What are the current interest rates at Lake City Bank?

Current rates for Lake City Bank include: 12-Month CD: 1.00%, 18-Month CD: 2.50%, 24-Month CD: 2.15%, 48-Month CD: 2.40%

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Lake City Bank

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Lake City Bank Rates & Review September 2026

Q: How many branches does Lake City Bank operate?

Lake City Bank currently maintains approximately 58 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Lake City Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lake City Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

Lake City Bank's 13-month 13-Month Companion CD rates are at 3.75%, 3-month 3-Month Companion CD rates are at 3.40%, 4-Months 4-Month Special CD rates are at 2.75%, 18-Months 18-Month Freedom Plus CD rates are at 2.50%, 48-month 48-Month Rate-Riser CD rates are at 2.40%. MonitorBankRates evaluates the financial stability of Lake City Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.66%. Rates last updated and verified on 09/18/2026.

Lake City Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Lake City Bank? Share your experience about Lake City Bank by leaving a review below, or read customer reviews before you decide to use Lake City Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.66%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Lake City Bank

202 E Center St
Warsaw, IN 46580

https://www.lakecitybank.com

Lake City Bank CD Rates

Product	Rate	APY	Term
13 Month Companion CD	-	3.75%	13-month
Details Our Companion CD rewards you when you have your checking account with us. Learn more about the Companion CD here. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.66%
3 Month Companion CD	-	3.40%	3-month
Details Our Companion CD rewards you when you have your checking account with us. Learn more about the Companion CD here. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.66%
4-Month Special CD	-	2.75%	4 months
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.66%
18 Month Freedom Plus CD	-	2.50%	18 months
Min Deposit $10,000 Details Learn More Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.66%
48 Month Rate-Riser CD	-	2.40%	48-month
Details Our Rate-Riser CD offers 2.15% APY for a 24-month term, and 2.40% APY for a 48-month term. 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. Learn more about the Rate-Riser CD here. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.66%
24 Month Rate-Riser CD	-	2.15%	24-month
Details Our Rate-Riser CD offers 2.15% APY for a 24-month term, and 2.40% APY for a 48-month term. 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. Learn more about the Rate-Riser CD here. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.66%
12 Month Freedom CD	-	1.00%	12 months
Min Deposit $5,000 Details Learn More Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.66%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Lake City Bank’s Texas Ratio stayed near 3.11% in Q3 2023 to 2.66% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$7.2B	2.66%	5.0	A+
March 31, 2026	$7.1B	2.76%	5.0	A+
December 31, 2025	$7.0B	2.72%	5.0	A+
September 30, 2025	$6.9B	2.56%	5.0	A+
June 30, 2025	$7.0B	4.38%	5.0	A+
March 31, 2025	$6.8B	8.39%	5.0	A
December 31, 2024	$6.7B	8.40%	5.0	A
September 30, 2024	$6.6B	8.35%	5.0	A
June 30, 2024	$6.6B	8.85%	5.0	A
March 31, 2024	$6.6B	2.36%	5.0	A+
December 31, 2023	$6.5B	2.55%	5.0	A+
September 30, 2023	$6.4B	3.11%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Lake City Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Lake City Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Lake City Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Lake City Bank

Bank Holding Company LAKELAND FINANCIAL CORP

Address 202 E Center St, Warsaw, IN 46580 · Kosciusko

Website https://www.lakecitybank.com

FDIC Certificate # 13102

Established 18720101

FDIC Insurance Date 19340101

Domestic Offices 57

Total Branches 58

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.66%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6605%

Return on Equity (ROE) 15.5200%

Non-Performing Loans (NPL) 0.28%

Total Assets $7,237,115,000

Total Deposits $6,344,228,000

Equity Capital $751,332,000

Net Income $58,948,000

Headquarters Warsaw

Total Branches and Offices 58

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Lake City Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Lake City Bank

How many branches does Lake City Bank operate?

Lake City Bank currently maintains approximately 58 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Lake City Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lake City Bank provides members with tools to manage their accounts and build a solid financial history.

Does Lake City Bank offer online and mobile banking?

Most modern institutions like Lake City Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lakecitybank.com.