Certificates of Deposit

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.

Traditional CD
A $500 deposit is all that’s needed to open a CD. We offer terms from 3 months to 7 years.

Term	APY¹
3 - 5 months	0..05%
6 - 11 months	0.05%
12 - 23 months	0.05%
24 - 35 months	0.20%
36 - 59 months	0.20%
35 - 59 months	0.20%
60 months and over	0.35%

Companion CD
Our Companion CD rewards you when you have your checking account with us. Right now, we’re offering 2.0% APY¹ on a 13-month Companion CD. Other rates and terms are available.

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Freedom CD
Lake City Bank’s 12-month Freedom CD offers 0.50% 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 2.00% 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 2.75% APY¹ for a 24-month term, and 3.00% 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 November 29, 2022. Penalty for early withdrawal. For more information call (888) 522-2265.