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Lake City Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/5/2025
3.80%
Our Rating
4.2  / 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 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
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 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 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 8th largest bank in the state of Indiana. It is also the 223rd largest bank in the nation. It was established in 1872 and as of March of 2025, it had grown to 647 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 Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #13102
Year Established1872
Employees647
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.31%
Return on Equity - YTD13%
Annual Interest Income$90.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$6.85B$6.56B
LoansQ1 2025vs Q1 2024$5.13B$4.93B
DepositsQ1 2025vs Q1 2024$5.96B$5.62B
Equity CapitalQ1 2025vs Q1 2024$687.6MM$640.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$92.4MM$73.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$57.4MM$14.8MM
Real Estate OwnedQ1 2025vs Q1 2024$284K$384K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/5/2025
3.80%
Our Rating
4.2  / 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 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
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 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 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

South Bend Area

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