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CD Rate Trends

Louisiana Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Louisiana CD rates range from 0.10% to 4.95% APY, verified by MonitorBankRates as of October 13, 2026. Current Louisiana CD rates include Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS1726 Oretha Castle Haley Blvd, New Orleans, LA 70113 1313A5.0 ★Texas Ratio: 7.78%Real return: +2.15%APY minus CPI (February 2026) offering 60 Month Share Certificates (CDs) - Jumbo at 4.95% APY, Advancial Federal Credit UnionAdvancial Federal Credit Union306 E Kaliste Saloom Rd, Lafayette, LA 70508A5.0 ★Texas Ratio: 12.30%Real return: +2.07%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates - 5 years at 4.87% APY, La Capitol Federal Credit UnionLa Capitol Federal Credit Union700 Main St, Baton Rouge, LA 70802 5501A5.0 ★Texas Ratio: 7.48%Real return: +1.75%APY minus CPI (February 2026) offering 5 Year Super Saver Share Certificate at 4.55% APY, The New Orleans Firemens Federal Credit UnionThe New Orleans Firemens Federal Credit Union1512 Gause Blvd, Slidell, LA 70458A5.0 ★Texas Ratio: 7.30%Real return: +1.70%APY minus CPI (February 2026) offering 2-Year Regular Certificate or IRA Certificate at 4.50% APY, and Chevron Federal Credit UnionChevron Federal Credit Union100 Northpark Blvd # B1302A, Covington, LA 70433 5069A+5.0 ★Texas Ratio: 2.12%Real return: +1.60%APY minus CPI (February 2026) offering 36 Month Share Certificate at 4.40% APY. CD rates as of October 13, 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 4.95% APY from Hope Federal Credit Union Jackson, MS at 1726 Oretha Castle Haley Blvd, New Orleans, LA 70113 1313. 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: October 13, 2026

Compare Best CD Rates in Louisiana

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Louisiana 3 Month CD Rates

MonitorBankRates Louisiana Average · 3 Month CD2.42% APY▲ 0.08% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Louisiana is 2.42% APY, compared with 2.09% nationally, as of October 13, 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
CUSA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
100 Northpark Blvd, Covington, LA 70433
3 Month Share & IRA Certificates of Deposit
$1,000
3.85% ▲ 1.43% above Louisiana avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average2.42%▲ 1.43% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 14, 2026: 3.50% APYOct 4, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.85%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
3-Month Certificate
$500
3.76% ▲ 1.34% above Louisiana avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average2.42%▲ 1.34% above avgNationally 2.09%
Details

Penalties for early withdrawals may apply. Fees may reduce earnings on the account.

Rate History
1 change since Sep 25, 2026 · 3.50% → 3.76% ▲ 0.26 pts · high 3.76% / low 3.50%
3.00%3.63%4.26%Sep 25, 2026: 3.50% APYOct 4, 2026: 3.76% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.76%▲ from 3.50%
  • Sep 25, 20263.50%first recorded
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
Share Certificates - 3 Months
$0
3.72% ▲ 1.30% above Louisiana avg
View
▼
Rate3.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average2.42%▲ 1.30% above avgNationally 2.09%
Details

Days: 91 - 181

Rate History
No change since Oct 12, 2026 · 3.72% APY
3.22%3.72%4.22%Oct 12, 2026: 3.72% APYOct 12, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
123 N Oak St, Hammond, LA 70401
3 Month Certificate
$500
3.50% ▲ 1.08% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average2.42%▲ 1.08% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4626 Highway 1, Raceland, LA 70394
3 Month Certificate
$1,000
3.50% ▲ 1.08% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average2.42%▲ 1.08% above avgNationally 2.09%
Details

Interest on CDs 12 months or less will be paid at maturity. CDs opened online have a maximum deposit limit of $500,000.

Rate History
No change since Sep 11, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 11, 2026: 3.50% APYSep 11, 2026Oct 13, 2026
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
4000 General Degaulle Dr, New Orleans, LA 70114
3 Month Certificate
$1,000
3.50% ▲ 1.08% above Louisiana avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average2.42%▲ 1.08% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
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% ▲ 1.08% above Louisiana avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average2.42%▲ 1.08% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
3 Month Share Certificate
$500
3.50% ▲ 1.08% above Louisiana avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average2.42%▲ 1.08% above avgNationally 2.09%
Details

Rate History
1 change since Oct 5, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Oct 5, 2026: 3.30% APYOct 13, 2026: 3.50% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20263.50%▲ from 3.30%
  • Oct 5, 20263.30%first recorded
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% ▲ 1.02% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average2.42%▲ 1.02% above avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 3.44% APY · checked 8 times
2.94%3.44%3.94%Sep 8, 2026: 3.44% APYSep 8, 2026Oct 13, 2026
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
3 Month Share Certificates (Super Jumbo)
$0
3.15% ▲ 0.73% above Louisiana avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average2.42%▲ 0.73% above avgNationally 2.09%
Details

Balance: $25,000 - $100,000

Rate History
No change since Oct 6, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 6, 2026: 3.15% APYOct 6, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
4440 Nelson Rd, Lake Charles, LA 70605
3 Month Certificate
$0
2.94% ▲ 0.52% above Louisiana avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average2.42%▲ 0.52% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 24, 2026: 2.94% APYSep 24, 2026Oct 13, 2026
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
3 Month Share Certificates (Jumbo)
$0
2.89% ▲ 0.47% above Louisiana avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average2.42%▲ 0.47% above avgNationally 2.09%
Details

Balance: $15,000 - $24,999.99

Rate History
No change since Oct 6, 2026 · 2.89% APY · checked 2 times
2.39%2.89%3.39%Oct 6, 2026: 2.89% APYOct 6, 2026Oct 13, 2026
Formation Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
10289 Airline Hwy, Baton Rouge, LA 70816
Share Certificate - 3 months
$0
2.75% ▲ 0.33% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average2.42%▲ 0.33% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 13, 2026
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
6151 Hwy 10, Greensburg, LA 70441
90 Day Fixed Rate CD
$500
2.70% ▲ 0.28% above Louisiana avg
View
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average2.42%▲ 0.28% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 6 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Jumbo Certificates - 3 months
$0
2.65% ▲ 0.23% above Louisiana avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average2.42%▲ 0.23% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.55% → 2.65% ▲ 0.10 pts · high 2.65% / low 2.55%
2.05%2.60%3.15%Sep 18, 2026: 2.55% APYOct 1, 2026: 2.65% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20262.65%▲ from 2.55%
  • Sep 18, 20262.55%first recorded
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
3 Month Share Certificates (Mini-Jumbo)
$0
2.63% ▲ 0.21% above Louisiana avg
View
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average2.42%▲ 0.21% above avgNationally 2.09%
Details

Balance: $5,000 - $14,999.99

Rate History
No change since Oct 6, 2026 · 2.63% APY · checked 2 times
2.13%2.63%3.13%Oct 6, 2026: 2.63% APYOct 6, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Junior Jumbo Certificates - 3 months
$0
2.55% ▲ 0.13% above Louisiana avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average2.42%▲ 0.13% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.45% → 2.55% ▲ 0.10 pts · high 2.55% / low 2.45%
1.95%2.50%3.05%Sep 18, 2026: 2.45% APYOct 1, 2026: 2.55% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20262.55%▲ from 2.45%
  • Sep 18, 20262.45%first recorded
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Machen Dr, Springhill, LA 71075
Personal or Business Certificate of Deposit Products - 3 Months
$0
2.52% ▲ 0.10% above Louisiana avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average2.42%▲ 0.10% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 7, 2026: 2.52% APYOct 7, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Certificates - 3 months
$0
2.45% ▲ 0.03% above Louisiana avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average2.42%▲ 0.03% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.34% → 2.45% ▲ 0.11 pts · high 2.45% / low 2.34%
1.84%2.40%2.95%Sep 18, 2026: 2.34% APYOct 1, 2026: 2.45% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20262.45%▲ from 2.34%
  • Sep 18, 20262.34%first recorded
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
3 Month Share Certificates
$0
2.38% ▼ 0.04% below Louisiana avg
View
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average2.42%▼ 0.04% below avgNationally 2.09%
Details

Balance: $500 - $4,999.99

Rate History
No change since Oct 6, 2026 · 2.38% APY · checked 2 times
1.88%2.38%2.88%Oct 6, 2026: 2.38% APYOct 6, 2026Oct 13, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2701 Louisville Ave, Monroe, LA 71201
3 Month CD
$500
2.00% ▼ 0.42% below Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average2.42%▼ 0.42% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1221 Elmwood Park Blvd, Harahan, LA 70123
Share Certificates - 90 Days
$1,500
1.90% ▼ 0.52% below Louisiana avg
View
▼
Rate1.88%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average2.42%▼ 0.52% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.90% APY · checked 7 times
1.40%1.90%2.40%Sep 14, 2026: 1.90% APYSep 14, 2026Oct 13, 2026
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% ▼ 0.67% below Louisiana avg
View
▼
Rate1.74%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average2.42%▼ 0.67% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
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% ▼ 0.67% below Louisiana avg
View
▼
Rate1.74%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average2.42%▼ 0.67% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
904 Carter St, Vidalia, LA 71373
3 Month Certificate
$2,500
1.51% ▼ 0.91% below Louisiana avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average2.42%▼ 0.91% below avgNationally 2.09%
Details

Compounded At Maturity

Rate History
No change since Sep 24, 2026 · 1.51% APY · checked 5 times
1.01%1.51%2.01%Sep 24, 2026: 1.51% APYSep 24, 2026Oct 13, 2026
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1500 N 19th St, Monroe, LA 71201 4942
Term Share Certificate - 3 Month
$0
1.30% ▼ 1.12% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average2.42%▼ 1.12% below avgNationally 2.09%
Details

Minimum $500 Balance; Let the Lampco Lighthouse Light Guide you to the Best CD rates in Madison County; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 5, 2026 · 1.30% APY · checked 3 times
0.80%1.30%1.80%Oct 5, 2026: 1.30% APYOct 5, 2026Oct 13, 2026
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5445 POINT CLAIR RD, CARVILLE, LA 70721
3-Month Certificate
$500
0.99% ▼ 1.43% below Louisiana avg
View
▼
Rate0.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average2.42%▼ 1.43% below avgNationally 2.09%
Details

Pays Monthly

Rate History
No change since Sep 14, 2026 · 0.99% APY · checked 7 times
0.49%0.99%1.49%Sep 14, 2026: 0.99% APYSep 14, 2026Oct 13, 2026
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% ▼ 1.77% below Louisiana avg
View
▼
Rate0.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average2.42%▼ 1.77% below avgNationally 2.09%
Details

Rate History
No change since Sep 7, 2026 · 0.65% APY · checked 8 times
0.15%0.65%1.15%Sep 7, 2026: 0.65% APYSep 7, 2026Oct 13, 2026
BOSSIER
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
1871 Pine Grove Rd, Keithville, LA 71047
3 Month Share Certificate
$0
0.25% ▼ 2.17% below Louisiana avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average2.42%▼ 2.17% below avgNationally 2.09%
Details

Rate History
No change since Oct 6, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 6, 2026: 0.25% APYOct 6, 2026Oct 13, 2026
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
665 Florida St, Baton Rouge, LA 70801
90 Day Personal Certificates of Deposit
$1,000
0.10% ▼ 2.32% below Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average2.42%▼ 2.32% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026

Louisiana 6 Month CD Rates

MonitorBankRates Louisiana Average · 6 Month CD3.20% APY▲ 0.07% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Louisiana is 3.20% APY, compared with 2.78% nationally, as of October 13, 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
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
380 S Franklin St, Bastrop, LA 71220
6 Month TEAL Certificate
$250
4.33% ▲ 1.13% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 1.13% above avgNationally 2.78%
Details

Age: 13-17; Dividends Credited/Compounded: Monthly; $250 Minimum

Rate History
No change since Oct 12, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 12, 2026: 4.33% APYOct 12, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
380 S Franklin St, Bastrop, LA 71220
6-Month TEAL Certificate for Teens
$250
4.33% ▲ 1.13% above Louisiana avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 1.13% above avgNationally 2.78%
Details

Ages: 13-17; Teens Earning And Learning certificate; current dividend 4.33% APY compounded monthly; open in local branch

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 4, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate - 6-Month
$1,000
4.33% ▲ 1.13% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.20%▲ 1.13% above avgNationally 2.78%
Details

Rate tier: Base Rate + 1.25%; Dividends paid monthly

Rate History
No change since Sep 18, 2026 · 4.33% APY · checked 4 times
3.83%4.33%4.83%Sep 18, 2026: 4.33% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
6 Month 360 CDs
$0
4.30% ▲ 1.10% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.20%▲ 1.10% above avgNationally 2.78%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
6-Month Regular Certificate or IRA Certificate
$10,000
4.25% ▲ 1.05% above Louisiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 1.05% above avgNationally 2.78%
Details

Deposit: $10,000+

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
Southwest Louisiana Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
4056 Ryan St, Lake Charles, LA 70605
6 Month Share Certificates (CDs)
$500
4.23% ▲ 1.03% above Louisiana avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.20%▲ 1.03% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 4.23% ▲ 0.68 pts · high 4.23% / low 3.55%
2.87%3.89%4.91%Sep 18, 2026: 3.55% APYOct 13, 2026: 4.23% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.23%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
6 Month Jumbo IRA Certificates
$100,000
4.20% ▲ 1.00% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 1.00% above avgNationally 2.78%
Details

Rate History
No change since Sep 20, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 20, 2026: 4.20% APYSep 20, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
6 Month IRA Certificates
$500
4.10% ▲ 0.90% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 0.90% above avgNationally 2.78%
Details

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
6 Month Jumbo Certificates
$100,000
4.10% ▲ 0.90% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 0.90% above avgNationally 2.78%
Details

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Oct 13, 2026
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate - 6-Month
$1,000
4.07% ▲ 0.87% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.20%▲ 0.87% above avgNationally 2.78%
Details

Rate tier: Base Rate + 1.00%; Dividends paid monthly

Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 18, 2026: 4.07% APYSep 18, 2026Oct 13, 2026
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
1725 Sullivan Dr, Bogalusa, LA 70427
6 Month IRA
$250
4.06% ▲ 0.86% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 0.86% above avgNationally 2.78%
Details

Rate History
1 change since Sep 24, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 24, 2026: 3.80% APYOct 8, 2026: 4.06% APYSep 24, 2026Oct 13, 2026
  • Oct 8, 20264.06%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
1725 Sullivan Dr, Bogalusa, LA 70427
6 Month CD
$2,500
4.04% ▲ 0.84% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 0.84% above avgNationally 2.78%
Details

Rate History
1 change since Sep 24, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
3.29%3.92%4.54%Sep 24, 2026: 3.79% APYOct 8, 2026: 4.04% APYSep 24, 2026Oct 13, 2026
  • Oct 8, 20264.04%▲ from 3.79%
  • Sep 24, 20263.79%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
6 Month Youth Certificate
$1,000
4.00% ▲ 0.80% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 0.80% above avgNationally 2.78%
Details

Term: 6 months, 12 months, 3 years or 5 years

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
6-Month Regular Certificate or IRA Certificate
$2,000
4.00% ▲ 0.80% above Louisiana avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 0.80% above avgNationally 2.78%
Details

Deposit: $2,000-$9,999

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
6 Month Share Certificates
$500
4.00% ▲ 0.80% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 0.80% above avgNationally 2.78%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
6-Month Certificate
$500
4.00% ▲ 0.80% above Louisiana avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 0.80% above avgNationally 2.78%
Details

Penalties for early withdrawals may apply. Fees may reduce earnings on the account.

Rate History
1 change since Sep 25, 2026 · 3.82% → 4.00% ▲ 0.18 pts · high 4.00% / low 3.82%
3.32%3.91%4.50%Sep 25, 2026: 3.82% APYOct 4, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.82%
  • Sep 25, 20263.82%first recorded
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
7288 Highway 509, Mansfield, LA 71052
6 Month Share Certificate/IRA Share Certificate
$1,000
4.00% ▲ 0.80% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 0.80% above avgNationally 2.78%
Details

Minimum opening deposit is $1,000; Rates effective as of 10/6/2026

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
6 Month Share Certificates
$0
3.90% ▲ 0.70% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.20%▲ 0.70% above avgNationally 2.78%
Details

Balance: $1,000 and up; Step-Up Option column lists three 'Available' entries; row alignment not explicit on page

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
3.00%3.70%4.40%Sep 14, 2026: 3.50% APYSep 17, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Sep 17, 20263.90%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
6 Month Share Certificate
$500
3.85% ▲ 0.65% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.20%▲ 0.65% above avgNationally 2.78%
Details

Rate History
1 change since Oct 5, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Oct 5, 2026: 3.50% APYOct 13, 2026: 3.85% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.50%
  • Oct 5, 20263.50%first recorded
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
Share Certificates - 6 Months
$0
3.82% ▲ 0.62% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 0.62% above avgNationally 2.78%
Details

Days: 182 - 272

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate - 6-Month
$1,000
3.82% ▲ 0.62% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.20%▲ 0.62% above avgNationally 2.78%
Details

Rate tier: Base Rate + 0.75%; Dividends paid monthly

Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 18, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1420 Natchitoches St, West Monroe, LA 71292
6-Month CD
$1,000
3.81% ▲ 0.61% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 0.61% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8400 Mansfield Rd, Shreveport, LA 71108
6 Month Share Certificate
$0
3.80% ▲ 0.60% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 0.60% above avgNationally 2.78%
Details

Rate History
1 change since Sep 12, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 12, 2026: 3.65% APYOct 12, 2026: 3.80% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.80%▲ from 3.65%
  • Sep 12, 20263.65%first recorded
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8400 Mansfield Rd, Shreveport, LA 71108
Share Certificate - 6 month
$0
3.80% ▲ 0.60% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 0.60% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
4361 Youree Dr, Shreveport, LA 71105
6-Month Share & IRA Certificate
$1,000
3.75% ▲ 0.55% above Louisiana avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 0.55% above avgNationally 2.78%
Details

Share & IRA Certificate; fixed rate

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1221 Elmwood Park Blvd, Harahan, LA 70123
Jumbo Share Certificates - 6 Months
$50,000
3.75% ▲ 0.55% above Louisiana avg
View
▼
Rate3.68%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.20%▲ 0.55% above avgNationally 2.78%
Details

Minimum balance to open is $50,000

Rate History
No change since Oct 5, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 5, 2026: 3.75% APYOct 5, 2026Oct 13, 2026
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
1091 Thomas Rd, West Monroe, LA 71292 5821
Business Share Certificate - 6 Months
$0
3.75% ▲ 0.55% above Louisiana avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.20%▲ 0.55% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
1091 Thomas Rd, West Monroe, LA 71292 5821
Regular Certificate - 6 Months
$0
3.75% ▲ 0.55% above Louisiana avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.20%▲ 0.55% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4626 Highway 1, Raceland, LA 70394
6 Month Certificate
$1,000
3.73% ▲ 0.53% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.20%▲ 0.53% above avgNationally 2.78%
Details

Interest on CDs 12 months or less will be paid at maturity. CDs opened online have a maximum deposit limit of $500,000.

Rate History
No change since Sep 11, 2026 · 3.73% APY · checked 6 times
3.23%3.73%4.23%Sep 11, 2026: 3.73% APYSep 11, 2026Oct 13, 2026
CUSA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
100 Northpark Blvd, Covington, LA 70433
6 Month Share & IRA Certificates of Deposit
$1,000
3.70% ▲ 0.50% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.20%▲ 0.50% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35%
2.85%3.53%4.20%Sep 14, 2026: 3.35% APYOct 4, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.70%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus Certificates - 6 Month
$0
3.66% ▲ 0.46% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.20%▲ 0.46% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60%
3.10%3.63%4.16%Sep 14, 2026: 3.60% APYOct 13, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.66%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
6303 Esler Field Rd, Pineville, LA 71360 3790
6 Month IRA Certificate (Traditional or Roth)
$500
3.65% ▲ 0.45% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.20%▲ 0.45% above avgNationally 2.78%
Details

$500 minimum deposit; Early withdrawal penalty: 30 days of dividends earned or all dividends earned, whichever is least

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYOct 13, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
6303 Esler Field Rd, Pineville, LA 71360 3790
6 Month Share Certificate
$0
3.65% ▲ 0.45% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.20%▲ 0.45% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5445 POINT CLAIR RD, CARVILLE, LA 70721
6-Month Certificate
$1,000
3.65% ▲ 0.45% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.20%▲ 0.45% above avgNationally 2.78%
Details

Pays Monthly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
123 N Oak St, Hammond, LA 70401
6 Month Certificate
$500
3.60% ▲ 0.40% above Louisiana avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.20%▲ 0.40% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
3.00%3.55%4.10%Sep 14, 2026: 3.50% APYOct 7, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Landmark Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.80%
12225 Saint Helena St, Clinton, LA 70722
6-Month CD
$0
3.60% ▲ 0.40% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.20%▲ 0.40% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
6 Month View Today's Full List of CD Offerings here
$100,000
3.60% ▲ 0.40% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.20%▲ 0.40% above avgNationally 2.78%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
2235 S College Rd, Lafayette, LA 70508
6-Month Certificate
$0
3.60% ▲ 0.40% above Louisiana avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.20%▲ 0.40% above avgNationally 2.78%
Details

Share Certificate; Dividend/Interest Rate 3.54%, APY 3.60%

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.60% ▼ 0.20 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.80% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.60%▼ from 3.80%
  • Sep 14, 20263.80%first recorded
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
2235 S College Rd, Lafayette, LA 70508
Share Certificates - 6-Month Certificate
$1,000
3.60% ▲ 0.40% above Louisiana avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.20%▲ 0.40% above avgNationally 2.78%
Details

Minimum deposit $1,000.00

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2430 S Burnside Ave, Gonzales, LA 70737 4645
Share Certificate 6 Months
$0
3.60% ▲ 0.40% above Louisiana avg
View
▼
Rate3.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.20%▲ 0.40% above avgNationally 2.78%
Details

Share Certificate

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2000 LAKESHORE DR, NEW ORLEANS, LA 70148 3520
Certificate - 6 Month
$300
3.58% ▲ 0.38% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.20%▲ 0.38% above avgNationally 2.78%
Details

Dividends paid on the first day of each calendar month; rate and APY fixed for the term

Rate History
No change since Sep 14, 2026 · 3.58% APY · checked 7 times
3.08%3.58%4.08%Sep 14, 2026: 3.58% APYSep 14, 2026Oct 13, 2026
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate - 6-Month
$1,000
3.56% ▲ 0.36% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.20%▲ 0.36% above avgNationally 2.78%
Details

Rate tier: Base Rate + 0.50%; Dividends paid monthly

Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
GEISMAR COMPLEX
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
35294 Highway 30, Geismar, LA 70734
6 MONTH CERTIFICATE
$500
3.56% ▲ 0.36% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.20%▲ 0.36% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 7 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
2443 Texas Ave, Shreveport, LA 71103
CD - 6 Months
$0
3.56% ▲ 0.36% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.20%▲ 0.36% above avgNationally 2.78%
Details

At the end of the term, CD will automatically renew to the current rate.

Rate History
No change since Sep 17, 2026 · 3.56% APY · checked 7 times
3.06%3.56%4.06%Sep 17, 2026: 3.56% APYSep 17, 2026Oct 13, 2026
TES Regional Healthcare Federal Credit Union 2050 Line Ave, Shreveport, LA 71104
6 Month CD's
$0
3.56% ▲ 0.36% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Louisiana Average3.20%▲ 0.36% above avgNationally 2.78%
Details

Balance: $1,000+

Rate History
No change since Sep 22, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Sep 22, 2026: 3.56% APYSep 22, 2026Oct 13, 2026
TES Regional Healthcare Federal Credit Union 2050 Line Ave, Shreveport, LA 71104
6 Month Certificate
$0
3.56% ▲ 0.36% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Louisiana Average3.20%▲ 0.36% above avgNationally 2.78%
Details

Balance: $1,000+

Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
TES Regional Healthcare Federal Credit Union 2050 Line Ave, Shreveport, LA 71104
6 MOS CD
$1,000
3.56% ▲ 0.36% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Louisiana Average3.20%▲ 0.36% above avgNationally 2.78%
Details

Rate History
No change since Sep 22, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Sep 22, 2026: 3.56% APYSep 22, 2026Oct 13, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Machen Dr, Springhill, LA 71075
Personal or Business Certificate of Deposit Products - 6 Months
$0
3.55% ▲ 0.35% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.20%▲ 0.35% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Certificates - 6 Month
$0
3.55% ▲ 0.35% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.20%▲ 0.35% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.55%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
6 Month Business Certificates of Deposit
$2,500
3.50% ▲ 0.30% above Louisiana avg
View
▼
Rate3.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.20%▲ 0.30% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYOct 11, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 11, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded

Louisiana 12 Month CD Rates

MonitorBankRates Louisiana Average · 12 Month CD3.51% APY▲ 0.07% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Louisiana is 3.51% APY, compared with 2.99% nationally, as of October 13, 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: 7.78%
1726 Oretha Castle Haley Blvd, New Orleans, LA 70113 1313
12 Month Share Certificates (CDs) - Jumbo
$1,000
4.53% ▲ 1.02% above Louisiana avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 1.02% above avgNationally 2.99%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.53% APY
4.03%4.53%5.03%Oct 13, 2026: 4.53% APYOct 13, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
12-Month Regular Certificate or IRA Certificate
$10,000
4.40% ▲ 0.89% above Louisiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.51%▲ 0.89% above avgNationally 2.99%
Details

Deposit: $10,000+

Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 8, 2026: 4.40% APYOct 8, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1770 S 5th St Ste A, Leesville, LA 71446 5342
12 Month Special EasyStart Certificate
$50
4.35% ▲ 0.84% above Louisiana avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.51%▲ 0.84% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
12 Month Share Certificate
$100,000
4.35% ▲ 0.84% above Louisiana avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 0.84% above avgNationally 2.99%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
3.75%4.30%4.85%Oct 5, 2026: 4.25% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 4.25%
  • Oct 5, 20264.25%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
380 S Franklin St, Bastrop, LA 71220
IRA Certificate 12 Months
$500
4.33% ▲ 0.82% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.51%▲ 0.82% above avgNationally 2.99%
Details

Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 12, 2026: 4.33% APYOct 12, 2026Oct 13, 2026
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate - 12-Month
$1,000
4.33% ▲ 0.82% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 0.82% above avgNationally 2.99%
Details

Rate tier: Base Rate + 1.25%; Dividends paid monthly

Rate History
No change since Sep 18, 2026 · 4.33% APY · checked 4 times
3.83%4.33%4.83%Sep 18, 2026: 4.33% APYSep 18, 2026Oct 13, 2026
GEISMAR COMPLEX
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
35294 Highway 30, Geismar, LA 70734
1 YEAR CERTIFICATE
$500
4.33% ▲ 0.82% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.51%▲ 0.82% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 7 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
12 Month 360 CDs
$0
4.30% ▲ 0.79% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.51%▲ 0.79% above avgNationally 2.99%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
1 Year Super Saver Share Certificate
$100,000
4.25% ▲ 0.74% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 0.74% above avgNationally 2.99%
Details

APY with La Cap Checking; Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More)

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.25% ▲ 0.90 pts · high 4.25% / low 3.35%
2.45%3.80%5.15%Sep 14, 2026: 3.35% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
12 Month Share Certificate
$500
4.25% ▲ 0.74% above Louisiana avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 0.74% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
Epic Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.69%
3105 Lime St, Metairie, LA 70006
12 Month Stars & Stripes Share Certificate (CD) Special
$0
4.25% ▲ 0.74% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.51%▲ 0.74% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
12 Month Jumbo IRA Certificates
$100,000
4.20% ▲ 0.69% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.51%▲ 0.69% above avgNationally 2.99%
Details

Rate History
No change since Sep 20, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 20, 2026: 4.20% APYSep 20, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
12 Month IRA Certificates
$500
4.10% ▲ 0.59% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.51%▲ 0.59% above avgNationally 2.99%
Details

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
12 Month Jumbo Certificates
$100,000
4.10% ▲ 0.59% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.51%▲ 0.59% above avgNationally 2.99%
Details

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Oct 13, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
1-Year Certificate
$500
4.10% ▲ 0.59% above Louisiana avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.51%▲ 0.59% above avgNationally 2.99%
Details

Penalties for early withdrawals may apply. Fees may reduce earnings on the account.

Rate History
1 change since Sep 25, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 25, 2026: 4.05% APYOct 4, 2026: 4.10% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.10%▲ from 4.05%
  • Sep 25, 20264.05%first recorded
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
7288 Highway 509, Mansfield, LA 71052
12 Month Share Certificate/IRA Share Certificate
$1,000
4.10% ▲ 0.59% above Louisiana avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.51%▲ 0.59% above avgNationally 2.99%
Details

Minimum opening deposit is $1,000; Rates effective as of 10/6/2026

Rate History
No change since Oct 12, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 12, 2026: 4.10% APYOct 12, 2026Oct 13, 2026
Southwest Louisiana Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
4056 Ryan St, Lake Charles, LA 70605
12 Month Share Certificates (CDs)
$500
4.07% ▲ 0.56% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 0.56% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.07% ▲ 0.22 pts · high 4.07% / low 3.85%
3.35%3.96%4.57%Sep 18, 2026: 3.85% APYOct 13, 2026: 4.07% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.07%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate - 12-Month
$1,000
4.07% ▲ 0.56% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 0.56% above avgNationally 2.99%
Details

Rate tier: Base Rate + 1.00%; Dividends paid monthly

Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 18, 2026: 4.07% APYSep 18, 2026Oct 13, 2026
TES Regional Healthcare Federal Credit Union 2050 Line Ave, Shreveport, LA 71104
12 Month CD's
$0
4.07% ▲ 0.56% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Louisiana Average3.51%▲ 0.56% above avgNationally 2.99%
Details

Balance: $1,000+

Rate History
No change since Sep 22, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Sep 22, 2026: 4.07% APYSep 22, 2026Oct 13, 2026
TES Regional Healthcare Federal Credit Union 2050 Line Ave, Shreveport, LA 71104
12 Month Certificate
$0
4.07% ▲ 0.56% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Louisiana Average3.51%▲ 0.56% above avgNationally 2.99%
Details

Balance: $1,000+

Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Sep 18, 2026: 4.07% APYSep 18, 2026Oct 13, 2026
TES Regional Healthcare Federal Credit Union 2050 Line Ave, Shreveport, LA 71104
12 MOS CD
$1,000
4.07% ▲ 0.56% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Louisiana Average3.51%▲ 0.56% above avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Sep 22, 2026: 4.07% APYSep 22, 2026Oct 13, 2026
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
1725 Sullivan Dr, Bogalusa, LA 70427
12 Month IRA
$250
4.06% ▲ 0.55% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.51%▲ 0.55% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 24, 2026: 3.80% APYOct 8, 2026: 4.06% APYSep 24, 2026Oct 13, 2026
  • Oct 8, 20264.06%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
1 Year Share Certificates
$0
4.05% ▲ 0.54% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 0.54% above avgNationally 2.99%
Details

Balance: $1,000 and up; Step-Up Option column lists three 'Available' entries; row alignment not explicit on page

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYSep 17, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
12 Month Starter Certificate
$0
4.05% ▲ 0.54% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 0.54% above avgNationally 2.99%
Details

Dividends are compounded and paid monthly on the average daily balance; funds may be added through payroll

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYSep 17, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
IRA Certificate - 1 year
$0
4.05% ▲ 0.54% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 0.54% above avgNationally 2.99%
Details

Individual Retirement Accounts (IRA)

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYSep 17, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus Certificates - 12 Month
$0
4.02% ▲ 0.51% above Louisiana avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 0.51% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus IRA Certificates - 12 Month
$0
4.02% ▲ 0.51% above Louisiana avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 0.51% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
1-year online CDs
$0
4.00% ▲ 0.49% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.51%▲ 0.49% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
12 Month Certificate
$0
4.00% ▲ 0.49% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.51%▲ 0.49% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1770 S 5th St Ste A, Leesville, LA 71446 5342
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.49% above Louisiana avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.51%▲ 0.49% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
2201 Veterans Memorial Blvd, Metairie, LA 70002
12 month CD
$1,000
4.00% ▲ 0.49% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.51%▲ 0.49% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
1725 Sullivan Dr, Bogalusa, LA 70427
12 Month CD
$2,500
4.00% ▲ 0.49% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.51%▲ 0.49% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 24, 2026: 3.75% APYOct 8, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 3.75%
  • Sep 24, 20263.75%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
12-Month Regular Certificate or IRA Certificate
$2,000
4.00% ▲ 0.49% above Louisiana avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.51%▲ 0.49% above avgNationally 2.99%
Details

Deposit: $2,000-$9,999

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
12 Month Share Certificates
$500
4.00% ▲ 0.49% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.51%▲ 0.49% above avgNationally 2.99%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1221 Elmwood Park Blvd, Harahan, LA 70123
Jumbo Share Certificates - 12 Months
$50,000
4.00% ▲ 0.49% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 0.49% above avgNationally 2.99%
Details

Minimum balance to open is $50,000

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
1 Year IRA Certificate
$500
3.95% ▲ 0.44% above Louisiana avg
View
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.51%▲ 0.44% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 24, 2026: 3.70% APYOct 11, 2026: 3.95% APYSep 24, 2026Oct 13, 2026
  • Oct 11, 20263.95%▲ from 3.70%
  • Sep 24, 20263.70%first recorded
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
12 Month Business Certificates of Deposit
$2,500
3.95% ▲ 0.44% above Louisiana avg
View
▼
Rate3.89%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.51%▲ 0.44% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.95% ▲ 0.40 pts · high 3.95% / low 3.55%
3.05%3.75%4.45%Sep 14, 2026: 3.55% APYSep 24, 2026: 3.70% APYOct 11, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 11, 20263.95%▲ from 3.70%
  • Sep 24, 20263.70%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
12 Month Certificates of Deposit
$2,500
3.95% ▲ 0.44% above Louisiana avg
View
▼
Rate3.89%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.51%▲ 0.44% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 24, 2026: 3.70% APYOct 11, 2026: 3.95% APYSep 24, 2026Oct 13, 2026
  • Oct 11, 20263.95%▲ from 3.70%
  • Sep 24, 20263.70%first recorded
Access Of Louisiana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
4400 Maplewood Dr, Sulphur, LA 70663
1 Year Silver Share Certificates
$500
3.91% ▲ 0.40% above Louisiana avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.51%▲ 0.40% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 13, 2026
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
4361 Youree Dr, Shreveport, LA 71105
12-Month Share & IRA Certificate
$1,000
3.90% ▲ 0.39% above Louisiana avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.51%▲ 0.39% above avgNationally 2.99%
Details

Share & IRA Certificate; fixed rate

Rate History
No change since Oct 12, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 12, 2026: 3.90% APYOct 12, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
12 Month IRA Certificates
$0
3.86% ▲ 0.35% above Louisiana avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 0.35% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.86% APY · checked 3 times
3.36%3.86%4.36%Oct 5, 2026: 3.86% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Certificates - 12 Month
$0
3.86% ▲ 0.35% above Louisiana avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 0.35% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.79% → 3.86% ▲ 0.07 pts · high 3.86% / low 3.79%
3.29%3.82%4.36%Sep 14, 2026: 3.79% APYSep 25, 2026: 3.81% APYOct 5, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Certificates - YOUth Boost 12-Month
$0
3.86% ▲ 0.35% above Louisiana avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 0.35% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.86% APY
3.36%3.86%4.36%Oct 13, 2026: 3.86% APYOct 13, 2026Oct 13, 2026
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2430 S Burnside Ave, Gonzales, LA 70737 4645
Share Certificate 12 Months
$0
3.86% ▲ 0.35% above Louisiana avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 0.35% above avgNationally 2.99%
Details

Share Certificate

Rate History
No change since Sep 14, 2026 · 3.86% APY · checked 6 times
3.36%3.86%4.36%Sep 14, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
123 N Oak St, Hammond, LA 70401
12 Month Certificate
$500
3.85% ▲ 0.34% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.51%▲ 0.34% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.85% ▲ 0.55 pts · high 3.85% / low 3.30%
2.75%3.58%4.40%Sep 14, 2026: 3.30% APYOct 7, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
Super Saver Share Certificate - 1 Year
$100,000
3.85% ▲ 0.34% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.51%▲ 0.34% above avgNationally 2.99%
Details

Effective Date: 10/09/2026; Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.85% ▲ 0.50 pts · high 3.85% / low 3.35%
2.85%3.60%4.35%Sep 14, 2026: 3.35% APYOct 13, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5445 POINT CLAIR RD, CARVILLE, LA 70721
12-Month CD (High Yield)
$100,000
3.85% ▲ 0.34% above Louisiana avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.51%▲ 0.34% above avgNationally 2.99%
Details

Pays Monthly

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
12 Month Certificate Accounts
$500
3.83% ▲ 0.32% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.51%▲ 0.32% above avgNationally 2.99%
Details

Dividends credited quarterly

Rate History
No change since Oct 4, 2026 · 3.83% APY · checked 3 times
3.33%3.83%4.33%Oct 4, 2026: 3.83% APYOct 4, 2026Oct 13, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
12 Month Jumbo Certificate Accounts
$0
3.83% ▲ 0.32% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.51%▲ 0.32% above avgNationally 2.99%
Details

Term: 12 months-Dividends credited quarterly

Rate History
1 change since Sep 20, 2026 · 3.55% → 3.83% ▲ 0.28 pts · high 3.83% / low 3.55%
3.05%3.69%4.33%Sep 20, 2026: 3.55% APYOct 4, 2026: 3.83% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.83%▲ from 3.55%
  • Sep 20, 20263.55%first recorded
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
Share Certificates - 12 Months (1 Year)
$0
3.82% ▲ 0.31% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.51%▲ 0.31% above avgNationally 2.99%
Details

Days: 365 - 546

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026

Louisiana 18 Month CD Rates

MonitorBankRates Louisiana Average · 18 Month CD3.46% APY▲ 0.04% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Louisiana is 3.46% APY, compared with 2.87% nationally, as of October 13, 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
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
18-Month Regular Certificate or IRA Certificate
$10,000
4.45% ▲ 0.99% above Louisiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.99% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 8, 2026: 4.45% APYOct 8, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
18 Month Share Certificate
$100,000
4.35% ▲ 0.89% above Louisiana avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.46%▲ 0.89% above avgNationally 2.87%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
3.15%4.05%4.95%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
380 S Franklin St, Bastrop, LA 71220
IRA Certificate 18 Months
$500
4.33% ▲ 0.87% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.87% above avgNationally 2.87%
Details

Dividends Credited/Compounded: Monthly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 12, 2026: 4.33% APYOct 12, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
18 Month 360 CDs
$0
4.30% ▲ 0.84% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.46%▲ 0.84% above avgNationally 2.87%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
18 Month Share Certificate
$500
4.25% ▲ 0.79% above Louisiana avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.46%▲ 0.79% above avgNationally 2.87%
Details

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
18 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 0.69% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.46%▲ 0.69% above avgNationally 2.87%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
18 Month View Today's Full List of CD Offerings here
$100,000
4.10% ▲ 0.64% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.46%▲ 0.64% above avgNationally 2.87%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 13, 2026
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1420 Natchitoches St, West Monroe, LA 71292
18-Month IRA
$2,000
4.07% ▲ 0.61% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.61% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
18 Month View Today's Full List of CD Offerings here
$100,000
4.05% ▲ 0.59% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.46%▲ 0.59% above avgNationally 2.87%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
4361 Youree Dr, Shreveport, LA 71105
18-Month Share & IRA Certificate
$1,000
4.05% ▲ 0.59% above Louisiana avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.59% above avgNationally 2.87%
Details

Share & IRA Certificate; fixed rate

Rate History
No change since Oct 12, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 12, 2026: 4.05% APYOct 12, 2026Oct 13, 2026
First American Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2785 Highway 20, Vacherie, LA 70090
18 Month CD
$0
4.02% ▲ 0.56% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.46%▲ 0.56% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 4.02% APY · checked 6 times
3.52%4.02%4.52%Sep 24, 2026: 4.02% APYSep 24, 2026Oct 13, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
639 Loyola Ave Ste 220, New Orleans, LA 70113 3130
Regular Certificates - 18-month
$0
3.90% ▲ 0.44% above Louisiana avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.46%▲ 0.44% above avgNationally 2.87%
Details

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
123 N Oak St, Hammond, LA 70401
18 Month Certificate
$500
3.85% ▲ 0.39% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.46%▲ 0.39% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
2.25%3.45%4.65%Sep 14, 2026: 3.05% APYOct 7, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
18 Month Jumbo IRA Certificates
$100,000
3.85% ▲ 0.39% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.39% above avgNationally 2.87%
Details

Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 20, 2026: 3.85% APYSep 20, 2026Oct 13, 2026
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
1091 Thomas Rd, West Monroe, LA 71292 5821
Business Share Certificate - 18 Months
$0
3.85% ▲ 0.39% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.46%▲ 0.39% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
2.65%3.55%4.45%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
1091 Thomas Rd, West Monroe, LA 71292 5821
IRA Certificate - 18 Months
$0
3.85% ▲ 0.39% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.46%▲ 0.39% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
2.65%3.55%4.45%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
1091 Thomas Rd, West Monroe, LA 71292 5821
Regular Certificate - 18 Months
$0
3.85% ▲ 0.39% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.46%▲ 0.39% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
2.65%3.55%4.45%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
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% ▲ 0.34% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.46%▲ 0.34% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
18 Month View Today's Full List of CD Offerings here
$100,000
3.80% ▲ 0.34% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.46%▲ 0.34% above avgNationally 2.87%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8400 Mansfield Rd, Shreveport, LA 71108
18 Month Share Certificate
$0
3.80% ▲ 0.34% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.34% above avgNationally 2.87%
Details

Rate History
1 change since Sep 12, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 12, 2026: 3.70% APYOct 12, 2026: 3.80% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.80%▲ from 3.70%
  • Sep 12, 20263.70%first recorded
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8400 Mansfield Rd, Shreveport, LA 71108
Share Certificate - 18 month
$0
3.80% ▲ 0.34% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.34% above avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
2235 S College Rd, Lafayette, LA 70508
18-Month Certificate
$0
3.80% ▲ 0.34% above Louisiana avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.46%▲ 0.34% above avgNationally 2.87%
Details

Share Certificate; Dividend/Interest Rate 3.74%, APY 3.80%

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
2235 S College Rd, Lafayette, LA 70508
Share Certificates - 18-Month Certificate
$1,000
3.80% ▲ 0.34% above Louisiana avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.46%▲ 0.34% above avgNationally 2.87%
Details

Minimum deposit $1,000.00

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026
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
3.75% ▲ 0.29% above Louisiana avg
View
▼
Rate3.70%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.46%▲ 0.29% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYSep 24, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
18 Month Certificates of Deposit
$2,500
3.75% ▲ 0.29% above Louisiana avg
View
▼
Rate3.70%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.46%▲ 0.29% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
18 Month IRA Certificate
$500
3.75% ▲ 0.29% above Louisiana avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.46%▲ 0.29% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
18 Month IRA Certificates
$500
3.75% ▲ 0.29% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.29% above avgNationally 2.87%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
18 Month Jumbo Certificates
$100,000
3.75% ▲ 0.29% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.29% above avgNationally 2.87%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 13, 2026
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1221 Elmwood Park Blvd, Harahan, LA 70123
IRA Share Certificates - 18 Months
$20
3.75% ▲ 0.29% above Louisiana avg
View
▼
Rate3.69%
Min Deposit$20
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.46%▲ 0.29% above avgNationally 2.87%
Details

Minimum balance to open is $20

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1770 S 5th St Ste A, Leesville, LA 71446 5342
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.24% above Louisiana avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.46%▲ 0.24% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
18 Month View Today's Full List of CD Offerings here
$100,000
3.70% ▲ 0.24% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.46%▲ 0.24% above avgNationally 2.87%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
13800 Old Gentilly Rd Bldg 101, New Orleans, LA 70129
18 Month CD
$0
3.66% ▲ 0.20% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.20% above avgNationally 2.87%
Details

Rate History
No change since Sep 25, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 25, 2026: 3.66% APYSep 25, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
18 Month View Today's Full List of CD Offerings here
$200,000
3.65% ▲ 0.19% above Louisiana avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.46%▲ 0.19% above avgNationally 2.87%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
18 Month Share Certificates
$500
3.65% ▲ 0.19% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.19% above avgNationally 2.87%
Details

Rate History
No change since Sep 20, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 20, 2026: 3.65% APYSep 20, 2026Oct 13, 2026
BRECO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
Term Share Certificates & IRAs - 18 Months
$0
3.65% ▲ 0.19% above Louisiana avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.46%▲ 0.19% above avgNationally 2.87%
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

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
Share Certificates - 18 Months
$0
3.64% ▲ 0.18% above Louisiana avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.18% above avgNationally 2.87%
Details

Days: 547 - 729

Rate History
No change since Oct 12, 2026 · 3.64% APY
3.14%3.64%4.14%Oct 12, 2026: 3.64% APYOct 12, 2026Oct 13, 2026
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
433 Metairie Rd, Metairie, LA 70005
18 Month Share Certificate
$0
3.61% ▲ 0.15% above Louisiana avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.15% above avgNationally 2.87%
Details

A $500 deposit is required to open a Share Certificate

Rate History
No change since Sep 20, 2026 · 3.61% APY · checked 5 times
3.11%3.61%4.11%Sep 20, 2026: 3.61% APYSep 20, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
18 Month Certificate
$0
3.60% ▲ 0.14% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.46%▲ 0.14% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
1725 Sullivan Dr, Bogalusa, LA 70427
18 Month IRA
$250
3.55% ▲ 0.09% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.09% above avgNationally 2.87%
Details

Rate History
1 change since Sep 24, 2026 · 3.29% → 3.55% ▲ 0.26 pts · high 3.55% / low 3.29%
2.79%3.42%4.05%Sep 24, 2026: 3.29% APYOct 8, 2026: 3.55% APYSep 24, 2026Oct 13, 2026
  • Oct 8, 20263.55%▲ from 3.29%
  • Sep 24, 20263.29%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
18 Month View Today's Full List of CD Offerings here
$100,000
3.50% ▲ 0.04% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.46%▲ 0.04% above avgNationally 2.87%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
1725 Sullivan Dr, Bogalusa, LA 70427
18 Month CD
$2,500
3.50% ▲ 0.04% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.04% above avgNationally 2.87%
Details

Rate History
1 change since Sep 24, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 24, 2026: 3.25% APYOct 8, 2026: 3.50% APYSep 24, 2026Oct 13, 2026
  • Oct 8, 20263.50%▲ from 3.25%
  • Sep 24, 20263.25%first recorded
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
18 Month Certificate Accounts
$1,000
3.50% ▲ 0.04% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.04% above avgNationally 2.87%
Details

Dividends credited quarterly

Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 4, 2026: 3.50% APYOct 4, 2026Oct 13, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
18 Month Jumbo Certificate Accounts
$0
3.50% ▲ 0.04% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.04% above avgNationally 2.87%
Details

Term: 18 months-Dividends credited quarterly

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 13, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
IRA Certificate 18 Months
$0
3.50% ▲ 0.04% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.46%▲ 0.04% above avgNationally 2.87%
Details

Dividends credited quarterly

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 13, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
2739 W Church St, Hammond, LA 70401
18 Month Certificates of Deposit
$500
3.50% ▲ 0.04% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.46%▲ 0.04% above avgNationally 2.87%
Details

Dividends Paid: Monthly

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 13, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
2739 W Church St, Hammond, LA 70401
Certificate of Deposit - 18 months
$500
3.50% ▲ 0.04% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.46%▲ 0.04% above avgNationally 2.87%
Details

Dividends paid monthly; Penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
21925 Highway 1, Plaquemine, LA 70764 5132
18-month Certificates
$0
3.50% ▲ 0.04% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.46%▲ 0.04% above avgNationally 2.87%
Details

See all Certificate Rates

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Jumbo Certificates - 18 months
$0
3.49% ▲ 0.03% above Louisiana avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.46%▲ 0.03% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.28% → 3.49% ▲ 0.21 pts · high 3.49% / low 3.28%
2.78%3.39%3.99%Sep 18, 2026: 3.28% APYOct 1, 2026: 3.49% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.49%▲ from 3.28%
  • Sep 18, 20263.28%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
4440 Nelson Rd, Lake Charles, LA 70605
18 Month Certificate
$0
3.46% At Louisiana avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.46%At the averageNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.46% APY · checked 5 times
2.96%3.46%3.96%Sep 24, 2026: 3.46% APYSep 24, 2026Oct 13, 2026
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4626 Highway 1, Raceland, LA 70394
18 Month Certificate
$1,000
3.41% ▼ 0.05% below Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.46%▼ 0.05% below avgNationally 2.87%
Details

Interest on CDs longer than 12 months will be paid annually. CDs opened online have a maximum deposit limit of $500,000.

Rate History
No change since Sep 11, 2026 · 3.41% APY · checked 6 times
2.91%3.41%3.91%Sep 11, 2026: 3.41% APYSep 11, 2026Oct 13, 2026

Louisiana 24 Month CD Rates

MonitorBankRates Louisiana Average · 24 Month CD3.30% APY▲ 0.08% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Louisiana is 3.30% APY, compared with 2.88% nationally, as of October 13, 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: 7.78%
1726 Oretha Castle Haley Blvd, New Orleans, LA 70113 1313
24 Month Share Certificates (CDs) - Jumbo
$1,000
4.82% ▲ 1.52% above Louisiana avg
View
▼
Rate4.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 1.52% above avgNationally 2.88%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.82% APY
4.32%4.82%5.32%Oct 13, 2026: 4.82% APYOct 13, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
2-Year Regular Certificate or IRA Certificate
$10,000
4.50% ▲ 1.20% above Louisiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.30%▲ 1.20% above avgNationally 2.88%
Details

Deposit: $10,000+

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 13, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Individual Retirement Accounts (IRAs) - Certificate Account
$20,000
4.45% ▲ 1.15% above Louisiana avg
View
▼
RateN/A
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 1.15% above avgNationally 2.88%
Details

Traditional & Roth IRA; Dividend Credited: Monthly; APY with La Cap Checking

Rate History
No change since Oct 13, 2026 · 4.45% APY
3.95%4.45%4.95%Oct 13, 2026: 4.45% APYOct 13, 2026Oct 13, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Individual Retirement Accounts (IRAs) - Certificate Account
$650
4.35% ▲ 1.05% above Louisiana avg
View
▼
RateN/A
Min Deposit$650
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 1.05% above avgNationally 2.88%
Details

Traditional & Roth IRA; Dividend Credited: Monthly; APY with La Cap Checking

Rate History
No change since Oct 13, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 13, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Super Saver Share Certificate
$100,000
4.35% ▲ 1.05% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 1.05% above avgNationally 2.88%
Details

APY with La Cap Checking; Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More)

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.35% ▲ 0.90 pts · high 4.35% / low 3.45%
2.55%3.90%5.25%Sep 14, 2026: 3.45% APYOct 13, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
24 Month Share Certificate
$100,000
4.35% ▲ 1.05% above Louisiana avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 1.05% above avgNationally 2.88%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
3.25%4.07%4.90%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1420 Natchitoches St, West Monroe, LA 71292
24-Month IRA
$2,000
4.33% ▲ 1.03% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.30%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 6 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
24 Month 360 CDs
$0
4.30% ▲ 1.00% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.30%▲ 1.00% above avgNationally 2.88%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
919 Washington St, Franklinton, LA 70438
24-month CD
$0
4.25% ▲ 0.95% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.30%▲ 0.95% above avgNationally 2.88%
Details

Save on your terms with a guaranteed rate of return on a Certificate of Deposit.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
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% ▲ 0.95% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.30%▲ 0.95% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
2 Year Youth Certificate
$1,000
4.25% ▲ 0.95% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.30%▲ 0.95% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
2-Year Regular Certificate or IRA Certificate
$2,000
4.25% ▲ 0.95% above Louisiana avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.30%▲ 0.95% above avgNationally 2.88%
Details

Deposit: $2,000-$9,999

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
24 Month Certificate Accounts
$1,000
4.25% ▲ 0.95% above Louisiana avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.30%▲ 0.95% above avgNationally 2.88%
Details

Dividends credited quarterly

Rate History
1 change since Sep 20, 2026 · 3.40% → 4.25% ▲ 0.85 pts · high 4.25% / low 3.40%
2.55%3.82%5.10%Sep 20, 2026: 3.40% APYOct 4, 2026: 4.25% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 3.40%
  • Sep 20, 20263.40%first recorded
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
24 Month Jumbo Certificate Accounts
$0
4.25% ▲ 0.95% above Louisiana avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.30%▲ 0.95% above avgNationally 2.88%
Details

Term: 24 months-Dividends credited quarterly

Rate History
1 change since Sep 20, 2026 · 3.40% → 4.25% ▲ 0.85 pts · high 4.25% / low 3.40%
2.55%3.82%5.10%Sep 20, 2026: 3.40% APYOct 4, 2026: 4.25% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 3.40%
  • Sep 20, 20263.40%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
24 Month Share Certificate
$500
4.25% ▲ 0.95% above Louisiana avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 0.95% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
24 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 0.90% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.30%▲ 0.90% above avgNationally 2.88%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
24 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 0.85% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.30%▲ 0.85% above avgNationally 2.88%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
7288 Highway 509, Mansfield, LA 71052
24 Month Share Certificate/IRA Share Certificate
$1,000
4.15% ▲ 0.85% above Louisiana avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.30%▲ 0.85% above avgNationally 2.88%
Details

Minimum opening deposit is $1,000; Rates effective as of 10/6/2026

Rate History
No change since Oct 12, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 12, 2026: 4.15% APYOct 12, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
24 Month View Today's Full List of CD Offerings here
$100,000
4.10% ▲ 0.80% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.30%▲ 0.80% above avgNationally 2.88%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 13, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
2-Year Certificate
$500
4.10% ▲ 0.80% above Louisiana avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.30%▲ 0.80% above avgNationally 2.88%
Details

Penalties for early withdrawals may apply. Fees may reduce earnings on the account.

Rate History
1 change since Sep 25, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 25, 2026: 4.05% APYOct 4, 2026: 4.10% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.10%▲ from 4.05%
  • Sep 25, 20264.05%first recorded
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
4361 Youree Dr, Shreveport, LA 71105
24-Month Share & IRA Certificate
$1,000
4.10% ▲ 0.80% above Louisiana avg
View
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.30%▲ 0.80% above avgNationally 2.88%
Details

Share & IRA Certificate; fixed rate

Rate History
No change since Oct 12, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 12, 2026: 4.10% APYOct 12, 2026Oct 13, 2026
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate - 24-Month
$1,000
4.07% ▲ 0.77% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 0.77% above avgNationally 2.88%
Details

Rate tier: Base Rate + 1.25%; Dividends paid monthly

Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 18, 2026: 4.07% APYSep 18, 2026Oct 13, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Individual Retirement Accounts (IRAs) - Certificate Account
$20,000
4.05% ▲ 0.75% above Louisiana avg
View
▼
RateN/A
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 0.75% above avgNationally 2.88%
Details

Traditional & Roth IRA; Dividend Credited: Monthly; Standard APY (without La Cap Checking)

Rate History
No change since Oct 13, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus Certificates - 24 Month
$0
4.02% ▲ 0.72% above Louisiana avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 0.72% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus IRA Certificates - 24 Month
$0
4.02% ▲ 0.72% above Louisiana avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 0.72% above avgNationally 2.88%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Individual Retirement Accounts (IRAs) - Certificate Account
$650
3.95% ▲ 0.65% above Louisiana avg
View
▼
RateN/A
Min Deposit$650
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 0.65% above avgNationally 2.88%
Details

Traditional & Roth IRA; Dividend Credited: Monthly; Standard APY (without La Cap Checking)

Rate History
No change since Oct 13, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 13, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Super Saver Share Certificate
$100,000
3.95% ▲ 0.65% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 0.65% above avgNationally 2.88%
Details

Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More)

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
2.95%3.70%4.45%Sep 14, 2026: 3.45% APYOct 13, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.95%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
Super Saver Share Certificate - 2 Years
$100,000
3.95% ▲ 0.65% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 0.65% above avgNationally 2.88%
Details

Effective Date: 10/09/2026; Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
2.95%3.70%4.45%Sep 14, 2026: 3.45% APYOct 13, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.95%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
24 Month View Today's Full List of CD Offerings here
$100,000
3.90% ▲ 0.60% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.30%▲ 0.60% above avgNationally 2.88%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 13, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Mega Saver Share Certificate with One-time Bump
$100,000
3.90% ▲ 0.60% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 0.60% above avgNationally 2.88%
Details

Effective Date: 10/09/2026; Dividends credited monthly; Membership required and subject to approval; Minimum opening deposit $100,000.00; Additional deposits not allowed during term; Substantial penalty for early withdrawal; One-time dividend rate adjustment permitted during term

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
2.90%3.65%4.40%Sep 14, 2026: 3.40% APYOct 13, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.90%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
1091 Thomas Rd, West Monroe, LA 71292 5821
Business Share Certificate - 24 Months
$0
3.90% ▲ 0.60% above Louisiana avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.30%▲ 0.60% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
2.60%3.58%4.55%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
1091 Thomas Rd, West Monroe, LA 71292 5821
IRA Certificate - 24 Months
$0
3.90% ▲ 0.60% above Louisiana avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.30%▲ 0.60% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
2.60%3.58%4.55%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
1091 Thomas Rd, West Monroe, LA 71292 5821
Regular Certificate - 24 Months
$0
3.90% ▲ 0.60% above Louisiana avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.30%▲ 0.60% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
2.60%3.58%4.55%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Jumbo Certificates - 2 years
$0
3.89% ▲ 0.59% above Louisiana avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.30%▲ 0.59% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.89% ▲ 0.29 pts · high 3.89% / low 3.60%
3.10%3.75%4.39%Sep 18, 2026: 3.60% APYOct 1, 2026: 3.89% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.89%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Certificates - 24 Month
$0
3.86% ▲ 0.56% above Louisiana avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 0.56% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
3.30%3.83%4.36%Sep 14, 2026: 3.80% APYSep 25, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
24 Month Jumbo IRA Certificates
$100,000
3.85% ▲ 0.55% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.30%▲ 0.55% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 20, 2026: 3.85% APYSep 20, 2026Oct 13, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Thrifty Saver Share Certificate
$1,000
3.85% ▲ 0.55% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 0.55% above avgNationally 2.88%
Details

Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.85% ▲ 0.50 pts · high 3.85% / low 3.35%
2.85%3.60%4.35%Sep 14, 2026: 3.35% APYOct 13, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
380 S Franklin St, Bastrop, LA 71220
IRA Certificate 24 Months
$500
3.82% ▲ 0.52% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.30%▲ 0.52% above avgNationally 2.88%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
24 Month IRA Certificates
$0
3.82% ▲ 0.52% above Louisiana avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 0.52% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.82% ▲ 0.01 pts · high 3.82% / low 3.81%
3.31%3.82%4.32%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.82% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.82%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate - 24-Month
$1,000
3.82% ▲ 0.52% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 0.52% above avgNationally 2.88%
Details

Rate tier: Base Rate + 1.00%; Dividends paid monthly

Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 18, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
13800 Old Gentilly Rd Bldg 101, New Orleans, LA 70129
24 Month CD
$0
3.81% ▲ 0.51% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.30%▲ 0.51% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 4 times
3.32%3.81%4.31%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Junior Jumbo Certificates - 2 years
$0
3.78% ▲ 0.48% above Louisiana avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.30%▲ 0.48% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.49% → 3.78% ▲ 0.29 pts · high 3.78% / low 3.49%
2.99%3.64%4.28%Sep 18, 2026: 3.49% APYOct 1, 2026: 3.78% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.78%▲ from 3.49%
  • Sep 18, 20263.49%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
24 Month View Today's Full List of CD Offerings here
$100,000
3.75% ▲ 0.45% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.30%▲ 0.45% above avgNationally 2.88%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
24 Month IRA Certificates
$500
3.75% ▲ 0.45% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.30%▲ 0.45% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
24 Month Jumbo Certificates
$100,000
3.75% ▲ 0.45% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.30%▲ 0.45% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 13, 2026
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
2 Year Share Certificates
$0
3.75% ▲ 0.45% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 0.45% above avgNationally 2.88%
Details

Balance: $1,000 and up; Step-Up Option column lists three 'Available' entries; row alignment not explicit on page

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYSep 17, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Sep 17, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
IRA Certificate - 2 years
$0
3.75% ▲ 0.45% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 0.45% above avgNationally 2.88%
Details

Individual Retirement Accounts (IRA)

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYSep 17, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Sep 17, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
1725 Sullivan Dr, Bogalusa, LA 70427
24 Month IRA
$250
3.70% ▲ 0.40% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.30%▲ 0.40% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 3.44% → 3.70% ▲ 0.26 pts · high 3.70% / low 3.44%
2.94%3.57%4.20%Sep 24, 2026: 3.44% APYOct 8, 2026: 3.70% APYSep 24, 2026Oct 13, 2026
  • Oct 8, 20263.70%▲ from 3.44%
  • Sep 24, 20263.44%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Certificates - 2 years
$0
3.68% ▲ 0.38% above Louisiana avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.30%▲ 0.38% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.39% → 3.68% ▲ 0.29 pts · high 3.68% / low 3.39%
2.89%3.54%4.18%Sep 18, 2026: 3.39% APYOct 1, 2026: 3.68% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.68%▲ from 3.39%
  • Sep 18, 20263.39%first recorded
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2430 S Burnside Ave, Gonzales, LA 70737 4645
Share Certificate 24 Months
$0
3.67% ▲ 0.37% above Louisiana avg
View
▼
Rate3.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.30%▲ 0.37% above avgNationally 2.88%
Details

Share Certificate

Rate History
No change since Sep 14, 2026 · 3.67% APY · checked 6 times
3.17%3.67%4.17%Sep 14, 2026: 3.67% APYSep 14, 2026Oct 13, 2026

Louisiana 36 Month CD Rates

MonitorBankRates Louisiana Average · 36 Month CD3.18% APY▲ 0.08% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Louisiana is 3.18% APY, compared with 2.81% nationally, as of October 13, 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: 7.78%
1726 Oretha Castle Haley Blvd, New Orleans, LA 70113 1313
36 Month Share Certificates (CDs) - Jumbo
$1,000
4.93% ▲ 1.75% above Louisiana avg
View
▼
Rate4.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.18%▲ 1.75% above avgNationally 2.81%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.93% APY
4.43%4.93%5.43%Oct 13, 2026: 4.93% APYOct 13, 2026Oct 13, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
3 Year Super Saver Share Certificate
$100,000
4.45% ▲ 1.27% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.18%▲ 1.27% above avgNationally 2.81%
Details

APY with La Cap Checking; Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More)

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.45% ▲ 0.90 pts · high 4.45% / low 3.55%
2.65%4.00%5.35%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.45% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.45%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
36 Month Share Certificate
$100,000
4.40% ▲ 1.22% above Louisiana avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.18%▲ 1.22% above avgNationally 2.81%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
36 Month 360 CDs
$0
4.30% ▲ 1.12% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.18%▲ 1.12% above avgNationally 2.81%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
36 Month Share Certificate
$500
4.30% ▲ 1.12% above Louisiana avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.18%▲ 1.12% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
36 Month View Today's Full List of CD Offerings here
$100,000
4.25% ▲ 1.07% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.18%▲ 1.07% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
3-Year Regular Certificate or IRA Certificate
$10,000
4.25% ▲ 1.07% above Louisiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.18%▲ 1.07% above avgNationally 2.81%
Details

Deposit: $10,000+

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
7288 Highway 509, Mansfield, LA 71052
36 Month Share Certificate/IRA Share Certificate
$1,000
4.25% ▲ 1.07% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.18%▲ 1.07% above avgNationally 2.81%
Details

Minimum opening deposit is $1,000; Rates effective as of 10/6/2026

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Jumbo Certificates - 3 years
$0
4.24% ▲ 1.06% above Louisiana avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.18%▲ 1.06% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.24% ▲ 0.33 pts · high 4.24% / low 3.91%
3.41%4.08%4.74%Sep 18, 2026: 3.91% APYOct 1, 2026: 4.24% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.24%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
36 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 1.02% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.18%▲ 1.02% above avgNationally 2.81%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1770 S 5th St Ste A, Leesville, LA 71446 5342
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 0.97% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.18%▲ 0.97% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
36 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 0.97% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.18%▲ 0.97% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
3-Year Certificate
$500
4.15% ▲ 0.97% above Louisiana avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.18%▲ 0.97% above avgNationally 2.81%
Details

Penalties for early withdrawals may apply. Fees may reduce earnings on the account.

Rate History
1 change since Sep 25, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10%
3.60%4.13%4.65%Sep 25, 2026: 4.10% APYOct 4, 2026: 4.15% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.15%▲ from 4.10%
  • Sep 25, 20264.10%first recorded
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
4361 Youree Dr, Shreveport, LA 71105
36-Month Share & IRA Certificate
$1,000
4.15% ▲ 0.97% above Louisiana avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.18%▲ 0.97% above avgNationally 2.81%
Details

Share & IRA Certificate; fixed rate

Rate History
No change since Oct 12, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 12, 2026: 4.15% APYOct 12, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Junior Jumbo Certificates - 3 years
$0
4.14% ▲ 0.96% above Louisiana avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.18%▲ 0.96% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.14% ▲ 0.34 pts · high 4.14% / low 3.80%
3.30%3.97%4.64%Sep 18, 2026: 3.80% APYOct 1, 2026: 4.14% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.14%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1770 S 5th St Ste A, Leesville, LA 71446 5342
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 0.92% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.18%▲ 0.92% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
36 Month View Today's Full List of CD Offerings here
$100,000
4.10% ▲ 0.92% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.18%▲ 0.92% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 13, 2026
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
13800 Old Gentilly Rd Bldg 101, New Orleans, LA 70129
36 Month CD
$0
4.07% ▲ 0.89% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.18%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 25, 2026: 4.07% APYSep 25, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
36 Month View Today's Full List of CD Offerings here
$100,000
4.05% ▲ 0.87% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.18%▲ 0.87% above avgNationally 2.81%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
3 Year Super Saver Share Certificate
$100,000
4.05% ▲ 0.87% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.18%▲ 0.87% above avgNationally 2.81%
Details

Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More)

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.05%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
Super Saver Share Certificate - 3 Years
$100,000
4.05% ▲ 0.87% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.18%▲ 0.87% above avgNationally 2.81%
Details

Effective Date: 10/09/2026; Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.05%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Certificates - 3 years
$0
4.03% ▲ 0.85% above Louisiana avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.18%▲ 0.85% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.03% ▲ 0.33 pts · high 4.03% / low 3.70%
3.20%3.87%4.53%Sep 18, 2026: 3.70% APYOct 1, 2026: 4.03% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.03%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus Certificates - 36 Month
$0
4.02% ▲ 0.84% above Louisiana avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.18%▲ 0.84% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus IRA Certificates - 36 Month
$0
4.02% ▲ 0.84% above Louisiana avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.18%▲ 0.84% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
36 Month View Today's Full List of CD Offerings here
$100,000
4.00% ▲ 0.82% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.18%▲ 0.82% above avgNationally 2.81%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
3-Year Regular Certificate or IRA Certificate
$2,000
4.00% ▲ 0.82% above Louisiana avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.18%▲ 0.82% above avgNationally 2.81%
Details

Deposit: $2,000-$9,999

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
3 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.00% ▲ 0.82% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.18%▲ 0.82% above avgNationally 2.81%
Details

Effective Date: 10/09/2026; Dividends credited monthly; Membership required and subject to approval; Minimum opening deposit $100,000.00; Additional deposits not allowed during term; Substantial penalty for early withdrawal; One-time dividend rate adjustment permitted during term

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 13, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
1091 Thomas Rd, West Monroe, LA 71292 5821
Business Share Certificate - 36 Months
$0
4.00% ▲ 0.82% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.18%▲ 0.82% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
1091 Thomas Rd, West Monroe, LA 71292 5821
IRA Certificate - 36 Months
$0
4.00% ▲ 0.82% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.18%▲ 0.82% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
1091 Thomas Rd, West Monroe, LA 71292 5821
Regular Certificate - 36 Months
$0
4.00% ▲ 0.82% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.18%▲ 0.82% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
3 Year Thrifty Saver Share Certificate
$500
3.95% ▲ 0.77% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.18%▲ 0.77% above avgNationally 2.81%
Details

Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
2.95%3.70%4.45%Sep 14, 2026: 3.45% APYOct 13, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.95%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
36 Month Jumbo IRA Certificates
$100,000
3.90% ▲ 0.72% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.18%▲ 0.72% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 20, 2026: 3.90% APYSep 20, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
36 Month IRA Certificates
$0
3.86% ▲ 0.68% above Louisiana avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.18%▲ 0.68% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
3.31%3.84%4.36%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Certificates - 36 Month
$0
3.86% ▲ 0.68% above Louisiana avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.18%▲ 0.68% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
3.26%3.81%4.36%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
380 S Franklin St, Bastrop, LA 71220
IRA Certificate 36 Months
$500
3.82% ▲ 0.64% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.18%▲ 0.64% above avgNationally 2.81%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
36 Month View Today's Full List of CD Offerings here
$100,000
3.80% ▲ 0.62% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.18%▲ 0.62% above avgNationally 2.81%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
36 Month IRA Certificates
$500
3.80% ▲ 0.62% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.18%▲ 0.62% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
36 Month Jumbo Certificates
$100,000
3.80% ▲ 0.62% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.18%▲ 0.62% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 13, 2026
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% ▲ 0.52% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.18%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
3 Year Certificates of Deposit
$2,500
3.70% ▲ 0.52% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.18%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 24, 2026: 3.70% APYSep 24, 2026Oct 13, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
3 Year IRA Certificate
$500
3.70% ▲ 0.52% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.18%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 24, 2026: 3.70% APYSep 24, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
36 Month Share Certificates
$500
3.70% ▲ 0.52% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.18%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 20, 2026: 3.70% APYSep 20, 2026Oct 13, 2026
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
3 Year Share Certificates
$0
3.70% ▲ 0.52% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.18%▲ 0.52% above avgNationally 2.81%
Details

Balance: $1,000 and up; Step-Up Option column lists three 'Available' entries; row alignment not explicit on page

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Sep 14, 2026: 3.60% APYSep 17, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Sep 17, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
IRA Certificate - 3 years
$0
3.70% ▲ 0.52% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.18%▲ 0.52% above avgNationally 2.81%
Details

Individual Retirement Accounts (IRA)

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Sep 14, 2026: 3.60% APYSep 17, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Sep 17, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2430 S Burnside Ave, Gonzales, LA 70737 4645
Share Certificate 36 Months
$0
3.67% ▲ 0.49% above Louisiana avg
View
▼
Rate3.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.18%▲ 0.49% above avgNationally 2.81%
Details

Share Certificate

Rate History
No change since Sep 14, 2026 · 3.67% APY · checked 6 times
3.17%3.67%4.17%Sep 14, 2026: 3.67% APYSep 14, 2026Oct 13, 2026
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
3 Year Share Certificates (Super Jumbo)
$0
3.67% ▲ 0.49% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.18%▲ 0.49% above avgNationally 2.81%
Details

Balance: $25,000 - $100,000

Rate History
No change since Oct 6, 2026 · 3.67% APY · checked 2 times
3.17%3.67%4.17%Oct 6, 2026: 3.67% APYOct 6, 2026Oct 13, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
639 Loyola Ave Ste 220, New Orleans, LA 70113 3130
Regular Certificates - 36-month
$0
3.65% ▲ 0.47% above Louisiana avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.18%▲ 0.47% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8400 Mansfield Rd, Shreveport, LA 71108
36 Month Share Certificate
$0
3.60% ▲ 0.42% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.18%▲ 0.42% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 3.44% → 3.60% ▲ 0.16 pts · high 3.60% / low 3.44%
2.94%3.52%4.10%Sep 12, 2026: 3.44% APYOct 12, 2026: 3.60% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.60%▲ from 3.44%
  • Sep 12, 20263.44%first recorded
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8400 Mansfield Rd, Shreveport, LA 71108
Share Certificate - 36 month
$0
3.60% ▲ 0.42% above Louisiana avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.18%▲ 0.42% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 13, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
Share Certificates - 36 Months (3 Years)
$0
3.57% ▲ 0.39% above Louisiana avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.18%▲ 0.39% above avgNationally 2.81%
Details

Days: 1,095 - 1,459

Rate History
No change since Oct 12, 2026 · 3.57% APY
3.07%3.57%4.07%Oct 12, 2026: 3.57% APYOct 12, 2026Oct 13, 2026

Louisiana 48 Month CD Rates

MonitorBankRates Louisiana Average · 48 Month CD3.16% APY▲ 0.06% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Louisiana is 3.16% APY, compared with 2.80% nationally, as of October 13, 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
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
4 Year Super Saver Share Certificate
$100,000
4.50% ▲ 1.34% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▲ 1.34% above avgNationally 2.80%
Details

APY with La Cap Checking; Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More)

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
2.70%4.05%5.40%Sep 14, 2026: 3.60% APYOct 13, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.50%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.47% ▲ 1.31% above Louisiana avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.16%▲ 1.31% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.12% → 4.47% ▲ 0.35 pts · high 4.47% / low 4.12%
3.62%4.30%4.97%Sep 18, 2026: 4.12% APYOct 1, 2026: 4.47% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.47%▲ from 4.12%
  • Sep 18, 20264.12%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
48 Month Share Certificate
$100,000
4.40% ▲ 1.24% above Louisiana avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▲ 1.24% above avgNationally 2.80%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.36% ▲ 1.20% above Louisiana avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.16%▲ 1.20% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01%
3.51%4.19%4.86%Sep 18, 2026: 4.01% APYOct 1, 2026: 4.36% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.36%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
48 Month 360 CDs
$0
4.30% ▲ 1.14% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.16%▲ 1.14% above avgNationally 2.80%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
48 Month Share Certificate
$500
4.30% ▲ 1.14% above Louisiana avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▲ 1.14% above avgNationally 2.80%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Certificates - 4 years
$0
4.26% ▲ 1.10% above Louisiana avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.16%▲ 1.10% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.26% ▲ 0.35 pts · high 4.26% / low 3.91%
3.41%4.09%4.76%Sep 18, 2026: 3.91% APYOct 1, 2026: 4.26% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.26%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
48 Month View Today's Full List of CD Offerings here
$100,000
4.25% ▲ 1.09% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.16%▲ 1.09% above avgNationally 2.80%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
7288 Highway 509, Mansfield, LA 71052
48 Month Share Certificate/IRA Share Certificate
$1,000
4.25% ▲ 1.09% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.16%▲ 1.09% above avgNationally 2.80%
Details

Minimum opening deposit is $1,000; Rates effective as of 10/6/2026

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
48 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 1.04% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.16%▲ 1.04% above avgNationally 2.80%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
4-Year Certificate
$500
4.20% ▲ 1.04% above Louisiana avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.16%▲ 1.04% above avgNationally 2.80%
Details

Penalties for early withdrawals may apply. Fees may reduce earnings on the account.

Rate History
1 change since Sep 25, 2026 · 4.12% → 4.20% ▲ 0.08 pts · high 4.20% / low 4.12%
3.62%4.16%4.70%Sep 25, 2026: 4.12% APYOct 4, 2026: 4.20% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.20%▲ from 4.12%
  • Sep 25, 20264.12%first recorded
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
4361 Youree Dr, Shreveport, LA 71105
48-Month Share & IRA Certificate
$1,000
4.20% ▲ 1.04% above Louisiana avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.16%▲ 1.04% above avgNationally 2.80%
Details

Share & IRA Certificate; fixed rate

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
48 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 0.99% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.16%▲ 0.99% above avgNationally 2.80%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
4 Year Super Saver Share Certificate
$100,000
4.10% ▲ 0.94% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▲ 0.94% above avgNationally 2.80%
Details

Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More)

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 14, 2026: 3.60% APYOct 13, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.10%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
Super Saver Share Certificate - 4 Years
$100,000
4.10% ▲ 0.94% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▲ 0.94% above avgNationally 2.80%
Details

Effective Date: 10/09/2026; Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 14, 2026: 3.60% APYOct 13, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.10%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
48 Month View Today's Full List of CD Offerings here
$100,000
4.05% ▲ 0.89% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.16%▲ 0.89% above avgNationally 2.80%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
4 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.05% ▲ 0.89% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▲ 0.89% above avgNationally 2.80%
Details

Effective Date: 10/09/2026; Dividends credited monthly; Membership required and subject to approval; Minimum opening deposit $100,000.00; Additional deposits not allowed during term; Substantial penalty for early withdrawal; One-time dividend rate adjustment permitted during term

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.05%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
Share Certificates - 48 Months (4 Years)
$0
4.00% ▲ 0.84% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.16%▲ 0.84% above avgNationally 2.80%
Details

Days: 1,460 - 1,824

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
4 Year Thrifty Saver Share Certificate
$500
4.00% ▲ 0.84% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▲ 0.84% above avgNationally 2.80%
Details

Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 13, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
1091 Thomas Rd, West Monroe, LA 71292 5821
Business Share Certificate - 48 Months
$0
4.00% ▲ 0.84% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.16%▲ 0.84% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
1091 Thomas Rd, West Monroe, LA 71292 5821
IRA Certificate - 48 Months
$0
4.00% ▲ 0.84% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.16%▲ 0.84% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
1091 Thomas Rd, West Monroe, LA 71292 5821
Regular Certificate - 48 Months
$0
4.00% ▲ 0.84% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.16%▲ 0.84% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus Certificates - 48 Month
$0
3.97% ▲ 0.81% above Louisiana avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▲ 0.81% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus IRA Certificates - 48 Month
$0
3.97% ▲ 0.81% above Louisiana avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▲ 0.81% above avgNationally 2.80%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
48 Month Jumbo IRA Certificates
$100,000
3.90% ▲ 0.74% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.16%▲ 0.74% above avgNationally 2.80%
Details

Rate History
No change since Sep 20, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 20, 2026: 3.90% APYSep 20, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
380 S Franklin St, Bastrop, LA 71220
IRA Certificate 48 Months
$500
3.82% ▲ 0.66% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.16%▲ 0.66% above avgNationally 2.80%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
48 Month IRA Certificates
$0
3.81% ▲ 0.65% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▲ 0.65% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Certificates - 48 Month
$0
3.81% ▲ 0.65% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▲ 0.65% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
48 Month View Today's Full List of CD Offerings here
$200,000
3.80% ▲ 0.64% above Louisiana avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.16%▲ 0.64% above avgNationally 2.80%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
48 Month IRA Certificates
$500
3.80% ▲ 0.64% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.16%▲ 0.64% above avgNationally 2.80%
Details

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
48 Month Jumbo Certificates
$100,000
3.80% ▲ 0.64% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.16%▲ 0.64% above avgNationally 2.80%
Details

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
48 Month Share Certificates
$500
3.70% ▲ 0.54% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.16%▲ 0.54% above avgNationally 2.80%
Details

Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 20, 2026: 3.70% APYSep 20, 2026Oct 13, 2026
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
4 Year Share Certificates
$0
3.70% ▲ 0.54% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▲ 0.54% above avgNationally 2.80%
Details

Balance: $1,000 and up; Step-Up Option column lists three 'Available' entries; row alignment not explicit on page

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYSep 17, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Sep 17, 20263.70%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2430 S Burnside Ave, Gonzales, LA 70737 4645
Share Certificate 48 Months
$0
3.67% ▲ 0.51% above Louisiana avg
View
▼
Rate3.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▲ 0.51% above avgNationally 2.80%
Details

Share Certificate

Rate History
No change since Sep 14, 2026 · 3.67% APY · checked 6 times
3.17%3.67%4.17%Sep 14, 2026: 3.67% APYSep 14, 2026Oct 13, 2026
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8400 Mansfield Rd, Shreveport, LA 71108
48 Month Share Certificate
$0
3.60% ▲ 0.44% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.16%▲ 0.44% above avgNationally 2.80%
Details

Rate History
1 change since Sep 12, 2026 · 3.44% → 3.60% ▲ 0.16 pts · high 3.60% / low 3.44%
2.94%3.52%4.10%Sep 12, 2026: 3.44% APYOct 12, 2026: 3.60% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.60%▲ from 3.44%
  • Sep 12, 20263.44%first recorded
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8400 Mansfield Rd, Shreveport, LA 71108
Share Certificate - 48 month
$0
3.60% ▲ 0.44% above Louisiana avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.16%▲ 0.44% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 13, 2026
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
6303 Esler Field Rd, Pineville, LA 71360 3790
4 Year IRA Certificate (Traditional or Roth)
$500
3.55% ▲ 0.39% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▲ 0.39% above avgNationally 2.80%
Details

$500 minimum deposit; Early withdrawal penalty: 90 days dividends or all dividends earned, whichever is least

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40%
2.90%3.47%4.05%Sep 14, 2026: 3.40% APYOct 13, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.55%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
6303 Esler Field Rd, Pineville, LA 71360 3790
4 Year Share Certificate
$0
3.55% ▲ 0.39% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▲ 0.39% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40%
2.90%3.47%4.05%Sep 14, 2026: 3.40% APYOct 9, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.55%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
48 Month Certificate
$0
3.50% ▲ 0.34% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.16%▲ 0.34% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
2739 W Church St, Hammond, LA 70401
48 Month Certificates of Deposit
$500
3.45% ▲ 0.29% above Louisiana avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▲ 0.29% above avgNationally 2.80%
Details

Dividends Paid: Monthly

Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 22, 2026: 3.45% APYSep 22, 2026Oct 13, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
2739 W Church St, Hammond, LA 70401
Certificate of Deposit - 48 months
$500
3.45% ▲ 0.29% above Louisiana avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▲ 0.29% above avgNationally 2.80%
Details

Dividends paid monthly; Penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
4440 Nelson Rd, Lake Charles, LA 70605
48 Month Certificate
$0
3.41% ▲ 0.25% above Louisiana avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.16%▲ 0.25% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
48 Month Certificate Accounts
$1,000
3.35% ▲ 0.19% above Louisiana avg
View
▼
Rate3.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.16%▲ 0.19% above avgNationally 2.80%
Details

Dividends credited quarterly

Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Oct 13, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
IRA Certificate 48 Months
$0
3.35% ▲ 0.19% above Louisiana avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.16%▲ 0.19% above avgNationally 2.80%
Details

Dividends credited quarterly

Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
1725 Sullivan Dr, Bogalusa, LA 70427
48 Month Bump IRA
$250
3.29% ▲ 0.13% above Louisiana avg
View
▼
Rate3.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.16%▲ 0.13% above avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 3.03% → 3.29% ▲ 0.26 pts · high 3.29% / low 3.03%
2.53%3.16%3.79%Sep 24, 2026: 3.03% APYOct 8, 2026: 3.29% APYSep 24, 2026Oct 13, 2026
  • Oct 8, 20263.29%▲ from 3.03%
  • Sep 24, 20263.03%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
123 N Oak St, Hammond, LA 70401
48 Month Certificate
$500
3.25% ▲ 0.09% above Louisiana avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.16%▲ 0.09% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90%
2.40%3.08%3.75%Sep 14, 2026: 2.90% APYOct 7, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.25%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
1725 Sullivan Dr, Bogalusa, LA 70427
48 Month Bump CD
$2,500
3.25% ▲ 0.09% above Louisiana avg
View
▼
Rate3.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.16%▲ 0.09% above avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 24, 2026: 3.00% APYOct 8, 2026: 3.25% APYSep 24, 2026Oct 13, 2026
  • Oct 8, 20263.25%▲ from 3.00%
  • Sep 24, 20263.00%first recorded
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1420 Natchitoches St, West Monroe, LA 71292
48-Month CD
$1,000
3.25% ▲ 0.09% above Louisiana avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.16%▲ 0.09% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
BRECO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
Term Share Certificates & IRAs - 48 Months
$0
3.10% ▼ 0.06% below Louisiana avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.16%▼ 0.06% below avgNationally 2.80%
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

Rate History
No change since Oct 13, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 13, 2026: 3.10% APYOct 13, 2026Oct 13, 2026
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5445 POINT CLAIR RD, CARVILLE, LA 70721
48-Month CD
$10,000
3.05% ▼ 0.11% below Louisiana avg
View
▼
Rate3.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.16%▼ 0.11% below avgNationally 2.80%
Details

New Money Only, Pays Monthly

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026

Louisiana 60 Month CD Rates

MonitorBankRates Louisiana Average · 60 Month CD3.25% APY▲ 0.12% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Louisiana is 3.25% APY, compared with 2.90% nationally, as of October 13, 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: 7.78%
1726 Oretha Castle Haley Blvd, New Orleans, LA 70113 1313
60 Month Share Certificates (CDs) - Jumbo
$1,000
4.95% ▲ 1.70% above Louisiana avg
View
▼
Rate4.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.25%▲ 1.70% above avgNationally 2.90%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.95% APY
4.45%4.95%5.45%Oct 13, 2026: 4.95% APYOct 13, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.87% ▲ 1.62% above Louisiana avg
View
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.25%▲ 1.62% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49%
3.99%4.68%5.37%Sep 18, 2026: 4.49% APYOct 1, 2026: 4.87% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.87%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.76% ▲ 1.51% above Louisiana avg
View
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.25%▲ 1.51% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.39% → 4.76% ▲ 0.37 pts · high 4.76% / low 4.39%
3.89%4.57%5.26%Sep 18, 2026: 4.39% APYOct 1, 2026: 4.76% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.76%▲ from 4.39%
  • Sep 18, 20264.39%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Certificates - 5 years
$0
4.66% ▲ 1.41% above Louisiana avg
View
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.25%▲ 1.41% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.66% ▲ 0.38 pts · high 4.66% / low 4.28%
3.78%4.47%5.16%Sep 18, 2026: 4.28% APYOct 1, 2026: 4.66% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.66%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
5 Year Super Saver Share Certificate
$100,000
4.55% ▲ 1.30% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.25%▲ 1.30% above avgNationally 2.90%
Details

APY with La Cap Checking; Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More)

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.55% ▲ 0.90 pts · high 4.55% / low 3.65%
2.75%4.10%5.45%Sep 14, 2026: 3.65% APYOct 13, 2026: 4.55% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.55%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
60 Month Share Certificate
$100,000
4.40% ▲ 1.15% above Louisiana avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.25%▲ 1.15% above avgNationally 2.90%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
60 Month 360 CDs
$0
4.30% ▲ 1.05% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.25%▲ 1.05% above avgNationally 2.90%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
60 Month View Today's Full List of CD Offerings here
$100,000
4.30% ▲ 1.05% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.25%▲ 1.05% above avgNationally 2.90%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
60 Month Share Certificate
$500
4.30% ▲ 1.05% above Louisiana avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.25%▲ 1.05% above avgNationally 2.90%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
60 Month View Today's Full List of CD Offerings here
$100,000
4.25% ▲ 1.00% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.25%▲ 1.00% above avgNationally 2.90%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
5-Year Regular Certificate or IRA Certificate
$10,000
4.25% ▲ 1.00% above Louisiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.25%▲ 1.00% above avgNationally 2.90%
Details

Deposit: $10,000+

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
4361 Youree Dr, Shreveport, LA 71105
60-Month Share & IRA Certificate
$1,000
4.25% ▲ 1.00% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.25%▲ 1.00% above avgNationally 2.90%
Details

Share & IRA Certificate; fixed rate

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
7288 Highway 509, Mansfield, LA 71052
60 Month Share Certificate/IRA Share Certificate
$1,000
4.25% ▲ 1.00% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.25%▲ 1.00% above avgNationally 2.90%
Details

Minimum opening deposit is $1,000; Rates effective as of 10/6/2026

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
60 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 0.95% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.25%▲ 0.95% above avgNationally 2.90%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
5-Year Certificate
$500
4.20% ▲ 0.95% above Louisiana avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.25%▲ 0.95% above avgNationally 2.90%
Details

Penalties for early withdrawals may apply. Fees may reduce earnings on the account.

Rate History
1 change since Sep 25, 2026 · 4.12% → 4.20% ▲ 0.08 pts · high 4.20% / low 4.12%
3.62%4.16%4.70%Sep 25, 2026: 4.12% APYOct 4, 2026: 4.20% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.20%▲ from 4.12%
  • Sep 25, 20264.12%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
60 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 0.90% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.25%▲ 0.90% above avgNationally 2.90%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
5 Year Super Saver Share Certificate
$100,000
4.15% ▲ 0.90% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.25%▲ 0.90% above avgNationally 2.90%
Details

Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More)

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.65%
3.15%3.90%4.65%Sep 14, 2026: 3.65% APYOct 13, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.15%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
Super Saver Share Certificate - 5 Years
$100,000
4.15% ▲ 0.90% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.25%▲ 0.90% above avgNationally 2.90%
Details

Effective Date: 10/09/2026; Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.65%
3.15%3.90%4.65%Sep 14, 2026: 3.65% APYOct 13, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.15%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
5 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.10% ▲ 0.85% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.25%▲ 0.85% above avgNationally 2.90%
Details

Effective Date: 10/09/2026; Dividends credited monthly; Membership required and subject to approval; Minimum opening deposit $100,000.00; Additional deposits not allowed during term; Substantial penalty for early withdrawal; One-time dividend rate adjustment permitted during term

Rate History
1 change since Sep 29, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 29, 2026: 3.60% APYOct 13, 2026: 4.10% APYSep 29, 2026Oct 13, 2026
  • Oct 13, 20264.10%▲ from 3.60%
  • Sep 29, 20263.60%first recorded
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
13800 Old Gentilly Rd Bldg 101, New Orleans, LA 70129
60 Month CD
$0
4.07% ▲ 0.82% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.25%▲ 0.82% above avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 25, 2026: 4.07% APYSep 25, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
60 Month View Today's Full List of CD Offerings here
$100,000
4.05% ▲ 0.80% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.25%▲ 0.80% above avgNationally 2.90%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
5 Year Thrifty Saver Share Certificate
$500
4.05% ▲ 0.80% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.25%▲ 0.80% above avgNationally 2.90%
Details

Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.05%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
5-Year Regular Certificate or IRA Certificate
$2,000
4.00% ▲ 0.75% above Louisiana avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.25%▲ 0.75% above avgNationally 2.90%
Details

Deposit: $2,000-$9,999

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus Certificates - 60 Month
$0
4.00% ▲ 0.75% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.25%▲ 0.75% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus IRA Certificates - 60 Month
$0
4.00% ▲ 0.75% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.25%▲ 0.75% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
1091 Thomas Rd, West Monroe, LA 71292 5821
Business Share Certificate - 60 Months
$0
4.00% ▲ 0.75% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.25%▲ 0.75% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
1091 Thomas Rd, West Monroe, LA 71292 5821
IRA Certificate - 60 Months
$0
4.00% ▲ 0.75% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.25%▲ 0.75% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
1091 Thomas Rd, West Monroe, LA 71292 5821
Regular Certificate - 60 Months
$0
4.00% ▲ 0.75% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.25%▲ 0.75% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
60 Month Jumbo IRA Certificates
$100,000
3.95% ▲ 0.70% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.25%▲ 0.70% above avgNationally 2.90%
Details

Rate History
No change since Sep 20, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 20, 2026: 3.95% APYSep 20, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1770 S 5th St Ste A, Leesville, LA 71446 5342
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.65% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.25%▲ 0.65% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
60 Month View Today's Full List of CD Offerings here
$200,000
3.90% ▲ 0.65% above Louisiana avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.25%▲ 0.65% above avgNationally 2.90%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1770 S 5th St Ste A, Leesville, LA 71446 5342
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.60% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.25%▲ 0.60% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
60 Month IRA Certificates
$500
3.85% ▲ 0.60% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.25%▲ 0.60% above avgNationally 2.90%
Details

Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 20, 2026: 3.85% APYSep 20, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
60 Month Jumbo Certificates
$100,000
3.85% ▲ 0.60% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.25%▲ 0.60% above avgNationally 2.90%
Details

Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 20, 2026: 3.85% APYSep 20, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
60 Month IRA Certificates
$0
3.84% ▲ 0.59% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.25%▲ 0.59% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 3.84% APY · checked 3 times
3.34%3.84%4.34%Oct 5, 2026: 3.84% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Certificates - 60 Month
$0
3.84% ▲ 0.59% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.25%▲ 0.59% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APYSep 14, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
380 S Franklin St, Bastrop, LA 71220
IRA Certificate 60 Months
$500
3.82% ▲ 0.57% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.25%▲ 0.57% above avgNationally 2.90%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
60 Month View Today's Full List of CD Offerings here
$100,000
3.80% ▲ 0.55% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.25%▲ 0.55% above avgNationally 2.90%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
60 Month Share Certificates
$500
3.75% ▲ 0.50% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.25%▲ 0.50% above avgNationally 2.90%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 13, 2026
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5445 POINT CLAIR RD, CARVILLE, LA 70721
60-Month CD
$10,000
3.75% ▲ 0.50% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Louisiana Average3.25%▲ 0.50% above avgNationally 2.90%
Details

New Money Only, Pays Monthly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.45% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.25%▲ 0.45% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
5 Year Certificates of Deposit
$2,500
3.70% ▲ 0.45% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.25%▲ 0.45% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 24, 2026: 3.70% APYSep 24, 2026Oct 13, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4743 Main St, Zachary, LA 70791
5 Year IRA Certificate
$500
3.70% ▲ 0.45% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Louisiana Average3.25%▲ 0.45% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 24, 2026: 3.70% APYSep 24, 2026Oct 13, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
639 Loyola Ave Ste 220, New Orleans, LA 70113 3130
Regular Certificates - 60-month
$0
3.65% ▲ 0.40% above Louisiana avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.25%▲ 0.40% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
6303 Esler Field Rd, Pineville, LA 71360 3790
5 Year IRA Certificate (Traditional or Roth)
$500
3.65% ▲ 0.40% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.25%▲ 0.40% above avgNationally 2.90%
Details

$500 minimum deposit; Early withdrawal penalty: 90 days dividends or all dividends earned, whichever is least

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45%
2.95%3.55%4.15%Sep 14, 2026: 3.45% APYOct 13, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.65%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
6303 Esler Field Rd, Pineville, LA 71360 3790
5 Year Share Certificate
$0
3.65% ▲ 0.40% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Louisiana Average3.25%▲ 0.40% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45%
2.95%3.55%4.15%Sep 14, 2026: 3.45% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.65%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
Share Certificates - 60 Months (5 Years)
$0
3.64% ▲ 0.39% above Louisiana avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.25%▲ 0.39% above avgNationally 2.90%
Details

Days: 1,825+

Rate History
No change since Oct 12, 2026 · 3.64% APY
3.14%3.64%4.14%Oct 12, 2026: 3.64% APYOct 12, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
5-year online CDs
$0
3.60% ▲ 0.35% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.25%▲ 0.35% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
60 Month Certificate
$0
3.60% ▲ 0.35% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Louisiana Average3.25%▲ 0.35% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8400 Mansfield Rd, Shreveport, LA 71108
60 Month Share Certificate
$0
3.60% ▲ 0.35% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Louisiana Average3.25%▲ 0.35% above avgNationally 2.90%
Details

Rate History
1 change since Sep 12, 2026 · 3.44% → 3.60% ▲ 0.16 pts · high 3.60% / low 3.44%
2.94%3.52%4.10%Sep 12, 2026: 3.44% APYOct 12, 2026: 3.60% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.60%▲ from 3.44%
  • Sep 12, 20263.44%first recorded
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.

Top CD Rates from Louisiana Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Capital One Bank
12 Month 360 CDs
A 5.0 ★ TX: 7.00%
Min: $0
4.30%
Anthem Bank & Trust
60 Month View Today's Full List of CD Offerings here
A+ 5.0 ★ TX: 3.32%
Min: $100,000
4.30%
Hancock Whitney Bank
24-month CD
A+ 5.0 ★ TX: 3.41%
Min: $0
4.25%
Crescent Bank
24-month CD
A+ 5.0 ★ TX: 3.24%
Min: $1,000
4.25%
Citizens Savings Bank Bogalusa, LA
12 Month IRA
A+ 5.0 ★ TX: 5.20%
Min: $250
4.06%
CU Top 5 Credit Union Rates
Hope Federal Credit Union Jackson, MS
60 Month Share Certificates (CDs) - Jumbo
A 5.0 ★ TX: 7.78%
Min: $1,000
4.95%
Advancial Federal Credit Union
Regular, IRA & Business Jumbo Certificates - 5 years
A 5.0 ★ TX: 12.30%
Min: $0
4.87%
La Capitol Federal Credit Union
5 Year Super Saver Share Certificate
A 5.0 ★ TX: 7.48%
Min: $100,000
4.55%
The New Orleans Firemens Federal Credit Union
2-Year Regular Certificate or IRA Certificate
A 5.0 ★ TX: 7.30%
Min: $10,000
4.50%
Chevron Federal Credit Union
36 Month Share Certificate
A+ 5.0 ★ TX: 2.12%
Min: $100,000
4.40%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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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.

View Full Louisiana CD Trends
12-Month CD LA Avg
3.512%
▲ 0.071 vs 7 days ago

Louisiana 12-month CD rates rose 0.071 points over the past 7 days to 3.512% APY.

6-Month CD LA Avg
3.200%
▲ 0.074 vs 7 days ago

Louisiana 6-month CD rates rose 0.074 points over the past 7 days to 3.200% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

LA CD Rate Forecast, Next 12 Months

Where are Louisiana CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

LA 12-Month Avg APY
3.512%
6-Month Forecast
3.512%
Range: 3.31%, 3.66%
12-Month Forecast
3.762%
Range: 3.56%, 3.91%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Louisiana average 12-month CD APY in our database.

Spread model: The Louisiana 12-month CD average currently trades 0.86% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 2.417% $120.85 $241.70 $604.25 $1,208.50
6-Month CD 3.200% $160.02 $320.03 $800.07 $1,600.15
12-Month CD 3.512% $175.62 $351.23 $878.08 $1,756.15
18-Month CD 3.458% $172.91 $345.81 $864.53 $1,729.05
24-Month CD 3.300% $165.00 $330.00 $825.00 $1,650.00
36-Month CD 3.182% $159.12 $318.24 $795.60 $1,591.20
48-Month CD 3.162% $158.09 $316.17 $790.43 $1,580.85
60-Month CD 3.252% $162.58 $325.16 $812.90 $1,625.80
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
Powered byMonitorBankRates

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.

Build Your Ladder
Rung Term Deposit LA Avg APY Annual Earnings
1 3-Month CD $5,000 2.417% $120.85
2 6-Month CD $5,000 3.200% $160.02
3 12-Month CD $5,000 3.512% $175.62
4 24-Month CD $5,000 3.300% $165.00
5 36-Month CD $5,000 3.182% $159.12
Total ($25,000 invested) $25,000 3.122% blended $780.61/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.

Powered byMonitorBankRates
712
CD Rates
Tracked in Louisiana
21 Banks 59 Credit Unions

About Our Louisiana CD Rate Database

MonitorBankRates tracks 712 CD rates from 21 banks and 59 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 to 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: Hope Federal Credit Union Jackson, MS offers a CD at 4.95% APY with a minimum deposit of $1,000. 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 59 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: 80 institutions here report CD rates

Consider an Alternative If…

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
$142/yr
At LA 12-mo avg 3.512% 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 3.512%, saving 10% of the local median salary ($4,053/year) and putting it in a CD would earn an additional $142 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 to 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, Red River Employees Federal Credit Union is offering its 6 Month TEAL Certificate at 4.33% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Hope Federal Credit Union Jackson, MS is offering its 60 Month Share Certificates (CDs) - Jumbo at 4.95% 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:
  • Hope Federal Credit Union Jackson, MS: 4.95% APY (60 Month Share Certificates (CDs) - Jumbo)
  • Advancial Federal Credit Union: 4.87% APY (Regular, IRA & Business Jumbo Certificates - 5 years)
  • La Capitol Federal Credit Union: 4.55% APY (5 Year Super Saver Share Certificate)
  • The New Orleans Firemens Federal Credit Union: 4.50% APY (2-Year Regular Certificate or IRA Certificate)
  • Chevron Federal Credit Union: 4.40% APY (36 Month Share Certificate)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • Red River Employees Federal Credit Union: 4.33% APY (6 Month TEAL Certificate)
  • 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)
Rates reflect recent verified offers available in Louisiana. Last Updated: October 13, 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 to 180 days of interest. Estimates are for informational purposes only.

Top Louisiana CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Louisiana. Averages shown use the Louisiana state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Louisiana

Louisiana CD Calculator

At today’s LA top rate of 4.95% APY, a $10,000 deposit earns $495 in the first year. Enter your amount to see your exact return.

Louisiana CD Ladder

LA CD rates currently range from 2.417% (3-month) to 3.182% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Louisiana CD at 4.95% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Louisiana’s average 12-month CD is 3.512% 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: October 13, 2026

Louisiana Rates & Resources

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Cities in Louisiana

  • Abbeville
  • Abita Springs
  • Acme
  • Addis
  • Aimwell
  • Akers
  • Albany
  • Alexandria
  • Ama
  • Amelia
  • Amite
  • Amite City
  • Anacoco
  • Angie
  • Angola
  • Arabi
  • Arcadia
  • Archibald
  • Arnaudville
  • Ashland
  • Athens
  • Atlanta
  • Avery Island
  • Baker
  • Baldwin
  • Ball
  • Barataria
  • Basile
  • Baskin
  • Bastrop
  • Batchelor
  • Baton Rouge
  • Bayou Goula
  • Belcher
  • Bell City
  • Belle Chasse
  • Belle Rose
  • Belmont
  • Bentley
  • Benton
  • Bernice
  • Berwick
  • Bethany
  • Bienville
  • Blanchard
  • Blanks
  • Bogalusa
  • Bonita
  • Boothville
  • Bordelonville
  • Bossier City
  • Bourg
  • Boutte
  • Boyce
  • Braithwaite
  • Branch
  • Breaux Bridge
  • Brittany
  • Broussard
  • Brusly
  • Bryceland
  • Bueche
  • Bunkie
  • Buras
  • Burnside
  • Bush
  • Cade
  • Calhoun
  • Calvin
  • Cameron
  • Campti
  • Cankton
  • Carencro
  • Carlisle
  • Carville
  • Castor
  • Cecilia
  • Center Point
  • Centerville
  • Central
  • Chalmette
  • Charenton
  • Chase
  • Chataignier
  • Chatham
  • Chauvin
  • Cheneyville
  • Choudrant
  • Church Point
  • Clarence
  • Clarks
  • Clayton
  • Clinton
  • Cloutierville
  • Colfax
  • Collinston
  • Columbia
  • Convent
  • Converse
  • Cotton Valley
  • Cottonport
  • Coushatta
  • Covington
  • Creola
  • Creole
  • Crowley
  • Crowville
  • Cullen
  • Cut Off
  • Darrow
  • Davant
  • Delcambre
  • Delhi
  • Delta
  • Denham Springs
  • Dequincy
  • Deridder
  • Des Allemands
  • Destrehan
  • Deville
  • Dixie Inn
  • Dodson
  • Donaldsonville
  • Donner
  • Downsville
  • Doyline
  • Dry Creek
  • Dry Prong
  • Dubach
  • Dubberly
  • Dulac
  • Duplessis
  • Dupont
  • Duson
  • East Hodge
  • East Point
  • Echo
  • Edgard
  • Edgefield
  • Effie
  • Egan
  • Elizabeth
  • Elm Grove
  • Elmer
  • Elton
  • Empire
  • Enterprise
  • Epps
  • Erath
  • Eros
  • Erwinville
  • Estherwood
  • Ethel
  • Eunice
  • Evangeline
  • Evans
  • Evergreen
  • Fairbanks
  • Farmerville
  • Fenton
  • Ferriday
  • Fisher
  • Flatwoods
  • Flora
  • Florien
  • Fluker
  • Folsom
  • Fordoche
  • Forest
  • Forest Hill
  • Fort Necessity
  • Franklin
  • Franklinton
  • French Settlement
  • Frierson
  • Fullerton
  • Galliano
  • Garden City
  • Gardner
  • Garyville
  • Geismar
  • Georgetown
  • Gheens
  • Gibsland
  • Gibson
  • Gilbert
  • Gilliam
  • Glenmora
  • Gloster
  • Glynn
  • Golden Meadow
  • Goldonna
  • Gonzales
  • Gorum
  • Grambling
  • Gramercy
  • Grand Cane
  • Grand Chenier
  • Grand Coteau
  • Grand Isle
  • Grant
  • Gray
  • Grayson
  • Greensburg
  • Greenwell Springs
  • Greenwood
  • Gretna
  • Grosse Tete
  • Gueydan
  • Hackberry
  • Hahnville
  • Hall Summit
  • Hamburg
  • Hammond
  • Harahan
  • Harmon
  • Harrisonburg
  • Harvey
  • Haughton
  • Hayes
  • Haynesville
  • Heflin
  • Henderson
  • Hessmer
  • Hester
  • Hineston
  • Hodge
  • Holden
  • Homer
  • Hornbeck
  • Hosston
  • Houma
  • Husser
  • Ida
  • Independence
  • Innis
  • Iota
  • Iowa
  • Jackson
  • Jamestown
  • Jarreau
  • Jean Lafitte
  • Jeanerette
  • Jefferson
  • Jena
  • Jennings
  • Jigger
  • Jones
  • Jonesboro
  • Jonesville
  • Joyce
  • Junction City
  • Kaplan
  • Keachi
  • Keatchie
  • Keithville
  • Kelly
  • Kenner
  • Kentwood
  • Kilbourne
  • Killian
  • Killona
  • Kinder
  • Kraemer
  • Krotz Springs
  • Kurthwood
  • La Place
  • Labadieville
  • Labarre
  • Lacamp
  • Lacassine
  • Lacombe
  • Lafayette
  • Lafitte
  • Lake Arthur
  • Lake Charles
  • Lake Providence
  • Lakeland
  • Laplace
  • Larose
  • Lawtell
  • Lebeau
  • Leblanc
  • Lecompte
  • Leesville
  • Lena
  • Leonville
  • Lettsworth
  • Libuse
  • Lillie
  • Lisbon
  • Livingston
  • Livonia
  • Lockport
  • Logansport
  • Longleaf
  • Longstreet
  • Longville
  • Loranger
  • Loreauville
  • Lottie
  • Lucky
  • Luling
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