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Louisiana Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Louisiana CD rates include ADVANCIALADVANCIAL306 E Kaliste Saloom Rd, Lafayette, LA 70508A5.0 ★Texas Ratio: 10.42%Real return: +1.69%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates - 5 years at 4.49% APY, Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS1726 Oretha Castle Haley Blvd, New Orleans, LA 70113 1313A5.0 ★Texas Ratio: 6.51%Real return: +1.67%APY minus CPI (February 2026) offering 60 Month Jumbo Share Certificates (CDs) at 4.47% APY, Ouachita Valley Federal Credit UnionOuachita Valley Federal Credit Union1420 Natchitoches St, West Monroe, LA 71292A+5.0 ★Texas Ratio: 3.45%Real return: +1.53%APY minus CPI (February 2026) offering 24-Month IRA at 4.33% APY, Post Office Employees Credit UnionPost Office Employees Credit Union4624 W Napoleon Ave, Metairie, LA 70001 2492A+5.0 ★Texas Ratio: 3.33%Real return: +1.53%APY minus CPI (February 2026) offering Share Certificate 12-Month at 4.33% APY, and GEISMAR COMPLEXGEISMAR COMPLEX35294 Highway 30, Geismar, LA 70734A+5.0 ★Texas Ratio: 3.10%Real return: +1.53%APY minus CPI (February 2026) offering 1 YEAR CERTIFICATE at 4.33% APY. CD rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Louisiana side-by-side. Louisiana CD rates currently reach as high as 4.49% APY from ADVANCIAL at 306 E Kaliste Saloom Rd, Lafayette, LA 70508. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 21, 2026
Compare Best CD Rates in Louisiana
Louisiana 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
3 Month Share Certificates
$0
3.72%
▲ 1.66% above national avg
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.66% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificates - 3 Months
$0
3.72%
▲ 1.66% above national avg
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.66% above avg
Details
# of days: 91 - 181
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
123 N Oak St, Hammond, LA 70401
3 Month Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4626 Highway 1, Raceland, LA 70394
3 Month Certificate
$1,000
3.50%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.44% above avg
Details
APY accurate as of 4/23/2026 and may change at any time. Interest on CDs 12 months or less will be paid at maturity. Penalty for early withdrawal will apply and may reduce the earnings on your account. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
4000 General Degaulle Dr, New Orleans, LA 70114
3 Month Certificate Accounts
$1,000
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.44% above avg
Details
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
4000 General Degaulle Dr, New Orleans, LA 70114
Business Certificate Accounts - 3 Months
$1,000
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.44% above avg
Details
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
4000 General Degaulle Dr, New Orleans, LA 70114
IRA Accounts - 3 Months
$1,000
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.44% above avg
Details
CUSA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
100 Northpark Blvd, Covington, LA 70433
3 Month Share & IRA Certificates of Deposit
$1,000
3.50%
▲ 1.44% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.44% above avg
Details
First American Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2785 Highway 20, Vacherie, LA 70090
3 Month CD
$0
3.44%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.38% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
3 Month Certificate
$0
3.30%
▲ 1.24% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.24% above avg
Details
First Guaranty Bank
Institution Rating:
C3.7 ★Texas Ratio: 26.90%
6151 Hwy 10, Greensburg, LA 70441
90 Day Fixed Rate CD
$500
2.70%
▲ 0.64% above national avg
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.64% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Jumbo Certificates - 3 months
$0
2.55%
▲ 0.49% above national avg
▼
Rate2.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.49% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Junior Jumbo Certificates - 3 months
$0
2.45%
▲ 0.39% above national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.39% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Certificates - 3 months
$0
2.34%
▲ 0.28% above national avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.28% above avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2701 Louisville Ave, Monroe, LA 71201
3 Month CD
$500
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
1221 Elmwood Park Blvd, Harahan, LA 70123
90 Day Share Certificates
$0
1.90%
▼ 0.16% below national avg
▼
Rate1.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.16% below avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
90 Day Business Certificates of Deposit
$2,500
1.75%
▼ 0.31% below national avg
▼
Rate1.74%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.31% below avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
90 Day Certificate
$2,500
1.75%
▼ 0.31% below national avg
▼
Rate1.74%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.31% below avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
90 Day Certificates of Deposit
$2,500
1.75%
▼ 0.31% below national avg
▼
Rate1.74%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.31% below avg
Details
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
904 Carter St, Vidalia, LA 71373
3 Month CD
$2,500
1.51%
▼ 0.55% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.55% below avg
Details
Compound: At Maturity
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.45%
1500 N 19th St, Monroe, LA 71201 4942
3 Month Certificate
$0
1.30%
▼ 0.76% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.76% below avg
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Machen Dr, Springhill, LA 71075
3 Month Business Certificate of Deposit
$0
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA 70721
3-Month Certificate
$500
0.99%
▼ 1.07% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.07% below avg
Details
Pays Monthly
American Bank & Trust Company LA
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
307 E Landry St, Opelousas, LA 70570
90 Day CD
$1,000
0.65%
▼ 1.41% below national avg
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.41% below avg
Details
BOSSIER
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
1871 Pine Grove Rd, Keithville, LA 71047
3 Month Share Certificates
$0
0.25%
▼ 1.81% below national avg
▼
Rate0.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.81% below avg
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
665 Florida St, Baton Rouge, LA 70801
90 Day Personal Certificates of Deposit
$1,000
0.10%
▼ 1.96% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
Louisiana 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate 6-Month
$0
4.33%
▲ 1.56% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.56% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
618 Main St, Minden, LA 71055
6 Month 360 CDs
$0
4.30%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details
Fixed APY | No minimum balance
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
6 Month Jumbo IRA Certificates
$0
4.20%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.43% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
6 Month IRA Certificates
$0
4.10%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.33% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
6 Month Jumbo Certificates
$0
4.10%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.33% above avg
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate 6-Month
$0
4.07%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.30% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
6 Month Share Certificates
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
6 Month Share Certificate
$0
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
6 Month Share Certificates
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.05% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificates - 6 Months
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.05% above avg
Details
# of days: 182 - 272
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate 6-Month
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.05% above avg
Details
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
1420 Natchitoches St, West Monroe, LA 71292
6-Month CD
$1,000
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.04% above avg
Details
Carter Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.72%
7288 Highway 509, Mansfield, LA 71052
6 Month IRA Share Certificate
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
1221 Elmwood Park Blvd, Harahan, LA 70123
6 Month Jumbo Share Certificates
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
1091 Thomas Rd, West Monroe, LA 71292 5821
6 Month Business Share Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
1091 Thomas Rd, West Monroe, LA 71292 5821
6 Month Regular Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $1,000
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4626 Highway 1, Raceland, LA 70394
6 Month Certificate
$1,000
3.73%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.96% above avg
Details
APY accurate as of 4/23/2026 and may change at any time. Interest on CDs 12 months or less will be paid at maturity. Penalty for early withdrawal will apply and may reduce the earnings on your account. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
8400 Mansfield Rd, Shreveport, LA 71108
6 Month IRA Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.88% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
8400 Mansfield Rd, Shreveport, LA 71108
6 Month Share Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.88% above avg
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA 70721
6-Month Certificate
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Pays Monthly
Landmark Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.80%
12225 Saint Helena St, Clinton, LA 70722
6-Month CD
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
6 Month CD
$100,000
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
6 Month Bonus Certificates
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: 6 Month
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2235 S College Rd, Lafayette, LA 70508
6-Month Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2430 S Burnside Ave, Gonzales, LA 70737 4645
6 Month Share Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2000 LAKESHORE DR, NEW ORLEANS, LA 70148 3520
6 Month Certificate
$0
3.58%
▲ 0.81% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.81% above avg
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate 6-Month
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.79% above avg
Details
GEISMAR COMPLEX
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
35294 Highway 30, Geismar, LA 70734
6 MONTH CERTIFICATE
$500
3.56%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.79% above avg
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA 71103
CD - 6 Months
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
4056 Ryan St, Lake Charles, LA 70605
6 Month Share Certificates (CDs)
$500
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Machen Dr, Springhill, LA 71075
6 Month Business Certificate of Deposit
$0
3.53%
▲ 0.76% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.76% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
123 N Oak St, Hammond, LA 70401
6 Month CD
$500
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Annual Percentage Yield.
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
123 N Oak St, Hammond, LA 70401
6 Month Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
6 Month CD
$100,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Interest Frequency: Monthly
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
4000 General Degaulle Dr, New Orleans, LA 70114
6 Month Certificate Accounts
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
4000 General Degaulle Dr, New Orleans, LA 70114
Business Certificate Accounts - 6 Months
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
4000 General Degaulle Dr, New Orleans, LA 70114
IRA Accounts - 6 Months
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
1221 Elmwood Park Blvd, Harahan, LA 70123
6 Month Share Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
6 Month Share Certificate
$2,500
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
Dividends Credited: Monthly
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
6-Month Share Certificate
$2,500
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
Dividends Posted: Monthly. Certificates will automatically renew at rates effective at the time of renewal.
Calcasieu Parish Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
1011 Lake Shore Dr Ste 500, Lake Charles, LA 70601 9417
6 Month Share Certificates (CDs)
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
La Terre Federal Credit Union
Institution Rating:
B+4.3 ★Texas Ratio: 9.68%
701 Barrow St, Houma, LA 70360 4701
6 Month La Terre Lagniappe Share Certificate Accounts
$10,000
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
New deposits only; Compounded/Credited: Monthly
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
6 Month Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
Balance: 6 Month
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
6 Month Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
6303 Esler Field Rd, Pineville, LA 71360 3790
6 Month IRA Certificate (Traditional or Roth)
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
6303 Esler Field Rd, Pineville, LA 71360 3790
6 Month Share Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
21925 Highway 1, Plaquemine, LA 70764 5132
6-month Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
See all Certificate Rates
First American Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2785 Highway 20, Vacherie, LA 70090
6 Month CD
$0
3.43%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.66% above avg
Details
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
433 Metairie Rd, Metairie, LA 70005
6 Month Share Certificate
$50,000
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.63% above avg
Details
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
639 Loyola Ave Ste 220, New Orleans, LA 70113 3130
6 Month Regular Certificates
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.63% above avg
Details
Louisiana 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate 12-Month
$0
4.33%
▲ 1.38% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.38% above avg
Details
GEISMAR COMPLEX
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
35294 Highway 30, Geismar, LA 70734
1 YEAR CERTIFICATE
$500
4.33%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.38% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
618 Main St, Minden, LA 71055
12 Month 360 CDs
$0
4.30%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.35% above avg
Details
Fixed APY | No minimum balance
CUSA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
100 Northpark Blvd, Covington, LA 70433
NEW Deposit 12 Month Share & IRA Certificates of Deposit
$1,000
4.25%
▲ 1.30% above national avg
▼
Rate4.18%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.30% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
12 Month Certificate
$0
4.25%
▲ 1.30% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.30% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
12 Month Jumbo IRA Certificates
$0
4.20%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.25% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
12 Month IRA Certificates
$0
4.10%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.15% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
12 Month Jumbo Certificates
$0
4.10%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.15% above avg
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1726 Oretha Castle Haley Blvd, New Orleans, LA 70113 1313
12 Month Jumbo Share Certificates (CDs)
$1,000
4.07%
▲ 1.12% above national avg
▼
Rate3.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.12% above avg
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate 12-Month
$0
4.07%
▲ 1.12% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.12% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
1 Year IRA Certificate
$0
4.05%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.10% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
1 Year Share Certificate
$0
4.05%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.10% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
12 Month Starter Certificate
$0
4.05%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.10% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
618 Main St, Minden, LA 71055
1-year online CDs
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
618 Main St, Minden, LA 71055
12 Month CD
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2201 Veterans Memorial Blvd, Metairie, LA 70002
12 Month Certificate
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
12 Month Share Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Carter Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.72%
7288 Highway 509, Mansfield, LA 71052
12 Month IRA Share Certificate
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
1221 Elmwood Park Blvd, Harahan, LA 70123
12 Month Jumbo Share Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
12 Month Bonus Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: 12 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
12 Month Bonus IRA Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: 12 Month
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA 70663
1 Year Certificate
$0
3.91%
▲ 0.96% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.96% above avg
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA 70663
Silver Share Certificates - 1 Year
$0
3.91%
▲ 0.96% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.96% above avg
Details
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2430 S Burnside Ave, Gonzales, LA 70737 4645
12 Month Share Certificate
$0
3.86%
▲ 0.91% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.91% above avg
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
4056 Ryan St, Lake Charles, LA 70605
12 Month Share Certificates (CDs)
$500
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA 70721
12-Month CD (High Yield)
$100
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Pays Monthly
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
12 Month Share Certificates
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.87% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificates - 12 Months (1 Year)
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.87% above avg
Details
# of days: 365 - 546
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate 12-Month
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.87% above avg
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA 71103
CD - 12 Months
$0
3.81%
▲ 0.86% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.86% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
12 Month CD
$200,000
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.85% above avg
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2235 S College Rd, Lafayette, LA 70508
12-Month Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1100 Roma Ave, Hammond, LA 70403 5464
1 Year Share Certificate
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Dividends compounded quarterly. Dividends are credited quarterly.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
12 Month Certificates
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.84% above avg
Details
Balance: 12 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
YOUth Boost 12-Month
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.84% above avg
Details
Balance: YOUth Boost 12-Month
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA 70663
1 Year Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA 70663
IRA Certificate Accounts - 1 Year
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.41%
1512 Gause Blvd, Slidell, LA 70458
1-Year Certificate Special
$2,000
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
Special offer
Maple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
105 Toledo Dr, Lafayette, LA 70506
12 Month Share Certificate Jumbo
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
1221 Elmwood Park Blvd, Harahan, LA 70123
12 Month Share Certificates
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
La Terre Federal Credit Union
Institution Rating:
B+4.3 ★Texas Ratio: 9.68%
701 Barrow St, Houma, LA 70360 4701
12 Month La Terre Lagniappe Share Certificate Accounts
$10,000
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
New deposits only; Compounded/Credited: Monthly
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
701 Poydras St Ste P140, New Orleans, LA 70139
1 Year IRA & Share Certificate Accounts
$500
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Compounded / Credited: Monthly/Monthly
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
701 Poydras St Ste P140, New Orleans, LA 70139
IRA & Share Certificate Accounts - 1 Year
$500
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
BRECO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.95%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
12 Month Term Share Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
1091 Thomas Rd, West Monroe, LA 71292 5821
12 Month Business Share Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
1091 Thomas Rd, West Monroe, LA 71292 5821
12 Month Regular Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Balance: $1,000
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
12 Month CD
$100,000
3.70%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.75% above avg
Details
Interest Frequency: Monthly
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
639 Loyola Ave Ste 220, New Orleans, LA 70113 3130
12 Month Regular Certificates
$0
3.70%
▲ 0.75% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.75% above avg
Details
First American Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2785 Highway 20, Vacherie, LA 70090
12 Month CD
$0
3.65%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.70% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
12 Month CD
$200,000
3.65%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.70% above avg
Details
Interest Frequency: Monthly
Louisiana 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
618 Main St, Minden, LA 71055
18 Month 360 CDs
$0
4.30%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.48% above avg
Details
Fixed APY | No minimum balance
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
18 Month CD
$100,000
4.15%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.33% above avg
Details
Interest Frequency: Monthly
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
18 Month CD
$100,000
4.10%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
Interest Frequency: Semi
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
1420 Natchitoches St, West Monroe, LA 71292
18-Month IRA
$2,000
4.07%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.25% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
18 Month CD
$100,000
4.05%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.23% above avg
Details
Interest Frequency: Semi
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2201 Veterans Memorial Blvd, Metairie, LA 70002
18 Month Certificate
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
639 Loyola Ave Ste 220, New Orleans, LA 70113 3130
18 Month Regular Certificates
$0
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.08% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
18 Month Jumbo IRA Certificates
$0
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.03% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
18 Month Certificate
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.03% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
904 Carter St, Vidalia, LA 71373
Traditional - Variable Rate (18 month)
$100
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
18 Month CD
$100,000
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Interest Frequency: Monthly
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2235 S College Rd, Lafayette, LA 70508
18-Month Certificate
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.98% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
18 Month IRA Certificates
$0
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.93% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
18 Month Jumbo Certificates
$0
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.93% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
1221 Elmwood Park Blvd, Harahan, LA 70123
18 Month IRA Share Certificates
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.93% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
18 Month Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.93% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
18 Month CD
$100,000
3.70%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.88% above avg
Details
Interest Frequency: Monthly
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
8400 Mansfield Rd, Shreveport, LA 71108
18 Month IRA Certificate
$0
3.70%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.88% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
8400 Mansfield Rd, Shreveport, LA 71108
18 Month Share Certificate
$0
3.70%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.88% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
18 Month CD
$200,000
3.65%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Interest Frequency: Monthly
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
18 Month Share Certificates
$0
3.65%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.83% above avg
Details
BRECO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.95%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
18 Month Term Share Certificate
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.83% above avg
Details
Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
18 Month Share Certificates
$0
3.64%
▲ 0.82% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.82% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificates - 18 Months
$0
3.64%
▲ 0.82% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.82% above avg
Details
# of days: 547 - 729
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
433 Metairie Rd, Metairie, LA 70005
18 Month Share Certificate
$50,000
3.61%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.79% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
618 Main St, Minden, LA 71055
18 Month CD
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
18 Month Business Certificates of Deposit
$2,500
3.60%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.78% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
18 Month Certificate
$2,500
3.60%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.78% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
IRA Certificate 18 Months
$500
3.60%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.78% above avg
Details
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
433 Metairie Rd, Metairie, LA 70005
18 Month Share Certificate
$10,000
3.51%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.69% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
18 Month CD
$100,000
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
Interest Frequency: Monthly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
18 Month Certificate
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.68% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
18 Month IRA Share Certificate
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.68% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
18 Month Jumbo Certificate Accounts
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.68% above avg
Details
Term: 18 months-Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
18 months-Dividends credited quarterly
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.68% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2739 W Church St, Hammond, LA 70401
18 Month Certificate of Deposit
$500
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2739 W Church St, Hammond, LA 70401
18 Month Certificates of Deposit - Special Offers
$500
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit - Special Offers 18 months
$500
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
21925 Highway 1, Plaquemine, LA 70764 5132
18-month Certificates
$0
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
See all Certificate Rates
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4626 Highway 1, Raceland, LA 70394
18 Month Certificate
$1,000
3.41%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.59% above avg
Details
APY accurate as of 4/23/2026 and may change at any time. Interest on CDs longer than 12 months will be paid annually. Penalty for early withdrawal will apply and may reduce the earnings on your account. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
433 Metairie Rd, Metairie, LA 70005
18 Month Share Certificate
$500
3.40%
▲ 0.58% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.58% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2739 W Church St, Hammond, LA 70401
18 Month Certificates of Deposit - Pulse Certificate
$100
3.40%
▲ 0.58% above national avg
▼
Rate3.35%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.58% above avg
Details
River Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA 70071
18 Month Share Certificate
$0
3.35%
▲ 0.53% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.53% above avg
Details
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
1420 Natchitoches St, West Monroe, LA 71292
18-Month CD
$1,000
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.48% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
904 Carter St, Vidalia, LA 71373
Roth IRA - Fixed Rate (18 mo)
$1,000
3.29%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.47% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
904 Carter St, Vidalia, LA 71373
Roth IRA - Variable Rate (18 mo)
$100
3.29%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.47% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Jumbo Certificates - 18 months
$0
3.28%
▲ 0.46% above national avg
▼
Rate3.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.46% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
1221 Elmwood Park Blvd, Harahan, LA 70123
18 Month Share Certificates
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.43% above avg
Details
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
1091 Thomas Rd, West Monroe, LA 71292 5821
18 Month Business Share Certificate
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.43% above avg
Details
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
1091 Thomas Rd, West Monroe, LA 71292 5821
18 Month Regular Certificate
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.43% above avg
Details
Balance: $1,000
Louisiana 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
1420 Natchitoches St, West Monroe, LA 71292
24-Month IRA
$2,000
4.33%
▲ 1.49% above national avg
▼
Rate4.25%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.49% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
618 Main St, Minden, LA 71055
24 Month 360 CDs
$0
4.30%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.46% above avg
Details
Fixed APY | No minimum balance
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1726 Oretha Castle Haley Blvd, New Orleans, LA 70113 1313
24 Month Jumbo Share Certificates (CDs)
$1,000
4.28%
▲ 1.44% above national avg
▼
Rate4.19%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.44% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2201 Veterans Memorial Blvd, Metairie, LA 70002
24-month CD
$1,000
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.41% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
24 Month CD
$100,000
4.20%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.36% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
24 Month CD
$100,000
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details
Interest Frequency: Semi
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
24 Month CD
$100,000
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.26% above avg
Details
Interest Frequency: Semi
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate 24-Month
$0
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.23% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2201 Veterans Memorial Blvd, Metairie, LA 70002
24 Month Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
24 Month Bonus Certificates
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.12% above avg
Details
Balance: 24 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
24 Month Bonus IRA Certificates
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.12% above avg
Details
Balance: 24 Month
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
24 Month CD
$100,000
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Interest Frequency: Monthly
Carter Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.72%
7288 Highway 509, Mansfield, LA 71052
24 Month IRA Share Certificate
$1,000
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.06% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
24 Month Certificate
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
24 Month Jumbo IRA Certificates
$0
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.01% above avg
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate 24-Month
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.98% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
24 Month Certificates
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Balance: 24 Month
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
24 Month Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
24 Month CD
$100,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Interest Frequency: Monthly
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
24 Month IRA Certificates
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.91% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
24 Month Jumbo Certificates
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.91% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
2 Year IRA Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
2 Year Share Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Maple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
105 Toledo Dr, Lafayette, LA 70506
24 Month Share Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.86% above avg
Details
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2430 S Burnside Ave, Gonzales, LA 70737 4645
24 Month Share Certificate
$0
3.67%
▲ 0.83% above national avg
▼
Rate3.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.83% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
2 Year Business Certificates of Deposit
$2,500
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.81% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
2 Year Certificate
$2,500
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.81% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
IRA Certificate 2 Years
$500
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.81% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
24 Month Share Certificates
$0
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.81% above avg
Details
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
639 Loyola Ave Ste 220, New Orleans, LA 70113 3130
24 Month Regular Certificates
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
24 Month Share Certificates
$0
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.77% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificates - 24 Months (2 Years)
$0
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.77% above avg
Details
# of days: 730 - 911
Maple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
105 Toledo Dr, Lafayette, LA 70506
24 Month Share Certificate Jumbo
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.76% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Jumbo Certificates - 2 years
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
River Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA 70071
2 Year Share Certificate
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.72% above avg
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate 24-Month
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.72% above avg
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Traditional & Roth IRA Certificate Account
$20,000
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
APY with La Cap Checking: 3.88%
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1100 Roma Ave, Hammond, LA 70403 5464
2 Year Share Certificate
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Dividends compounded quarterly. Dividends are credited quarterly.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2739 W Church St, Hammond, LA 70401
24 Month Certificate of Deposit
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2739 W Church St, Hammond, LA 70401
24 Month Certificates of Deposit - Special Offers
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit - Special Offers 24 months
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
618 Main St, Minden, LA 71055
24 Month CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
24 Month Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
24 Month IRA Share Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
Dividends credited quarterly
Maple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
105 Toledo Dr, Lafayette, LA 70506
24 Month Share Certificate Mini Jumbo
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
1221 Elmwood Park Blvd, Harahan, LA 70123
24 Month IRA Share Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
701 Poydras St Ste P140, New Orleans, LA 70139
2 Year Jumbo IRA & Share Certificate Accounts
$200,000
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Compounded / Credited: Monthly/Monthly
BRECO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.95%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
24 Month Term Share Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA 70721
24-Month CD
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Pays at Maturity
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Junior Jumbo Certificates - 2 years
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.65% above avg
Details
Louisiana 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1726 Oretha Castle Haley Blvd, New Orleans, LA 70113 1313
36 Month Jumbo Share Certificates (CDs)
$1,000
4.35%
▲ 1.59% above national avg
▼
Rate4.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.59% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
618 Main St, Minden, LA 71055
36 Month 360 CDs
$0
4.30%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.54% above avg
Details
Fixed APY | No minimum balance
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
36 Month CD
$100,000
4.25%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.49% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
36 Month CD
$100,000
4.20%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.44% above avg
Details
Interest Frequency: Monthly
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
36 Month CD
$100,000
4.15%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.39% above avg
Details
Interest Frequency: Semi
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
36 Month CD
$100,000
4.10%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.34% above avg
Details
Interest Frequency: Semi
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
36 Month CD
$100,000
4.05%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.29% above avg
Details
Interest Frequency: Monthly
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2201 Veterans Memorial Blvd, Metairie, LA 70002
36 Month Certificate
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
36 Month CD
$100,000
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.24% above avg
Details
Interest Frequency: Monthly
Carter Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.72%
7288 Highway 509, Mansfield, LA 71052
36 Month IRA Share Certificate
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
36 Month Bonus Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 36 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
36 Month Bonus IRA Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 36 Month
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Jumbo Certificates - 3 years
$0
3.91%
▲ 1.15% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.15% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
36 Month Jumbo IRA Certificates
$0
3.90%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.14% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
36 Month Certificate
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
36 Month Certificates
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.05% above avg
Details
Balance: 36 Month
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
36 Month CD
$100,000
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% above avg
Details
Interest Frequency: Monthly
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
36 Month IRA Certificates
$0
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.04% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
36 Month Jumbo Certificates
$0
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.04% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
36 Month Certificate
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Junior Jumbo Certificates - 3 years
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.04% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
3 Year Business Certificates of Deposit
$2,500
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.94% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
3 Year Certificate
$2,500
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.94% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
IRA Certificate 3 Years
$500
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.94% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
36 Month Share Certificates
$0
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.94% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
3 Year IRA Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
3 Year Share Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Certificates - 3 years
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.94% above avg
Details
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2430 S Burnside Ave, Gonzales, LA 70737 4645
36 Month Share Certificate
$0
3.67%
▲ 0.91% above national avg
▼
Rate3.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.91% above avg
Details
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
639 Loyola Ave Ste 220, New Orleans, LA 70113 3130
36 Month Regular Certificates
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
36 Month Share Certificates
$0
3.57%
▲ 0.81% above national avg
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.81% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificates - 36 Months (3 Years)
$0
3.57%
▲ 0.81% above national avg
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.81% above avg
Details
# of days: 1,095 - 1,459
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
3 Year Super Saver Share Certificate
$100,000
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
APY with La Cap Checking: 3.95%; Dividends Credited: Monthly
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2739 W Church St, Hammond, LA 70401
36 Month Certificate of Deposit
$500
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2739 W Church St, Hammond, LA 70401
36 Month Certificates of Deposit - Special Offers
$500
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit - Special Offers 36 months
$500
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
618 Main St, Minden, LA 71055
36 Month CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
3 Year Mega Saver Share Certificate with One-time Bump
$100,000
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
APY with La Cap Checking: 3.90%; Dividends Credited: Monthly
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
3 Year Thrifty Saver Share Certificate
$500
3.45%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.69% above avg
Details
APY with La Cap Checking: 3.85%; Dividends Credited: Monthly
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
8400 Mansfield Rd, Shreveport, LA 71108
36 Month IRA Certificate
$0
3.44%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.68% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
8400 Mansfield Rd, Shreveport, LA 71108
36 Month Share Certificate
$0
3.44%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.68% above avg
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA 70721
36-Month CD
$1,000
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Pays Monthly
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
6303 Esler Field Rd, Pineville, LA 71360 3790
3 Year IRA Certificate (Traditional or Roth)
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.59% above avg
Details
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
6303 Esler Field Rd, Pineville, LA 71360 3790
3 Year Share Certificate
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.59% above avg
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
36 Month Certificate
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.54% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
36 Month IRA Share Certificate
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.54% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
36 Month Jumbo Certificate Accounts
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.54% above avg
Details
Term: 36 months-Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
36 months-Dividends credited quarterly
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.54% above avg
Details
Maple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
105 Toledo Dr, Lafayette, LA 70506
36 Month Share Certificate
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.53% above avg
Details
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4626 Highway 1, Raceland, LA 70394
36 Month Certificate
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.49% above avg
Details
APY accurate as of 4/23/2026 and may change at any time. Interest on CDs longer than 12 months will be paid annually. Penalty for early withdrawal will apply and may reduce the earnings on your account. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Louisiana 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
618 Main St, Minden, LA 71055
48 Month 360 CDs
$0
4.30%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details
Fixed APY | No minimum balance
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
48 Month CD
$100,000
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.48% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
48 Month CD
$100,000
4.20%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details
Interest Frequency: Monthly
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
48 Month CD
$100,000
4.15%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.38% above avg
Details
Interest Frequency: Semi
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.12%
▲ 1.35% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.35% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
48 Month CD
$100,000
4.05%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.28% above avg
Details
Interest Frequency: Semi
Carter Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.72%
7288 Highway 509, Mansfield, LA 71052
48 Month IRA Share Certificate
$1,000
4.05%
▲ 1.28% above national avg
▼
Rate3.97%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.28% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.01%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.24% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2201 Veterans Memorial Blvd, Metairie, LA 70002
48 Month Certificate
$1,000
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
48 Month Share Certificates
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificates - 48 Months (4 Years)
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
# of days: 1,460 - 1,824
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
48 Month Bonus Certificates
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: 48 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
48 Month Bonus IRA Certificates
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: 48 Month
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Certificates - 4 years
$0
3.91%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.14% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
48 Month Jumbo IRA Certificates
$0
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.13% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
48 Month Certificate
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
48 Month Certificates
$0
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.04% above avg
Details
Balance: 48 Month
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
48 Month CD
$200,000
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Interest Frequency: Monthly
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
48 Month IRA Certificates
$0
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.03% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
48 Month Jumbo Certificates
$0
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.03% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
48 Month Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.03% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
48 Month Share Certificates
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.93% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
4 Year Share Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2430 S Burnside Ave, Gonzales, LA 70737 4645
48 Month Share Certificate
$0
3.67%
▲ 0.90% above national avg
▼
Rate3.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.90% above avg
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
4 Year Super Saver Share Certificate
$100,000
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
APY with La Cap Checking: 4.00%; Dividends Credited: Monthly
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
4 Year Mega Saver Share Certificate with One-time Bump
$100,000
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details
APY with La Cap Checking: 3.95%; Dividends Credited: Monthly
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
618 Main St, Minden, LA 71055
48 Month CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
4 Year Thrifty Saver Share Certificate
$500
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
APY with La Cap Checking: 3.90%; Dividends Credited: Monthly
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2739 W Church St, Hammond, LA 70401
48 Month Certificate of Deposit
$500
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2739 W Church St, Hammond, LA 70401
48 Month Certificates of Deposit - Special Offers
$500
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit - Special Offers 48 months
$500
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
8400 Mansfield Rd, Shreveport, LA 71108
48 Month IRA Certificate
$0
3.44%
▲ 0.67% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.67% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
8400 Mansfield Rd, Shreveport, LA 71108
48 Month Share Certificate
$0
3.44%
▲ 0.67% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.67% above avg
Details
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
6303 Esler Field Rd, Pineville, LA 71360 3790
4 Year IRA Certificate (Traditional or Roth)
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
6303 Esler Field Rd, Pineville, LA 71360 3790
4 Year Share Certificate
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
48 Month Certificate
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.58% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
48 Month IRA Share Certificate
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.58% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
48 months-Dividends credited quarterly
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.58% above avg
Details
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
1420 Natchitoches St, West Monroe, LA 71292
48-Month CD
$1,000
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.48% above avg
Details
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
1091 Thomas Rd, West Monroe, LA 71292 5821
48 Month Business Share Certificate
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
1091 Thomas Rd, West Monroe, LA 71292 5821
48 Month Regular Certificate
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
Balance: $1,000
BRECO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.95%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
48 Month Term Share Certificate
$0
3.10%
▲ 0.33% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.33% above avg
Details
Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA 70721
48-Month CD
$10,000
3.05%
▲ 0.28% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.28% above avg
Details
New Money Only, Pays Monthly
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2235 S College Rd, Lafayette, LA 70508
48-Month Certificate
$0
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.23% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
123 N Oak St, Hammond, LA 70401
48 Month Certificate
$0
2.90%
▲ 0.13% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.13% above avg
Details
First Guaranty Bank
Institution Rating:
C3.7 ★Texas Ratio: 26.90%
6151 Hwy 10, Greensburg, LA 70441
4 Year Fixed Rate CD
$500
2.85%
▲ 0.08% above national avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details
First Guaranty Bank
Institution Rating:
C3.7 ★Texas Ratio: 26.90%
6151 Hwy 10, Greensburg, LA 70441
4 Year IRA Certificate
$500
2.85%
▲ 0.08% above national avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
904 Carter St, Vidalia, LA 71373
48 Month CD
$1,000
2.78%
▲ 0.01% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.01% above avg
Details
Compound: Quarterly
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.45%
1500 N 19th St, Monroe, LA 71201 4942
4 Year Certificate
$0
2.50%
▼ 0.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.27% below avg
Details
BOSSIER
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
1871 Pine Grove Rd, Keithville, LA 71047
48 Month Share Certificates
$0
2.43%
▼ 0.34% below national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.34% below avg
Details
Louisiana 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.49%
▲ 1.65% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.65% above avg
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1726 Oretha Castle Haley Blvd, New Orleans, LA 70113 1313
60 Month Jumbo Share Certificates (CDs)
$1,000
4.47%
▲ 1.63% above national avg
▼
Rate4.37%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.63% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.39%
▲ 1.55% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.55% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
618 Main St, Minden, LA 71055
60 Month 360 CDs
$0
4.30%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.46% above avg
Details
Fixed APY | No minimum balance
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
60 Month CD
$100,000
4.30%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.46% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Certificates - 5 years
$0
4.28%
▲ 1.44% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.44% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
60 Month CD
$100,000
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.41% above avg
Details
Interest Frequency: Semi
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
60 Month CD
$100,000
4.20%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.36% above avg
Details
Interest Frequency: Monthly
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
60 Month CD
$100,000
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details
Interest Frequency: Semi
Carter Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.72%
7288 Highway 509, Mansfield, LA 71052
60 Month IRA Share Certificate
$1,000
4.10%
▲ 1.26% above national avg
▼
Rate4.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.26% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
60 Month CD
$100,000
4.05%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.21% above avg
Details
Interest Frequency: Semi
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2201 Veterans Memorial Blvd, Metairie, LA 70002
60 Month Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
60 Month Bonus Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: 60 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
60 Month Bonus IRA Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: 60 Month
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
60 Month Jumbo IRA Certificates
$0
3.95%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.11% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
60 Month CD
$200,000
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Interest Frequency: Monthly
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
60 Month Certificate
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
60 Month IRA Certificates
$0
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.01% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
60 Month Jumbo Certificates
$0
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.01% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
60 Month Certificates
$0
3.84%
▲ 1.00% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.00% above avg
Details
Balance: 60 Month
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
60 Month CD
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Interest Frequency: Monthly
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
60 Month Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
60 Month Share Certificates
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.91% above avg
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA 70721
60-Month CD
$10,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
New Money Only, Pays Monthly
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
5 Year Business Certificates of Deposit
$2,500
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
5 Year Certificate
$2,500
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
IRA Certificate 5 Years
$500
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
5 Year Super Saver Share Certificate
$100,000
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details
APY with La Cap Checking: 3.97%; Dividends Credited: Monthly
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
639 Loyola Ave Ste 220, New Orleans, LA 70113 3130
60 Month Regular Certificates
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
60 Month Share Certificates
$0
3.64%
▲ 0.80% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.80% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificates - 60 Months (5 Years)
$0
3.64%
▲ 0.80% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.80% above avg
Details
# of days: 1,825+
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
618 Main St, Minden, LA 71055
5-year online CDs
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
618 Main St, Minden, LA 71055
60 Month CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
5 Year Thrifty Saver Share Certificate
$500
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
APY with La Cap Checking: 3.88%; Dividends Credited: Monthly
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2739 W Church St, Hammond, LA 70401
60 Month Certificate of Deposit
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2739 W Church St, Hammond, LA 70401
60 Month Certificates of Deposit - Special Offers
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit - Special Offers 60 months
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
60 Month Certificate
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.61% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
60 Month IRA Share Certificate
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.61% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
60 months-Dividends credited quarterly
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.61% above avg
Details
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
6303 Esler Field Rd, Pineville, LA 71360 3790
5 Year IRA Certificate (Traditional or Roth)
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.61% above avg
Details
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
6303 Esler Field Rd, Pineville, LA 71360 3790
5 Year Share Certificate
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.61% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
8400 Mansfield Rd, Shreveport, LA 71108
60 Month IRA Certificate
$0
3.44%
▲ 0.60% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.60% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
8400 Mansfield Rd, Shreveport, LA 71108
60 Month Share Certificate
$0
3.44%
▲ 0.60% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.60% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
904 Carter St, Vidalia, LA 71373
Roth IRA - Variable Rate (60 mo)
$100
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.45% above avg
Details
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4626 Highway 1, Raceland, LA 70394
60 Month Certificate
$1,000
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.41% above avg
Details
APY accurate as of 4/23/2026 and may change at any time. Interest on CDs longer than 12 months will be paid annually. Penalty for early withdrawal will apply and may reduce the earnings on your account. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
1221 Elmwood Park Blvd, Harahan, LA 70123
60 Month IRA Share Certificates
$0
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.41% above avg
Details
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
1091 Thomas Rd, West Monroe, LA 71292 5821
60 Month Business Share Certificate
$0
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
1091 Thomas Rd, West Monroe, LA 71292 5821
60 Month Regular Certificate
$0
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details
Balance: $1,000
BRECO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.95%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
60 Month Term Share Certificate
$0
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.26% above avg
Details
Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Louisiana CD Rate Trends
Compare local Louisiana CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD LA Avg
2.952%
▲ 0.030 vs 7 days ago
Louisiana 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD LA Avg
2.767%
▲ 0.021 vs 7 days ago
Louisiana 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
LA CD Rate Forecast, Next 12 Months
Where are Louisiana CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
LA 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
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What Your Savings Earn at LA CD Rates Today
Annual interest earnings at today’s Louisiana average APYs. State average used where available; national average as fallback.
| CD Term | LA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026. | |||||
Sample CD Ladder for Louisiana Savers
$25,000 split equally across 5 terms using today’s Louisiana average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | LA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/yr | |
Ladder example uses equal $5,000 rungs and Louisiana average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
635
CD Rates
Tracked in Louisiana
Tracked in Louisiana
23 Banks
43 Credit Unions
About Our Louisiana CD Rate Database
MonitorBankRates tracks 635 CD rates from 23 banks and 43 credit unions with locations in Louisiana, plus national online institutions available to Louisiana residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: ADVANCIAL offers a CD at 4.49% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Louisiana.
How to Find the Best CD Rates in Louisiana
What to compare when shopping for a CD in Louisiana
To find the best APYs in Louisiana, start with credit unions and online-only banks: Louisiana has 43 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Louisiana
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Louisiana: 66 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Louisiana savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Louisiana money market rates
Louisiana Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
16.7%
National avg: 17.3%
Median Individual Earnings
$40,534
National avg: $47,340
Poverty Rate
18.9%
National avg: 11.1%
Unemployment Rate
6.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$120/yr
At LA 12-mo avg 2.952% APY
16.7% of residents are 65 or older, below the national average of 17.3%. At today’s LA 12-month CD average of 2.952%, saving 10% of the local median salary ($4,053/year) and putting it in a CD would earn an additional $120 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Louisiana
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Louisiana
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Louisiana typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Louisiana as everywhere in the U.S.
Choosing a CD Term in Louisiana
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Louisiana savers easier access to their funds. For example, Post Office Employees Credit Union is offering its Share Certificate 6-Month at 4.33% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ADVANCIAL is offering its Regular, IRA & Business Jumbo Certificates - 5 years at 4.49% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Louisiana Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Louisiana saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Louisiana
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Louisiana CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Louisiana
Most CDs carry a fixed rate that is locked for the entire term, protecting a Louisiana depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Louisiana
Are CD rates in Louisiana FDIC insured?
Yes, most established banks in Louisiana are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Louisiana?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Louisiana.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Louisiana may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Louisiana?
Here are recent top rates found for this area:
- ADVANCIAL: 4.49% APY (Regular, IRA & Business Jumbo Certificates - 5 years)
- Hope Federal Credit Union Jackson, MS: 4.47% APY (60 Month Jumbo Share Certificates (CDs))
- Ouachita Valley Federal Credit Union: 4.33% APY (24-Month IRA)
- Post Office Employees Credit Union: 4.33% APY (Share Certificate 12-Month)
- GEISMAR COMPLEX: 4.33% APY (1 YEAR CERTIFICATE)
- Capital One Bank: 4.30% APY (12 Month 360 CDs)
- Anthem Bank & Trust: 4.30% APY (60 Month CD)
- Crescent Bank: 4.25% APY (24-month CD)
- CUSA Federal Credit Union: 4.25% APY (NEW Deposit 12 Month Share & IRA Certificates of Deposit)
- Chevron Federal Credit Union: 4.25% APY (12 Month Certificate)
Rates reflect recent verified offers available in Louisiana. Last Updated: September 21, 2026
Louisiana CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Louisiana rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Louisiana
Louisiana CD Calculator
At today’s LA top rate of 4.49% APY, a $10,000 deposit earns $449 in the first year. Enter your amount to see your exact return.
Louisiana CD LadderLA CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Louisiana CD at 4.49% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsLouisiana’s average 12-month CD is 2.952% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Louisiana CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Louisiana directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Louisiana. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in LA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 21, 2026
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