Certificates of Deposit

Put your savings to work with a great CD rate.

Whatever your goal, we offer a CD that will help you reach it. Are you looking for a short-term deposit? Retirement income? A longer term commitment that pays a higher yield? Talk to us and we’ll set you up with the right solution.

Companion CD
Our Companion CD rewards you when you have your checking account with us. Right now, we’re offering 4.70% APY¹ on a 6-month Companion CD and 4.25% APY¹ on a 13-month Companion CD. The minimum deposit to open a Companion CD is $1,000. Other rates and terms are available.

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Regular CD
A $500 deposit is all that’s needed to open a CD. We offer terms from 3 months to 7 years. Click below for terms and rates.

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Freedom CD
Lake City Bank’s 12-month Freedom CD offers 1.00% APY¹ and the flexibility to make unlimited deposits and up to one withdrawal per month.

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Freedom Plus CD
Lake City Bank’s 18-month Freedom Plus CD offers 3.50% APY¹ and the flexibility to make unlimited deposits and up to one withdrawal per month.

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Rate-Riser CD
Our Rate-Riser CD offers 3.25% APY¹ for a 24-month term, and 3.50% APY¹ for a 48-month term. And you can withdraw and reinvest your deposit once without penalty as long as your new CD’s term equals the time remaining in your original Rate-Riser CD.

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Drop in one of our branch locations or call our One Call Center at (888) 522-2265 for more information about other available rates/terms or to open an account.

¹APY = Annual Percentage Yield. Quoted APY is accurate as of October 1, 2023. Penalty for early withdrawal. For more information call (888) 522-2265.