CD Rates Louisiana (LA) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Keesler Federal Credit UnionKeesler Federal Credit Union1338 Gause Blvd, Slidell, LA 70458A+5.0 ★Texas Ratio: 4.31%Real return: +2.20%APY minus CPI (February 2026) offering 6 Month Share & IRA Certificate at 5.00% APY, Heritage Bank of St TammanyHeritage Bank of St Tammany205 N Columbia St, Covington, LA 70433A+5.0 ★Texas Ratio: 3.86%Real return: +1.28%APY minus CPI (February 2026) offering 6 Month Certificate at 4.08% APY, Riverland Federal Credit UnionRiverland Federal Credit Union639 Loyola Ave Ste 220, New Orleans, LA 70113 3130A+5.0 ★Texas Ratio: 4.24%Real return: +1.20%APY minus CPI (February 2026) offering Regular Certificates 18-month at 4.00% APY, EFCU Financial Federal Credit UnionEFCU Financial Federal Credit Union10719 Airline Hwy, Baton Rouge, LA 70816 4213A+5.0 ★Texas Ratio: 2.96%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month Certificate at 4.00% APY, and Citizens Savings Bank Bogalusa, LACitizens Savings Bank Bogalusa, LA1725 Sullivan Dr, Bogalusa, LA 70427A+5.0 ★Texas Ratio: 5.84%Real return: +1.16%APY minus CPI (February 2026) offering 12 Month IRA at 3.96% APY. CD rates as of April 12, 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 5.00% APY from Keesler Federal Credit Union at 1338 Gause Blvd, Slidell, LA 70458. Rates are continually updated — 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: April 12, 2026
Compare Best CD Rates in Louisiana
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Investar Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1542 Charter St, Jackson, LA 70748
3-Month Certificate of Deposit
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Consumer Online Banking Only
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6151 Hwy 10, Greensburg, LA 70441
90 Day Fixed Rate CDS
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
American Bank & Trust Company LA
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
307 E Landry St, Opelousas, LA 70570
90 Day CD
$1,000
0.65%
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
1500 N 19th St, Monroe, LA 71201 4942
3 Month Term Share Certificates
$0
0.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1338 Gause Blvd, Slidell, LA 70458
6 Month Share & IRA Certificate
$0
5.00%
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Promotional rate. Subject to change. Max $50,000 per certificate.
Heritage Bank of St Tammany
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
205 N Columbia St, Covington, LA 70433
6 Month Certificate
$500
4.08%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
380 S Franklin St, Bastrop, LA 71220
6 Month TEAL Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Age 0-17
Credit Human Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.04%
3001 Tulane Ave Ste 8, New Orleans, LA 70119 7200
6-month Share Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Limited Time Only
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
6 Month CD
$2,500
3.79%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4361 Youree Dr, Shreveport, LA 71105
6-Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
23910 Railroad Ave, Plaquemine, LA 70764
6 Month CD
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
2000 LAKESHORE DR, NEW ORLEANS, LA 70148 3520
6 Month Certificate
$0
3.58%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
GEISMAR COMPLEX
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
35294 Highway 30, Geismar, LA 70734
6 MONTH CERTIFICATE
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
700 Main St, Baton Rouge, LA 70802 5501
6 Month Share Certificate
$2,500
3.50%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
LES
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
950 N 22nd St Ste C, Baton Rouge, LA 70802
6 month Share Certificate
$500
3.27%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4321 Nelson Rd, Lake Charles, LA 70605 4119
IRA Certificate 6-Month
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6151 Hwy 10, Greensburg, LA 70441
6 Month Fixed Rate CDS
$500
2.85%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
Roth IRA - Fixed Rate (6 mo)
$1,000
2.77%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.76%
4400 Maplewood Dr, Sulphur, LA 70663
Silver Share Certificates 6 Month
$0
2.47%
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
American Bank & Trust Company LA
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
307 E Landry St, Opelousas, LA 70570
6 Month CD
$1,000
1.56%
▼
Rate1.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
9101 Hwy 3125, Convent, LA 70723
Certificates minimum) 6 Month
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
1500 N 19th St, Monroe, LA 71201 4942
6 Month Term Share Certificates
$0
0.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
1512 Gause Blvd, Slidell, LA 70458
Regular Certificate 6 month
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
12 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
12 Month IRA
$250
3.96%
▼
Rate3.90%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.76%
4400 Maplewood Dr, Sulphur, LA 70663
Silver Share Certificates 1 Year
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
GEISMAR COMPLEX
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
35294 Highway 30, Geismar, LA 70734
1 YEAR CERTIFICATE
$500
3.82%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
2235 S College Rd, Lafayette, LA 70508
12-Month Certificate
$1,000
3.80%
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
LES
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
950 N 22nd St Ste C, Baton Rouge, LA 70802
1 year Education IRA
$0
3.77%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Bank of St Tammany
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
205 N Columbia St, Covington, LA 70433
IRA'S (Traditional and Roth) 1 year
$100
3.75%
▼
Rate3.68%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
8400 Mansfield Rd, Shreveport, LA 71108
12 month Share Certificates
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
2201 Veterans Memorial Blvd, Metairie, LA 70002
12-month CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov. Member FDIC
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
5445 POINT CLAIR RD, CARVILLE, LA 70721
12-Month CD
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pays Monthly
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
2000 LAKESHORE DR, NEW ORLEANS, LA 70148 3520
12 Month (1 Year) Certificate
$0
3.58%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
SHARE CERTIFICATES & IRA CERTIFICATES 1 Year (Super Jumbo)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
9101 Hwy 3125, Convent, LA 70723
Certificates minimum) 12 Month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
700 Main St, Baton Rouge, LA 70802 5501
Super Saver Share Certificate 1 Year
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
APY with La Cap Checking: 3.75%
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
Roth IRA - Fixed Rate (12 mo)
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1338 Gause Blvd, Slidell, LA 70458
1 Year Share & IRA Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4321 Nelson Rd, Lake Charles, LA 70605 4119
IRA Certificate 1-Year
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4000 General Degaulle Dr, New Orleans, LA 70114
1 Year Step Certificate Account
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Jumbo Certificates 1 year
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6151 Hwy 10, Greensburg, LA 70441
1 Year Fixed Rate CDS
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
1 Year IRA Certificates
$500
2.65%
▼
Rate2.62%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
701 Poydras St Ste P140, New Orleans, LA 70139
Jumbo IRA & Share Certificate Accounts 1 Year
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
American Bank & Trust Company LA
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
307 E Landry St, Opelousas, LA 70570
12 Month CD (quarterly add on)
$1,000
1.91%
▼
Rate1.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
1500 N 19th St, Monroe, LA 71201 4942
1 Year Term Share Certificates
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
1512 Gause Blvd, Slidell, LA 70458
Regular Certificate 1 Year
$0
0.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
639 Loyola Ave Ste 220, New Orleans, LA 70113 3130
Regular Certificates 18-month
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
2235 S College Rd, Lafayette, LA 70508
18-Month Certificate
$1,000
3.80%
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
8400 Mansfield Rd, Shreveport, LA 71108
18 month Share Certificates
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4361 Youree Dr, Shreveport, LA 71105
18-Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
23910 Railroad Ave, Plaquemine, LA 70764
18 Month CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
18 Month IRA
$250
3.29%
▼
Rate3.25%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1338 Gause Blvd, Slidell, LA 70458
18 Month Share & IRA Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4321 Nelson Rd, Lake Charles, LA 70605 4119
IRA Certificate 18-Month
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
1100 Roma Ave, Hammond, LA 70403 5464
Traditional & ROTH IRA 18 MONTH CERTIFICATE
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6151 Hwy 10, Greensburg, LA 70441
18 Month Fixed Rate CDS
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1726 Oretha Castle Haley Blvd, New Orleans, LA 70113 1313
IRA 18-Month Certificate
$0
2.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
639 Loyola Ave Ste 220, New Orleans, LA 70113 3130
Regular Certificates 24-month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
23910 Railroad Ave, Plaquemine, LA 70764
24 Month CD
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
IRA Certificates 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
1100 Roma Ave, Hammond, LA 70403 5464
2 Year Share Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4361 Youree Dr, Shreveport, LA 71105
24-Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
24 Month IRA
$250
3.44%
▼
Rate3.40%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
GEISMAR COMPLEX
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
35294 Highway 30, Geismar, LA 70734
2 YEAR CERTIFICATE
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
2235 S College Rd, Lafayette, LA 70508
24-Month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.76%
4400 Maplewood Dr, Sulphur, LA 70663
Silver Share Certificates 2 Year
$0
3.19%
▼
Rate3.14%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
University of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
619 McKinley St Ste 101, Lafayette, LA 70503
IRA Certificate (Traditional or Roth) 24 Month
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
Roth IRA - Fixed Rate (24 mo)
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6151 Hwy 10, Greensburg, LA 70441
2 Year Fixed Rate CDS
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4321 Nelson Rd, Lake Charles, LA 70605 4119
IRA Certificate 2-Year
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4000 General Degaulle Dr, New Orleans, LA 70114
2 Year Step Certificate Account
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
4056 Ryan St, Lake Charles, LA 70605
24 Month Expandable Share Certificates (CDs)
$100
2.43%
▼
Rate2.40%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
American Bank & Trust Company LA
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
307 E Landry St, Opelousas, LA 70570
24 Month CD (monthly check or transfer to account)
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
1500 N 19th St, Monroe, LA 71201 4942
2 Year Term Share Certificates
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1338 Gause Blvd, Slidell, LA 70458
Jumbo Share & IRA Certificates 2 Year
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
1512 Gause Blvd, Slidell, LA 70458
Regular Certificate 2 Year
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
639 Loyola Ave Ste 220, New Orleans, LA 70113 3130
Regular Certificates 36-month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
23910 Railroad Ave, Plaquemine, LA 70764
36 Month CD
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Valex Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.45%
2495 Shreveport Hwy, Pineville, LA 71360
36 Month Share Certificate
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
8400 Mansfield Rd, Shreveport, LA 71108
36 month Share Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
5445 POINT CLAIR RD, CARVILLE, LA 70721
36-Month CD
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pays Monthly
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
36 Month IRA
$250
3.29%
▼
Rate3.25%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
2235 S College Rd, Lafayette, LA 70508
36-Month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Bank of St Tammany
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
205 N Columbia St, Covington, LA 70433
IRA'S (Traditional and Roth) 3 year
$100
3.05%
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
CenLA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
708 Jackson St, Alexandria, LA 71301
IRA Certificate Account 3 year
$100
3.04%
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
2000 LAKESHORE DR, NEW ORLEANS, LA 70148 3520
36 Month (3 Years) Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
University of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
619 McKinley St Ste 101, Lafayette, LA 70503
IRA Certificate (Traditional or Roth) 36 Month
$500
2.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6151 Hwy 10, Greensburg, LA 70441
3 Year Fixed Rate CDS
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.76%
4400 Maplewood Dr, Sulphur, LA 70663
Silver Share Certificates 3 Year
$0
2.37%
▼
Rate2.34%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4321 Nelson Rd, Lake Charles, LA 70605 4119
IRA Certificate 3-Year
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
4056 Ryan St, Lake Charles, LA 70605
36 Month Expandable Share Certificates (CDs)
$100
2.12%
▼
Rate2.10%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
American Bank & Trust Company LA
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
307 E Landry St, Opelousas, LA 70570
36 Month CD (monthly check or transfer to account)
$1,000
2.07%
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
1500 N 19th St, Monroe, LA 71201 4942
3 Year Term Share Certificates
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1338 Gause Blvd, Slidell, LA 70458
Jumbo Share & IRA Certificates 3 Year
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
1512 Gause Blvd, Slidell, LA 70458
Regular Certificate 3 Year
$0
0.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
23910 Railroad Ave, Plaquemine, LA 70764
48 Month CD
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4361 Youree Dr, Shreveport, LA 71105
48-Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
8400 Mansfield Rd, Shreveport, LA 71108
48 month Share Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
48 Month Bump IRA
$250
3.29%
▼
Rate3.25%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
2235 S College Rd, Lafayette, LA 70508
48-Month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
5445 POINT CLAIR RD, CARVILLE, LA 70721
48-Month CD
$0
3.05%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
New Money Only, Pays Monthly
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6151 Hwy 10, Greensburg, LA 70441
4 Year Fixed Rate CDS
$500
2.85%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
1500 N 19th St, Monroe, LA 71201 4942
4 Year Term Share Certificates
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Bank of St Tammany
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
205 N Columbia St, Covington, LA 70433
4 Year Bump Option Certificate of Deposit
$500
1.31%
▼
Rate1.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Renewals only at this time.
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1338 Gause Blvd, Slidell, LA 70458
Jumbo Share & IRA Certificates 4 Year
$0
1.20%
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
639 Loyola Ave Ste 220, New Orleans, LA 70113 3130
Regular Certificates 60-month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
23910 Railroad Ave, Plaquemine, LA 70764
60 Month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4361 Youree Dr, Shreveport, LA 71105
60-Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
8400 Mansfield Rd, Shreveport, LA 71108
60 month Share Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
60 Month Bump IRA
$250
3.29%
▼
Rate3.25%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
2235 S College Rd, Lafayette, LA 70508
60-Month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Bank of St Tammany
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
205 N Columbia St, Covington, LA 70433
5 Year Certificate of Deposit
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
2000 LAKESHORE DR, NEW ORLEANS, LA 70148 3520
60 Month (5 Years) Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
5445 POINT CLAIR RD, CARVILLE, LA 70721
60-Month CD
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
New Money Only, Pays Monthly
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6151 Hwy 10, Greensburg, LA 70441
5 Year Fixed Rate CDS
$500
2.95%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
University of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
619 McKinley St Ste 101, Lafayette, LA 70503
IRA Certificate (Traditional or Roth) 60 Month
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
Roth IRA - Fixed Rate (60 mo)
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1726 Oretha Castle Haley Blvd, New Orleans, LA 70113 1313
IRA 60-Month Certificate
$0
2.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4321 Nelson Rd, Lake Charles, LA 70605 4119
IRA Certificate 5-Year
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
1500 N 19th St, Monroe, LA 71201 4942
5 Year Term Share Certificates
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1338 Gause Blvd, Slidell, LA 70458
Jumbo Share & IRA Certificates 5 Year
$0
1.45%
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
1512 Gause Blvd, Slidell, LA 70458
Regular Certificate 5 Year
$0
0.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Powered by
MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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
2.878%
▼ 0.537 vs 7 days ago
Louisiana 12-month CD rates fell 0.537 points over the past 7 days to 2.878% APY.
6-Month CD — LA Avg
2.609%
▼ 0.461 vs 7 days ago
Louisiana 6-month CD rates fell 0.461 points over the past 7 days to 2.609% APY.
As of Apr 12, 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 April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
LA 12-Month Avg APY
2.878%
6-Month Forecast
2.878%
Range: 2.68% – 3.03%
12-Month Forecast
2.628%
Range: 2.43% – 2.78%
Powered by
MonitorBankRates
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 | 2.116% | $105.82 | $211.63 | $529.08 | $1,058.15 |
| 6-Month CD | 2.609% | $130.46 | $260.92 | $652.30 | $1,304.60 |
| 12-Month CD | 2.878% | $143.90 | $287.80 | $719.50 | $1,439.00 |
| 18-Month CD | 3.256% | $162.81 | $325.61 | $814.03 | $1,628.05 |
| 24-Month CD | 2.647% | $132.37 | $264.74 | $661.85 | $1,323.70 |
| 36-Month CD | 2.571% | $128.54 | $257.07 | $642.68 | $1,285.35 |
| 48-Month CD | 2.719% | $135.94 | $271.87 | $679.68 | $1,359.35 |
| 60-Month CD | 2.674% | $133.68 | $267.36 | $668.40 | $1,336.80 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 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 | 2.116% | $105.82 |
| 2 | 6-Month CD | $5,000 | 2.609% | $130.46 |
| 3 | 12-Month CD | $5,000 | 2.878% | $143.90 |
| 4 | 24-Month CD | $5,000 | 2.647% | $132.37 |
| 5 | 36-Month CD | $5,000 | 2.571% | $128.54 |
| Total ($25,000 invested) | $25,000 | 2.564% blended | $641.09/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.
56
Institutions
in Louisiana
in Louisiana
14 Banks
24 Credit Unions
About Our Louisiana CD Rate Database
MonitorBankRates tracks CD rates from 14 banks and 24 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: Keesler Federal Credit Union offers a CD at 5.00% 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 24 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 — 38 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Louisiana savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → 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
$117/yr
At LA 12-mo avg 2.878% 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 2.878%, saving 10% of the local median salary ($4,053/year) and putting it in a CD would earn an additional $117 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 |
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:
- Keesler Federal Credit Union: 5.00% APY (6 Month Share & IRA Certificate)
- Heritage Bank of St Tammany: 4.08% APY (6 Month Certificate)
- Riverland Federal Credit Union: 4.00% APY (Regular Certificates 18-month)
- EFCU Financial Federal Credit Union: 4.00% APY (12 Month Certificate)
- Citizens Savings Bank Bogalusa, LA: 3.96% APY (12 Month IRA)
- Red River Employees Federal Credit Union: 3.95% APY (6 Month TEAL Certificate)
- Access Of Louisiana Federal Credit Union: 3.91% APY (Silver Share Certificates 1 Year)
- Investar Bank National Association: 3.90% APY (3-Month Certificate of Deposit)
- Northrop Grumman Federal Credit Union: 3.84% APY (Bonus Certificate 12-Month)
- GEISMAR COMPLEX: 3.82% APY (1 YEAR CERTIFICATE)
Rates reflect recent verified offers available in Louisiana. Last Updated: April 12, 2026
CD Calculators for Louisiana
Louisiana CD Calculator
At today’s LA top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Louisiana CD LadderLA CD rates currently range from 2.116% (3-month) to 2.571% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Louisiana CD at 5.00% 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 2.878% 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
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 pulling data straight 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: April 12, 2026
Cities in Louisiana
Rate Assistant
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