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.

4-month Special CD
Lock in a great rate for a four month term with our 4-month Special CD. Click below for the current rate and more information. Click here to open your 4-month Special CD online.

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Companion CD
Our Companion CD rewards you when you have your checking account with us. Right now, we’re offering 4.00% APY¹ on a 3-month Companion CD and 3.70% APY¹ on a 6-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 2.25% 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 2.25% APY¹ for a 24-month term, and 2.50% 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 July 5, 2025. Penalty for early withdrawal. For more information call (888) 522-2265.