Savings Accounts

A strong savings plan is the key to smart financial management.

Savings	Personal Savings	Rewards Savings	Rewards Plus Savings	Investor’s Money Market
Minimum Deposit to Open	$25 or $5 if younger than age 24	$25	$25	$5,000
Requirements to Open	none	Rewards Checking Account	Rewards Plus Checking Account	none
Monthly Maintenance Fee	$6	$9 ($7 with eStatement)	$9 ($7 with eStatement)	$10
How to Avoid the Monthly Maintenance Fee	Maintain a $300 average daily ledger balance or the primary account owner is younger than age 24	Maintain a $300 average daily ledger balance	Maintain a $300 average daily ledger balance	Maintain a $5,000 average collected balance
Earns Interest	0.01% APY¹ paid on collected balance	See Terms Meet the monthly qualifications and earn: 0.16% APY¹ on your entire Rewards Savings balance when you maintain a combined $2,500 balance in eligible² Lake City Bank accounts. 0.26% APY¹ on your Rewards Savings balance up to $50,000 and 0.16% APY¹ on balances greater than $50,000 when you maintain a combined $10,000 balance in 3 or more eligible² Lake City Bank accounts. 0.36% APY¹ on your Rewards Savings balance up to $50,000 and 0.16% APY¹ on balances greater than $50,000 when you maintain a combined $25,000 balance in 4 or more eligible² Lake City Bank accounts. If your Rewards Checking account does not meet the monthly qualifications and/or you do not maintain a combined $2,500 balance in eligible² accounts, you will earn 0.01% APY¹ on your entire Rewards Savings balance.	See Terms Meet the monthly qualifications and earn: 0.56% APY¹ on your entire Rewards Plus Savings balance. 0.66% APY¹ on your Rewards Plus Savings balance up to $50,000 and 0.56% APY¹ on balances greater than $50,000 when you have 3 or more eligible² Lake City Bank accounts. 0.86% APY¹ on your Rewards Plus Savings balance up to $50,000 and 0.56% APY¹ on balances greater than $50,000 when you maintain a combined $25,000 balance in 4 or more eligible² Lake City Bank accounts. If your Rewards Plus Checking account does not meet the monthly qualifications, you will earn 0.01% APY¹ on your entire Rewards Plus Savings balance.	See Terms 0.00% APY¹ paid on balances up to $4,999.99 1.35% APY¹ paid on balances from $5,000 to $9,999.99 1.35% APY¹ paid on balances from $10,000 to $19,999.99 1.35% APY¹ paid on balances from $20,000 to $49,999.99 1.40% APY¹ paid on balances from $50,000 to $99,999.99 1.45% APY¹ paid on balances of $100,000 or more
	Apply Now	Call our One Call Center at (888) 522‑2265 for more information, or drop in one of our branch locations for more information or to open an account.	Call our One Call Center at (888) 522‑2265 for more information, or drop in one of our branch locations for more information or to open an account.	Apply Now
View Disclosures^{1, 2, 3} ¹APY = Annual Percentage Yield. Quoted APY is accurate as of November 5, 2026. APY is subject to change without notice at any time including after account opening. Fees may reduce earnings. For more information call (888) 522‑2265. ²Eligible accounts include Lake City Bank consumer deposit accounts (except Personal Savings, Getting Ahead Savings, Restricted Access Savings, Rewards Savings, Rewards Plus Savings, Rewards Checking, Rewards Plus Checking), trust accounts, installment loans, mortgage loans and personal lines of credit (Cash Line, Executive, Home Equity, Visa® Credit Card). Visa Credit Card accounts may take up to 60 days after approval to become eligible.

Savings	Personal Savings	Rewards Savings	Rewards Plus Savings	Investor’s Money Market
Minimum Deposit to Open	$25 or $5 if younger than age 24	$25	$25	$5,000
Requirements to Open	none	Rewards Checking Account	Rewards Plus Checking Account	none
Monthly Maintenance Fee	$6	$9 ($7 with eStatement)	$9 ($7 with eStatement)	$10
How to Avoid the Monthly Maintenance Fee	Maintain a $300 average daily ledger balance or the primary account owner is younger than age 24	Maintain a $300 average daily ledger balance	Maintain a $300 average daily ledger balance	Maintain a $5,000 average collected balance
Earns Interest	0.01% APY¹ paid on collected balance	See Terms Meet the monthly qualifications and earn: 0.16% APY¹ on your entire Rewards Savings balance when you maintain a combined $2,500 balance in eligible² Lake City Bank accounts. 0.26% APY¹ on your Rewards Savings balance up to $50,000 and 0.16% APY¹ on balances greater than $50,000 when you maintain a combined $10,000 balance in 3 or more eligible² Lake City Bank accounts. 0.36% APY¹ on your Rewards Savings balance up to $50,000 and 0.16% APY¹ on balances greater than $50,000 when you maintain a combined $25,000 balance in 4 or more eligible² Lake City Bank accounts. If your Rewards Checking account does not meet the monthly qualifications and/or you do not maintain a combined $2,500 balance in eligible² accounts, you will earn 0.01% APY¹ on your entire Rewards Savings balance.	See Terms Meet the monthly qualifications and earn: 0.56% APY¹ on your entire Rewards Plus Savings balance. 0.66% APY¹ on your Rewards Plus Savings balance up to $50,000 and 0.56% APY¹ on balances greater than $50,000 when you have 3 or more eligible² Lake City Bank accounts. 0.86% APY¹ on your Rewards Plus Savings balance up to $50,000 and 0.56% APY¹ on balances greater than $50,000 when you maintain a combined $25,000 balance in 4 or more eligible² Lake City Bank accounts. If your Rewards Plus Checking account does not meet the monthly qualifications, you will earn 0.01% APY¹ on your entire Rewards Plus Savings balance.	See Terms 0.00% APY¹ paid on balances up to $4,999.99 1.35% APY¹ paid on balances from $5,000 to $9,999.99 1.35% APY¹ paid on balances from $10,000 to $19,999.99 1.35% APY¹ paid on balances from $20,000 to $49,999.99 1.40% APY¹ paid on balances from $50,000 to $99,999.99 1.45% APY¹ paid on balances of $100,000 or more
	Apply Now	Call our One Call Center at (888) 522‑2265 for more information, or drop in one of our branch locations for more information or to open an account.	Call our One Call Center at (888) 522‑2265 for more information, or drop in one of our branch locations for more information or to open an account.	Apply Now
View Disclosures^{1, 2, 3} ¹APY = Annual Percentage Yield. Quoted APY is accurate as of November 5, 2026. APY is subject to change without notice at any time including after account opening. Fees may reduce earnings. For more information call (888) 522‑2265. ²Eligible accounts include Lake City Bank consumer deposit accounts (except Personal Savings, Getting Ahead Savings, Restricted Access Savings, Rewards Savings, Rewards Plus Savings, Rewards Checking, Rewards Plus Checking), trust accounts, installment loans, mortgage loans and personal lines of credit (Cash Line, Executive, Home Equity, Visa® Credit Card). Visa Credit Card accounts may take up to 60 days after approval to become eligible.

Rewards Plus Savings

A great companion to our Rewards Plus Checking account. Earn up to 0.86% APY¹ when your Rewards Plus Checking account qualifies for rewards and you maintain a combined minimum balance in eligible² Lake City Bank accounts.

Rewards Savings

A great companion to our Rewards Checking account. Earn up to 0.36% APY¹ when your Rewards Checking account qualifies for rewards and you maintain a combined minimum balance in eligible² Lake City Bank accounts.

Personal Savings

Looking for a traditional savings plan? This basic account is perfect for those beginning to build their savings, and no checking account is required to open.

Apply for a Savings Account

Investor’s Money Market

Money Market accounts are a great way to earn interest on your account balances.

Apply for an Investor’s Money Market

¹APY = Annual Percentage Yield. Quoted APY is accurate as of November 6, 2026. APY is subject to change without notice at any time including after account opening. Fees may reduce earnings. For more information, review our savings account comparison chart or call (888) 522‑2265.
²Eligible accounts include Lake City Bank consumer deposit accounts (except Personal Savings, Getting Ahead Savings, Restricted Access Savings, Rewards Savings, Rewards Plus Savings, Rewards Checking, Rewards Plus Checking), trust accounts, installment loans, mortgage loans and personal lines of credit (Cash Line, Executive, Home Equity, Visa® Credit Card). Visa Credit Card accounts may take up to 60 days after approval to become eligible.

Savings Account Features

eStatements

Go paperless and access up to 18 months of account statements anytime through Lake City Bank Digital. It’s secure, convenient, and helps you avoid paper statement fees — just keep your email address up to date.

Enroll in Lake City Bank Digital

ATM Card

Get 24/7 access to your savings account at ATMs¹ worldwide. Withdraw funds, transfer between accounts, or check your balance anytime, anywhere.

Round Up to Save or Give

Make every purchase count with SpendSave. Automatically round up transactions and either boost your savings account or support a verified charity² of your choice.

Direct Deposit

Save automatically by having part (or all) of your paycheck deposited directly into your savings account. Talk to your employer to get started.

¹Fees may apply when accessing an ATM not owned by Lake City Bank. Debit and ATM cards can be used at any Cirrus/Star network.

²Fees apply for SpendSave for Impact donations. Refer to Lake City Bank’s SpendSave Product Disclosure for more information.

Savings Goal Calculator

Figure out how much you need to save monthly to reach a specific financial target.

Savings Goal Calculator

Goals Makes Saving Simple

Whether you’re building an emergency fund, planning a vacation, or saving for a new car, Goals* helps you get there faster with automatic transfers, real-time progress tracking, and coaching that keeps you on course.

Learn More

*Goals, as referred to herein, constitute the Goals Account described in Section E Investment Accounts of the Personal Account Terms and Conditions.

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Savings Accounts

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Savings Account Wizard

Rewards Plus Savings

Rewards Savings

Personal Savings

Investor’s Money Market

Savings Account Features

eStatements

ATM Card

Round Up to Save or Give

Direct Deposit

Savings Goal Calculator

Goals Makes Saving Simple

Meet Your Local Banker

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