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Lake City Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.lakecitybank.com
574-267-6144
202 East Center Street
Warsaw, IN 46580

Lake City Bank is headquartered in WARSAW and is the 7th largest bank in the state of Indiana. It is also the 229th largest bank in the nation. It was established in 1872 and as of December of 2024, it had grown to 643 employees at 56 locations. Lake City Bank's money market rates are 4X the national average, and it has an A health rating.

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #13102
Year Established1872
Employees643
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.48%
Return on Equity - YTD14.81%
Annual Interest Income$374.5MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$6.68B$6.52B
LoansQ4 2024vs Q4 2023$5.03B$4.85B
DepositsQ4 2024vs Q4 2023$5.91B$5.74B
Equity CapitalQ4 2024vs Q4 2023$675.3MM$631.8MM
Loan Loss AllowanceQ4 2024vs Q4 2023$86MM$72MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$56.4MM$15.7MM
Real Estate OwnedQ4 2024vs Q4 2023$284K$384K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Lake City Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.86%*$0$50kRewards Plus Savings - Qualifying (Plus 4)
OTHER TIERS: 0.56% → $50k+
0.66%*$0$50kRewards Plus Savings - Qualifying (Plus 3)
OTHER TIERS: 0.56% → $50k+
0.56%$0-Rewards Plus Savings - Qualifying (Base)
0.36%*$0$50kRewards Savings- Qualifying (Plus 4)
OTHER TIERS: 0.16% → $50k+
0.26%*$0$50kRewards Savings- Qualifying (Plus 3)
OTHER TIERS: 0.16% → $50k+
0.25%*$50k*-Health Savings Account Checking
OTHER TIERS: 0.05% → $1 - $1k | 0.10% → $1k - $5k | 0.15% → $5k - $15k | 0.20% → $15k - $50k
0.16%$0-Rewards Savings- Qualifying (Base)
0.01%$0-Savings Account
0.01%$0-Young Savers

Lake City Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%$5k-Investor's Money Market
0.65%*$500k*-Business Preferred Money Market - First 6 Months Intro Rate
OTHER TIERS: 0.51% → $1 - $50k | 0.55% → $50k - $500k
0.15%*$500k*-Preferred Money Market
OTHER TIERS: 0.01% → $1 - $50k | 0.05% → $50k - $500k
0.15%*$500k*-Business Preferred Money Market
OTHER TIERS: 0.01% → $1 - $50k | 0.05% → $50k - $500k

Lake City Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$0$10kRewards Plus Checking
OTHER TIERS: 0.80% → $10k+
0.90%*$50k*-Simple Earnings Checking
OTHER TIERS: 0.55% → $5k - $50k
0.26%*$0$15kRewards Checking
OTHER TIERS: 0.11% → $15k+
0.15%$5k-Estate Checking

Lake City Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-3 Month Companion CD
3.70%$1k-6 Month Companion CD
3.50%$1k-13 Month Companion CD
3.40%$1k-9 Month Companion CD
3.25%$1k-18 Month Companion CD
3.25%$1k-27 Month Companion CD
3.00%$1k-44 Month Companion CD
3.00%$1k-60 Month Companion CD
2.50%$1k-48 Month Rate-Riser CD
2.25%$1k-24 Month Rate-Riser CD
2.25%$10k$10m18 Month Freedom Plus CD
1.00%$5k-12 Month Freedom CD
0.50%$500-60 Month CD
0.35%$500-24 - 35 Month CD
0.35%$500-36 - 59 Month CD
0.20%$500-3 - 5 Month CD
0.20%$500-6 - 11 Month CD
0.20%$500-12 - 23 Month CD
Locations

Availability



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