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Personal Credit Cards

Choosing the right credit card is easier than ever.

Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you’ll enjoy important features like:

  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!

Drop in one of our branch locations or call our One Call Center at (888) 522‑2265 for more information or to apply for a credit card.

Learn More & Apply Now

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Credit Card Balance Transfer Calculator

See how much you could save by moving debt from a high-interest credit card to a new card with a zero intro rate.

Put Your Home’s Equity to Work

Lock in a portion of your Home Equity Line of Credit with a five-year Fixed Rate Lock at 5.74% APR* — perfect for renovations, debt consolidation, or a big purchase.
Learn More

NMLS #431669.
*All loans are subject to credit approval.
Member FDIC

Build Good Money Habits with Debit Cards for Kids and Teens!

Lake City Bank helps families teach kids financial responsibility with FamZoo* — manage allowances, track spending, and save for goals, all in one easy-to-use app.
Learn More

* Additional fees may apply.

A Little Extra Cash,
When You Need It

Lake City Bank Cash Line* helps you cover unexpected expenses, avoid overdrafts, and manage your money with a flexible line of credit.
Learn More

*All loans are subject to credit approval.

Meet Your Local Banker

We’d love to talk to you one-on-one.

Schedule an Appointment

Find a Branch Near You

Banking Tips & Insights

How to Build Credit and Improve Your Credit Score

Your credit score can impact more than just loan approvals — it may also influence decisions made by landlords, employers, and utility providers. Understanding how credit works and building strong habits can help you improve your score and expand your financial opportunities.

How to Build Good Credit from the Start

Building good credit is important for lots of reasons — employers and landlords, for example, often check credit. Buying a car or house requires good credit as well. But getting started can be tricky, since you usually need credit to get credit.

How to Understand and Improve Your Credit Score

Many people only think about credit scores when it’s time to borrow money. Banks and credit card companies look at your credit score to decide how much to lend you and at what interest rate. However, understanding and improving your credit score is something you should think about all year long.