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You are viewing rates from banks across Lake City
Below are the best six-month CD Rates from banks with branches in Lake City, Florida . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.
Lake City, FL - December 14, 2025
6 Month CD National Average : 0.41% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.20% |
$1,000 |
- |
Learn More
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Rate History: 4.65% → 4.35% → 4.30% → 4.15% → 4.20% |
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Savvysaver | Jun 26, 2020 Rate not current Read More |
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4.10% |
$25,000 |
- |
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Rate History: 4.61% → 4.51% → 4.41% → 4.25% → 4.10% |
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79Thru | Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More |
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4.00% |
$10,000 |
- |
Learn More
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Rate History: 4.10% → 4.00% → 3.90% → 3.65% → 4.00% |
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Neil | Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More |
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3.90% |
$2,500 |
- |
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Rate History: 4.25% → 4.30% → 3.95% → 4.15% → 3.90% |
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HAL1975 | Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More |
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3.45% 0.05% |
$10,001 $10,000 |
18.82 |
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Rate History: 4.00% → 3.00% → 2.75% → 3.51% → 3.45% |
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Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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0.25% |
$500 |
24.34 |
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Justice | Jul 22, 2021 This is a criminal lender and the worst bank. They merged with CenterState Bank.. They have made our lives miserable with a wrongful, fraudulent foreclosure. We will be starting a Website with all of the ... Read More |
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0.20% |
$1,000 |
- |
Learn More
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Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
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0.20% |
$10,000 |
18.86 |
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COLETTE B | May 30, 2022 I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read More |
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0.18% |
$100,000 |
19.61 |
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0.15% |
$10,000 |
19.29 |
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0.15% |
$10,000 |
7.12 |
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rand | Mar 25, 2019 CDs shown are not offered in Knoxville area Read More |
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0.12% |
$10,000 |
19.61 |
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0.08% |
$10,000 |
14.79 |
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Scrappy | Mar 10, 2021 HORRIBLE !!!! JUST RUN AS FAST AS YOU CAN AWAY FROM THIS BANK..Save yourself the hassle of dealing with them. Read More |
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| Branch | Street | City | State |
|---|---|---|---|
|
TD Bank, National Association South Ohio Avenue Branch |
535 Ohio Avenue South | Live Oak | FL |
|
SouthState Bank, National Association Alachua Branch |
14480 Nw 152nd Lane | Alachua | FL |
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Ameris Bank Live Oak Branch |
201 Ohio Avenue South | Live Oak | FL |
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First Federal Bank Dowling Park Branch |
11035 County Road 136 | Dowling Park | FL |
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Lafayette State Bank Live Oak Branch |
106 Grand Street | Live Oak | FL |
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Renasant Bank West Duval Branch |
463 West Duval Street | Lake City | FL |
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First Federal Bank Dowling Park Branch |
11035 County Road 136 | Dowling Park | FL |
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Capital City Bank Branford Branch |
814 Suwannee Avenue | Branford | FL |
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TD Bank, National Association South Ohio Avenue Branch |
535 Ohio Avenue South | Live Oak | FL |
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.
In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.
When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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