What are the current interest rates at Bank of Zachary?

Current rates for Bank of Zachary include: 12-Month CD: 3.55%, 18-Month CD: 3.60%, 24-Month CD: 3.65%, 36-Month CD: 3.70%, 60-Month CD: 3.70%, Savings: 0.30%, MMA: 0.25%

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Bank of Zachary

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Bank of Zachary Rates & Review September 2026

Q: How many branches does Bank of Zachary operate?

Bank of Zachary currently maintains approximately 5 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, Bank of Zachary 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, Bank of Zachary 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 14, 2026

Bank of Zachary's 3 Years 3 Year Business Certificates of Deposit rates are at 3.70%, 3 Years 3 Year Certificate rates are at 3.70%, 5 Years 5 Year Business Certificates of Deposit rates are at 3.70%, 5 Years 5 Year Certificate rates are at 3.70%, IRA Certificate 3 Years rates are at 3.70%. Bank of Zachary's savings rates are at 0.30%. Bank of Zachary's money market rates are at 0.25%. MonitorBankRates evaluates the financial stability of Bank of Zachary with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.54%. Rates last updated and verified on 09/14/2026.

Bank of Zachary 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 Bank of Zachary? Share your experience about Bank of Zachary by leaving a review below, or read customer reviews before you decide to use Bank of Zachary.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.54%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Bank of Zachary

4743 Main St
Zachary, LA 70791

https://www.bankofzachary.com

Bank of Zachary CD Rates

Product	Rate	APY	Term
3 Year Business Certificates of Deposit	3.65%	3.70%	3 Years
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
3 Year Certificate	3.65%	3.70%	3 Years
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
5 Year Business Certificates of Deposit	3.65%	3.70%	5 Years
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
5 Year Certificate	3.65%	3.70%	5 Years
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
IRA Certificate 3 Years	3.65%	3.70%	3 Years
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
IRA Certificate 5 Years	3.65%	3.70%	5 Years
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
2 Year Business Certificates of Deposit	3.60%	3.65%	2 Years
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
2 Year Certificate	3.60%	3.65%	2 Years
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
IRA Certificate 2 Years	3.60%	3.65%	2 Years
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
18 Month Business Certificates of Deposit	3.55%	3.60%	18 Months
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
18 Month Certificate	3.55%	3.60%	18 Months
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
IRA Certificate 18 month	3.55%	3.60%	18 Months
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
12 Month Business Certificates of Deposit	3.50%	3.55%	12 Months
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
12 Month Certificate	3.50%	3.55%	12 Months
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
IRA Certificate 1 Year	3.50%	3.55%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
6 Month Business Certificates of Deposit	3.22%	3.25%	6 Months
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
6 Month Certificate	3.22%	3.25%	6 Months
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
90 Day Business Certificates of Deposit	1.74%	1.75%	90 Days
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
90 Day Certificate	1.74%	1.75%	90 Days
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
90 Day Certificates of Deposit	1.74%	1.75%	90 Days
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%

Bank of Zachary Savings Rates

Product	Rate	APY
Business Savings	0.30%	0.30%
Min Deposit $100 Min Balance $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
Christmas Savings	0.30%	0.30%
Min Deposit $100 Min Balance $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
e-Z Savings	0.30%	0.30%
Min Deposit $25 Min Balance $25 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
Regular Savings	0.30%	0.30%
Min Deposit $100 Min Balance $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%

Bank of Zachary Money Market Rates

Product	Rate	APY
e-Z Money Market	2.25%	2.27%
Min Deposit $1,500 Min Balance $500,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
e-Z Money Market	1.75%	1.76%
Min Deposit $1,500 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 (Tier 4) Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
e-Z Money Market	1.50%	1.51%
Min Deposit $1,500 Min Balance $100,000 Details Balance: $100,000.00 - 249,999.99 (Tier 3) Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
e-Z Money Market	0.85%	0.85%
Min Deposit $1,500 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 (Tier 2) Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
e-Z Money Market	0.25%	0.25%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1,500.00 - 24,999.99 (Tier 1) Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%

Bank of Zachary Other Rates

Product	Rate	Points	APY/APR
Business e-Z BIZ Interest	0.25%	-	0.25%
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%
e-Z NOW	0.25%	-	0.25%
Min Deposit $1,500 Min Balance $1,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.54%

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

Bank of Zachary’s Texas Ratio fell from 5.43% in Q3 2023 to 0.54% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.6 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$416M	0.54%	5.0	A+
March 31, 2026	$422M	1.78%	5.0	A+
December 31, 2025	$411M	2.21%	5.0	A+
September 30, 2025	$417M	2.16%	5.0	A+
June 30, 2025	$398M	1.50%	5.0	A+
March 31, 2025	$405M	1.90%	5.0	A+
December 31, 2024	$394M	1.82%	5.0	A+
September 30, 2024	$407M	1.72%	5.0	A+
June 30, 2024	$400M	1.82%	5.0	A+
March 31, 2024	$410M	2.66%	5.0	A+
December 31, 2023	$402M	3.20%	5.0	A+
September 30, 2023	$400M	5.43%	4.6	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 Bank of Zachary 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 Bank of Zachary 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 Bank of Zachary's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bank of Zachary

Bank Holding Company ZACHARY BANCSHARES INC

Address 4743 Main St, Zachary, LA 70791 · East Baton Rouge

Website https://www.bankofzachary.com

FDIC Certificate # 306

Established 19040101

FDIC Insurance Date 19340101

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.54%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9826%

Return on Equity (ROE) 10.4800%

Non-Performing Loans (NPL) 0.05%

Total Assets $415,985,000

Total Deposits $359,683,000

Equity Capital $39,425,000

Net Income $2,046,000

Headquarters Zachary

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Bank of Zachary earned the Verified Healthy badge

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Frequently Asked Questions About Bank of Zachary

How many branches does Bank of Zachary operate?

Bank of Zachary currently maintains approximately 5 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, Bank of Zachary 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, Bank of Zachary provides members with tools to manage their accounts and build a solid financial history.

Does Bank of Zachary offer online and mobile banking?

Most modern institutions like Bank of Zachary 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.bankofzachary.com.