Louisiana Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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.
Current Louisiana CD rates include GEISMAR COMPLEXGEISMAR COMPLEX35294 Highway 30, Geismar, LA 70734A5.0 ★Texas Ratio: 3.75%Real return: +1.53%APY minus CPI (February 2026) offering 1 YEAR CERTIFICATE at 4.33% APY, Crescent BankCrescent Bank2201 Veterans Memorial Blvd, Metairie, LA 70002C4.0 ★Texas Ratio: 27.16%Real return: +1.45%APY minus CPI (February 2026) offering 24-month CD at 4.25% APY, ANECA Federal Credit UnionANECA Federal Credit Union4361 Youree Dr, Shreveport, LA 71105A5.0 ★Texas Ratio: 7.44%Real return: +1.40%APY minus CPI (February 2026) offering 60-Month Certificate at 4.20% APY, Noda Federal Credit UnionNoda Federal Credit Union13800 Old Gentilly Rd Bldg 101, New Orleans, LA 70129A5.0 ★Texas Ratio: 6.33%Real return: +1.27%APY minus CPI (February 2026) offering 36 months at 4.07% APY, and Red River Employees Federal Credit UnionRed River Employees Federal Credit Union380 S Franklin St, Bastrop, LA 71220A+5.0 ★Texas Ratio: 4.81%Real return: +1.27%APY minus CPI (February 2026) offering 6 Month TEAL Certificate (Age 0-17) at 4.07% APY. CD rates as of August 31, 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 4.33% APY from GEISMAR COMPLEX at 35294 Highway 30, Geismar, LA 70734. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: August 31, 2026
Compare Best CD Rates in Louisiana
Louisiana 3 Month CD Rates
MonitorBankRates National Average — 3 Month CD1.96% APY▲ 0.02% from last week
The national average 3-month CD rate is 1.96% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificate 3 Months
$0
3.72%
▲ 1.76% above national avg
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.76% above avg
Details
UCB Raceland, LA
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
4626 Highway 1, Raceland, LA 70394
3 Month Certificate
$1,000
3.50%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Annual Percentage Yield (APY) accurate as of 4/23/2026 and may change at any time. A $1,000 minimum deposit required to open and earn the stated APY. Interest on CDs 12 months or less will be paid at maturity. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4000 General Degaulle Dr, New Orleans, LA 70114
IRA Accounts 3 Months
$1,000
3.50%
▲ 1.54% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
First American Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
2785 Highway 20, Vacherie, LA 70090
3 Month CD
$0
3.44%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.48% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
3 Month Certificate
$0
3.30%
▲ 1.34% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.34% above avg
Details
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
3-Month Certificate
$500
2.75%
▲ 0.79% above national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.79% above avg
Details
Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Dividends are calculated on a daily balance method and are compounded and credited monthly.
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6151 Hwy 10, Greensburg, LA 70441
90 Day
$500
2.70%
▲ 0.74% above national avg
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.74% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1221 Elmwood Park Blvd, Harahan, LA 70123
90 Days
$0
1.90%
▼ 0.06% below national avg
▼
Rate1.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.06% below avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
90 Days
$2,500
1.75%
▼ 0.21% below national avg
▼
Rate1.74%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.21% below avg
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
3 Month
$0
1.26%
▼ 0.70% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.70% below avg
Details
Compound: At Maturity
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Machen Dr, Springhill, LA 71075
Business 3 Months
$0
1.00%
▼ 0.96% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5445 POINT CLAIR RD, CARVILLE, LA 70721
3-Month Certificate
$500
0.99%
▼ 0.97% below national avg
▼
Rate0.99%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.97% below avg
Details
Pays Monthly
American Bank & Trust Company LA
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
307 E Landry St, Opelousas, LA 70570
90 Day CD
$1,000
0.65%
▼ 1.31% below national avg
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.31% below avg
Details
Louisiana 6 Month CD Rates
MonitorBankRates National Average — 6 Month CD2.67% APY▲ 0.03% from last week
The national average 6-month CD rate is 2.67% APY as of September 2, 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: 4.81%
380 S Franklin St, Bastrop, LA 71220
6 Month TEAL Certificate (Age 0-17)
$250
4.07%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
Age: 0-17
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
380 S Franklin St, Bastrop, LA 71220
6-Month TEAL Certificate
$250
4.07%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
For kids and Teens (age 0-17). TEAL is short for Teens Earning And Learning, but any member from 0 to 17 years of age can have one of these lower-deposit certificates. compounded monthly.
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificate 6 Months
$0
3.82%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.15% above avg
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
6 Month IRA
$250
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
2235 S College Rd, Lafayette, LA 70508
6-Month Certificate
$0
3.80%
▲ 1.13% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
6 Month CD
$2,500
3.79%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.12% above avg
Details
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
6-Month Certificate
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Dividends are calculated on a daily balance method and are compounded and credited monthly.
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4361 Youree Dr, Shreveport, LA 71105
6-Month Certificate
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
UCB Raceland, LA
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
4626 Highway 1, Raceland, LA 70394
6 Month Certificate
$1,000
3.73%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.06% above avg
Details
Annual Percentage Yield (APY) accurate as of 4/23/2026 and may change at any time. A $1,000 minimum deposit required to open and earn the stated APY. Interest on CDs 12 months or less will be paid at maturity. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
8400 Mansfield Rd, Shreveport, LA 71108
6 months
$0
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
8400 Mansfield Rd, Shreveport, LA 71108
IRA Certificate 6 month
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5445 POINT CLAIR RD, CARVILLE, LA 70721
6-Month Certificate
$1,000
3.65%
▲ 0.98% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Pays Monthly
Landmark Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.10%
12225 Saint Helena St, Clinton, LA 70722
6-Month CD
$0
3.60%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
6 Month
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
2000 LAKESHORE DR, NEW ORLEANS, LA 70148 3520
6 Month Certificate
$0
3.58%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.91% above avg
Details
GEISMAR COMPLEX
Institution Rating:
A5.0 ★Texas Ratio: 3.75%
35294 Highway 30, Geismar, LA 70734
6 MONTH CERTIFICATE
$500
3.56%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.89% above avg
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
2443 Texas Ave, Shreveport, LA 71103
CD - 6 Months
$1,000
3.56%
▲ 0.89% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.89% above avg
Details
At the end of the term, CD will automatically renew to the current rate.
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
4056 Ryan St, Lake Charles, LA 70605
6 Months
$500
3.55%
▲ 0.88% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Machen Dr, Springhill, LA 71075
Business 6 Months
$0
3.53%
▲ 0.86% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.86% above avg
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
123 N Oak St, Hammond, LA 70401
6 Month CD
$500
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
123 N Oak St, Hammond, LA 70401
6 months
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4000 General Degaulle Dr, New Orleans, LA 70114
IRA Accounts 6 Months
$1,000
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1221 Elmwood Park Blvd, Harahan, LA 70123
6 Months
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
700 Main St, Baton Rouge, LA 70802 5501
6 Month Share Certificate
$2,500
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Dividends Credited: Monthly
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
700 Main St, Baton Rouge, LA 70802 5501
6-Month Share Certificate
$2,500
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Dividends Posted: Monthly
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
6 Month
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
21925 Highway 1, Plaquemine, LA 70764 5132
6-month Certificates
$0
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Dividends are paid out either monthly or quarterly. Early withdrawals are subject to penalty. Upon maturity, certificate will renew at the current rate at the time of renewal.
First American Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
2785 Highway 20, Vacherie, LA 70090
6 Month CD
$0
3.43%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.76% above avg
Details
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
433 Metairie Rd, Metairie, LA 70005
6 Month CD
$50
3.40%
▲ 0.73% above national avg
▼
Rate3.35%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
6 Month Certificate
$0
3.40%
▲ 0.73% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
4321 Nelson Rd, Lake Charles, LA 70605 4119
Share Certificate 6-Month
$0
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
Details
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
13800 Old Gentilly Rd Bldg 101, New Orleans, LA 70129
6 months
$0
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
Details
LES
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
950 N 22nd St Ste C, Baton Rouge, LA 70802
6 month Share Certificate
$500
3.27%
▲ 0.60% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.60% above avg
Details
Pd at Maturity
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
6 Months
$2,500
3.25%
▲ 0.58% above national avg
▼
Rate3.22%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
433 Metairie Rd, Metairie, LA 70005
6 Month CD
$10
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$10
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
701 Poydras St Ste P140, New Orleans, LA 70139
6 Months
$500
3.25%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details
Compounded / Credited: Monthly/Monthly
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
433 Metairie Rd, Metairie, LA 70005
6 Month CD
$500
3.20%
▲ 0.53% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.53% above avg
Details
Eureka Homestead
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1922 Veterans Memorial Blvd, Metairie, LA 70005
6 Month Certificate
$1,000
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Early Withdrawal Penalty: 3 months; Interest Calculation Method: Compound Daily 365/365
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
6 Month
$0
2.77%
▲ 0.10% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.10% above avg
Details
Compound: At Maturity
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
Roth IRA - Fixed Rate (6 mo)
$1,000
2.77%
▲ 0.10% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.10% above avg
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
4056 Ryan St, Lake Charles, LA 70605
IRA 6 Months
$500
2.75%
▲ 0.08% above national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.08% above avg
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6151 Hwy 10, Greensburg, LA 70441
6 Month
$500
2.70%
▲ 0.03% above national avg
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.03% above avg
Details
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
14963 River Rd, Hahnville, LA 70057
6 Months
$0
2.52%
▼ 0.15% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.15% below avg
Details
Minimum $1000.00 Share Certificates. Note: Early withdrawal penalties do apply to certificates.
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
4400 Maplewood Dr, Sulphur, LA 70663
Silver Share Certificates 6 Month
$500
2.47%
▼ 0.20% below national avg
▼
Rate2.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.20% below avg
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
IRA Certificates 6 months
$500
2.38%
▼ 0.29% below national avg
▼
Rate2.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.29% below avg
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
4400 Maplewood Dr, Sulphur, LA 70663
IRA Certificate Accounts 6 Month
$500
2.31%
▼ 0.36% below national avg
▼
Rate2.29%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.36% below avg
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
4400 Maplewood Dr, Sulphur, LA 70663
6 Month Share Certificate
$500
2.21%
▼ 0.46% below national avg
▼
Rate2.19%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.46% below avg
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
515 Guilbeau Rd, Lafayette, LA 70506 6089
Share Certificate - 6 Months
$2,500
2.01%
▼ 0.66% below national avg
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.66% below avg
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
I.R.A. 6-Month Fixed
$0
1.76%
▼ 0.91% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.91% below avg
Details
American Bank & Trust Company LA
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
307 E Landry St, Opelousas, LA 70570
6 Month CD
$1,000
1.56%
▼ 1.11% below national avg
▼
Rate1.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.11% below avg
Details
Louisiana 12 Month CD Rates
MonitorBankRates National Average — 12 Month CD2.83% APY▲ 0.02% from last week
The national average 12-month CD rate is 2.83% APY as of September 2, 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
GEISMAR COMPLEX
Institution Rating:
A5.0 ★Texas Ratio: 3.75%
35294 Highway 30, Geismar, LA 70734
1 YEAR CERTIFICATE
$500
4.33%
▲ 1.50% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.50% above avg
Details
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
1-Year Certificate
$500
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Dividends are calculated on a daily balance method and are compounded and credited monthly.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
12 Month Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
4400 Maplewood Dr, Sulphur, LA 70663
Silver Share Certificates 1 Year
$500
3.91%
▲ 1.08% above national avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.08% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus IRA Certificates 12 Month
$0
3.89%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.06% above avg
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
4056 Ryan St, Lake Charles, LA 70605
12 Month Expandable
$100
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
4056 Ryan St, Lake Charles, LA 70605
12 Months
$500
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5445 POINT CLAIR RD, CARVILLE, LA 70721
12-Month CD
$1,000
3.85%
▲ 1.02% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Pays Monthly
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5445 POINT CLAIR RD, CARVILLE, LA 70721
12-Month CD (High Yield)
$100
3.85%
▲ 1.02% above national avg
▼
Rate3.85%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Pays Monthly
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificate 12 Months (1 Year)
$0
3.82%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.99% above avg
Details
LES
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
950 N 22nd St Ste C, Baton Rouge, LA 70802
1 year Share Certificate
$50,000
3.82%
▲ 0.99% above national avg
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.99% above avg
Details
Pd at Maturity
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
2443 Texas Ave, Shreveport, LA 71103
CD - 12 Months
$1,000
3.81%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.98% above avg
Details
At the end of the term, CD will automatically renew to the current rate.
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
12 Month IRA
$250
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4361 Youree Dr, Shreveport, LA 71105
12-Month Certificate
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
2235 S College Rd, Lafayette, LA 70508
12-Month Certificate
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
1100 Roma Ave, Hammond, LA 70403 5464
1 Year Share Certificate
$1,000
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Dividends compounded quarterly. Dividends are credited quarterly.
LES
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
950 N 22nd St Ste C, Baton Rouge, LA 70802
1 year Education IRA
$0
3.77%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.94% above avg
Details
LES
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
950 N 22nd St Ste C, Baton Rouge, LA 70802
1 year IRA
$0
3.77%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.94% above avg
Details
LES
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
950 N 22nd St Ste C, Baton Rouge, LA 70802
1 year Roth IRA
$0
3.77%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.94% above avg
Details
LES
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
950 N 22nd St Ste C, Baton Rouge, LA 70802
1 year Share Certificate
$500
3.77%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.94% above avg
Details
Pd at Maturity
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
4400 Maplewood Dr, Sulphur, LA 70663
IRA Certificate Accounts 1 Year
$500
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
12 Month CD
$2,500
3.75%
▲ 0.92% above national avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
1512 Gause Blvd, Slidell, LA 70458
1-Year Certificate Special
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Special offer
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1221 Elmwood Park Blvd, Harahan, LA 70123
12 Months
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
701 Poydras St Ste P140, New Orleans, LA 70139
1 Year
$500
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Compounded / Credited: Monthly/Monthly
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
12 Month
$0
3.74%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.91% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
YOUth Boost 12-Month
$0
3.74%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.91% above avg
Details
First American Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
2785 Highway 20, Vacherie, LA 70090
12 Month CD
$0
3.65%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.82% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
8400 Mansfield Rd, Shreveport, LA 71108
12 months
$0
3.65%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.82% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
8400 Mansfield Rd, Shreveport, LA 71108
IRA Certificate 12 month
$0
3.65%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.82% above avg
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
4400 Maplewood Dr, Sulphur, LA 70663
1 Year Share Certificate
$500
3.65%
▲ 0.82% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.82% above avg
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
700 Main St, Baton Rouge, LA 70802 5501
1-Year Thrifty Saver Share Certificate
$1,500
3.65%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.82% above avg
Details
Dividends Posted: Monthly
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
433 Metairie Rd, Metairie, LA 70005
12 Month CD
$50
3.61%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.78% above avg
Details
UCB Raceland, LA
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
4626 Highway 1, Raceland, LA 70394
12 Month Certificate
$1,000
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
Annual Percentage Yield (APY) accurate as of 4/23/2026 and may change at any time. A $1,000 minimum deposit required to open and earn the stated APY. Interest on CDs 12 months or less will be paid at maturity. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Landmark Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.10%
12225 Saint Helena St, Clinton, LA 70722
12-Month CD
$0
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
2000 LAKESHORE DR, NEW ORLEANS, LA 70148 3520
12 Month (1 Year) Certificate
$0
3.58%
▲ 0.75% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.75% above avg
Details
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
13800 Old Gentilly Rd Bldg 101, New Orleans, LA 70129
12 months
$0
3.56%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.73% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
12 Months
$2,500
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
IRA Certificate 1 Year
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
IRA Certificate 1 Year Variable
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
IRA Certificates 1 Year
$500
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
IRA Certificates 1 Year Variable
$500
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6230 Perkins Rd, Baton Rouge, LA 70808
12 months
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Dividends credited quarterly
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
433 Metairie Rd, Metairie, LA 70005
12 Month CD
$10
3.51%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$10
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.68% above avg
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
515 Guilbeau Rd, Lafayette, LA 70506 6089
12 Month IRA
$50
3.50%
▲ 0.67% above national avg
▼
Rate3.50%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
515 Guilbeau Rd, Lafayette, LA 70506 6089
Share Certificate - 12 Months
$2,500
3.50%
▲ 0.67% above national avg
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
21925 Highway 1, Plaquemine, LA 70764 5132
12-month Certificates
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Dividends are paid out either monthly or quarterly. Early withdrawals are subject to penalty. Upon maturity, certificate will renew at the current rate at the time of renewal.
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
4321 Nelson Rd, Lake Charles, LA 70605 4119
Share Certificate 1-Year
$0
3.40%
▲ 0.57% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.57% above avg
Details
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
433 Metairie Rd, Metairie, LA 70005
12 Month CD
$500
3.40%
▲ 0.57% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.57% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Healthy Kids Club 12 months
$500
3.40%
▲ 0.57% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.57% above avg
Details
Healthy Kids Club
Louisiana 18 Month CD Rates
MonitorBankRates National Average — 18 Month CD2.68% APY▲ 0.04% from last week
The national average 18-month CD rate is 2.68% APY as of September 2, 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
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4361 Youree Dr, Shreveport, LA 71105
18-Month Certificate
$0
3.90%
▲ 1.22% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
18 Month Certificate
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
2235 S College Rd, Lafayette, LA 70508
18-Month Certificate
$0
3.80%
▲ 1.12% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
380 S Franklin St, Bastrop, LA 71220
18 Months
$0
3.76%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.08% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1221 Elmwood Park Blvd, Harahan, LA 70123
IRA Share Certificates 18 Months
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
18 Month Certificate
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
8400 Mansfield Rd, Shreveport, LA 71108
18 months
$0
3.70%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
8400 Mansfield Rd, Shreveport, LA 71108
IRA Certificate 18 month
$0
3.70%
▲ 1.02% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
13800 Old Gentilly Rd Bldg 101, New Orleans, LA 70129
18 months
$0
3.66%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.98% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificate 18 Months
$0
3.64%
▲ 0.96% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.96% above avg
Details
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
433 Metairie Rd, Metairie, LA 70005
18 Month CD
$50
3.61%
▲ 0.93% above national avg
▼
Rate3.55%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.93% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
18 Months
$2,500
3.60%
▲ 0.92% above national avg
▼
Rate3.55%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
IRA Certificate 18 Months
$0
3.60%
▲ 0.92% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
IRA Certificates 18 Months
$500
3.60%
▲ 0.92% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
Traditional - Variable Rate (18 month)
$100
3.55%
▲ 0.87% above national avg
▼
Rate3.50%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
433 Metairie Rd, Metairie, LA 70005
18 Month CD
$10
3.51%
▲ 0.83% above national avg
▼
Rate3.45%
Min Deposit$10
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.83% above avg
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6230 Perkins Rd, Baton Rouge, LA 70808
18 months
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Dividends credited quarterly
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
21925 Highway 1, Plaquemine, LA 70764 5132
18-month Certificates
$0
3.50%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Dividends are paid out either monthly or quarterly. Early withdrawals are subject to penalty. Upon maturity, certificate will renew at the current rate at the time of renewal.
UCB Raceland, LA
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
4626 Highway 1, Raceland, LA 70394
18 Month Certificate
$1,000
3.41%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.73% above avg
Details
Annual Percentage Yield (APY) accurate as of 4/23/2026 and may change at any time. A $1,000 minimum deposit required to open and earn the stated APY. Interest on CDs longer than 12 months will be paid annually. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
433 Metairie Rd, Metairie, LA 70005
18 Month CD
$500
3.40%
▲ 0.72% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.72% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
Roth IRA - Variable Rate (18 mo)
$100
3.29%
▲ 0.61% above national avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.61% above avg
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
18 Month IRA
$250
3.29%
▲ 0.61% above national avg
▼
Rate3.25%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.61% above avg
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
18 Month CD
$2,500
3.25%
▲ 0.57% above national avg
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1221 Elmwood Park Blvd, Harahan, LA 70123
18 Months
$0
3.25%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
123 N Oak St, Hammond, LA 70401
18 months
$0
3.05%
▲ 0.37% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.37% above avg
Details
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
4321 Nelson Rd, Lake Charles, LA 70605 4119
Share Certificate 18-Month
$0
2.84%
▲ 0.16% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.16% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
18 Month
$0
2.78%
▲ 0.10% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.10% above avg
Details
Compound: Quarterly
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
Roth IRA - Fixed Rate (18 mo)
$1,000
2.78%
▲ 0.10% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.10% above avg
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
1726 Oretha Castle Haley Blvd, New Orleans, LA 70113 1313
IRA 18-Month Certificate
$0
2.62%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.06% below avg
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6151 Hwy 10, Greensburg, LA 70441
18 Month
$500
2.60%
▼ 0.08% below national avg
▼
Rate2.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.08% below avg
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
I.R.A. 18-Month Variable
$0
2.52%
▼ 0.16% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.16% below avg
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Machen Dr, Springhill, LA 71075
Business 18 Months
$0
2.02%
▼ 0.66% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.66% below avg
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2536 Airline Dr, Bossier City, LA 71111
18 Months
$500
2.00%
▼ 0.68% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.68% below avg
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Machen Dr, Springhill, LA 71075
18 Month
$0
0.30%
▼ 2.38% below national avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 2.38% below avg
Details
Louisiana 24 Month CD Rates
MonitorBankRates National Average — 24 Month CD2.71% APY▲ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 2, 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
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
2201 Veterans Memorial Blvd, Metairie, LA 70002
24-month CD
$1,000
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
2-Year Certificate
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Dividends are calculated on a daily balance method and are compounded and credited monthly.
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4361 Youree Dr, Shreveport, LA 71105
24-Month Certificate
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus IRA Certificates 24 Month
$0
3.90%
▲ 1.19% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
13800 Old Gentilly Rd Bldg 101, New Orleans, LA 70129
24 months
$0
3.81%
▲ 1.10% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.10% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
24 Month
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
2 Years
$2,500
3.65%
▲ 0.94% above national avg
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.94% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
IRA Certificate 2 Years
$0
3.65%
▲ 0.94% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.94% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
IRA Certificates 2 Years
$500
3.65%
▲ 0.94% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.94% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificate 24 Months (2 Years)
$0
3.61%
▲ 0.90% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.90% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
24 Month Certificate
$0
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
1100 Roma Ave, Hammond, LA 70403 5464
2 Year Share Certificate
$1,000
3.55%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
Dividends compounded quarterly. Dividends are credited quarterly.
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6230 Perkins Rd, Baton Rouge, LA 70808
24 months
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Dividends credited quarterly
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1221 Elmwood Park Blvd, Harahan, LA 70123
IRA Share Certificates 24 Months
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
701 Poydras St Ste P140, New Orleans, LA 70139
Jumbo IRA & Share Certificate Accounts 2 Years
$0
3.50%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Compounded / Credited: Monthly/Monthly
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
24 Month Certificate
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5445 POINT CLAIR RD, CARVILLE, LA 70721
24-Month CD
$1,000
3.50%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Pays at Maturity
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
24 Month IRA
$250
3.44%
▲ 0.73% above national avg
▼
Rate3.40%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.73% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
8400 Mansfield Rd, Shreveport, LA 71108
24 months
$0
3.44%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.73% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
8400 Mansfield Rd, Shreveport, LA 71108
IRA Certificate 24 month
$0
3.44%
▲ 0.73% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.73% above avg
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
24 Month CD
$2,500
3.40%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6230 Perkins Rd, Baton Rouge, LA 70808
24 months
$0
3.40%
▲ 0.69% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details
Dividends credited quarterly
GEISMAR COMPLEX
Institution Rating:
A5.0 ★Texas Ratio: 3.75%
35294 Highway 30, Geismar, LA 70734
2 YEAR CERTIFICATE
$500
3.30%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
2000 LAKESHORE DR, NEW ORLEANS, LA 70148 3520
24 Month (2 Years) Certificate
$0
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
UCB Raceland, LA
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
4626 Highway 1, Raceland, LA 70394
24 Month Certificate
$1,000
3.25%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Annual Percentage Yield (APY) accurate as of 4/23/2026 and may change at any time. A $1,000 minimum deposit required to open and earn the stated APY. Interest on CDs longer than 12 months will be paid annually. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
2235 S College Rd, Lafayette, LA 70508
24 Month Certificate
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
4400 Maplewood Dr, Sulphur, LA 70663
Silver Share Certificates 2 Year
$500
3.19%
▲ 0.48% above national avg
▼
Rate3.14%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.48% above avg
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
4056 Ryan St, Lake Charles, LA 70605
24 Month Expandable
$100
3.10%
▲ 0.39% above national avg
▼
Rate3.06%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.39% above avg
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
4056 Ryan St, Lake Charles, LA 70605
24 Months
$500
3.10%
▲ 0.39% above national avg
▼
Rate3.06%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.39% above avg
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
2443 Texas Ave, Shreveport, LA 71103
CD - 2 Years
$1,000
3.04%
▲ 0.33% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.33% above avg
Details
At the end of the term, CD will automatically renew to the current rate.
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
4400 Maplewood Dr, Sulphur, LA 70663
IRA Certificate Accounts 2 Year
$500
3.03%
▲ 0.32% above national avg
▼
Rate2.99%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.32% above avg
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
515 Guilbeau Rd, Lafayette, LA 70506 6089
24 Month IRA
$50
3.00%
▲ 0.29% above national avg
▼
Rate3.00%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
515 Guilbeau Rd, Lafayette, LA 70506 6089
Share Certificate - 24 Months
$2,500
3.00%
▲ 0.29% above national avg
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1221 Elmwood Park Blvd, Harahan, LA 70123
24 Months
$0
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
701 Poydras St Ste P140, New Orleans, LA 70139
2 Years
$500
3.00%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details
Compounded / Credited: Monthly/Monthly
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
4400 Maplewood Dr, Sulphur, LA 70663
2 Year Share Certificate
$500
2.93%
▲ 0.22% above national avg
▼
Rate2.89%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.22% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1221 Elmwood Park Blvd, Harahan, LA 70123
24-Month Jump Up Share Certificates
$0
2.90%
▲ 0.19% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.19% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
24 Month
$0
2.78%
▲ 0.07% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.07% above avg
Details
Compound: Quarterly
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
Roth IRA - Fixed Rate (24 mo)
$1,000
2.78%
▲ 0.07% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.07% above avg
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6151 Hwy 10, Greensburg, LA 70441
2 Year
$500
2.75%
▲ 0.04% above national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.04% above avg
Details
Eureka Homestead
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1922 Veterans Memorial Blvd, Metairie, LA 70005
1-1/2 Year Certificate
$1,000
2.75%
▲ 0.04% above national avg
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.04% above avg
Details
Early Withdrawal Penalty: 6 months; Interest Calculation Method: Compound Daily 365/365
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
4321 Nelson Rd, Lake Charles, LA 70605 4119
Share Certificate 2-Year
$0
2.68%
▼ 0.03% below national avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.03% below avg
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
IRA Certificates 24 months
$500
2.63%
▼ 0.08% below national avg
▼
Rate2.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.08% below avg
Details
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4000 General Degaulle Dr, New Orleans, LA 70114
IRA Accounts 2 Year Step
$1,000
2.50%
▼ 0.21% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.21% below avg
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
4056 Ryan St, Lake Charles, LA 70605
IRA 24 Months
$500
2.50%
▼ 0.21% below national avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.21% below avg
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
I.R.A. 2-Year Fixed
$0
2.27%
▼ 0.44% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.44% below avg
Details
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
14963 River Rd, Hahnville, LA 70057
24 Months
$0
2.27%
▼ 0.44% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.44% below avg
Details
Minimum $1000.00 Share Certificates. Note: Early withdrawal penalties do apply to certificates.
Eureka Homestead
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1922 Veterans Memorial Blvd, Metairie, LA 70005
2 Year Certificate
$1,000
2.25%
▼ 0.46% below national avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.46% below avg
Details
Early Withdrawal Penalty: 6 months; Interest Calculation Method: Compound Daily 365/365
Eureka Homestead
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1922 Veterans Memorial Blvd, Metairie, LA 70005
2-1/2 Year Certificate
$1,000
2.25%
▼ 0.46% below national avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.46% below avg
Details
Early Withdrawal Penalty: 6 months; Interest Calculation Method: Compound Daily 365/365
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4000 General Degaulle Dr, New Orleans, LA 70114
IRA Accounts 2 1/2 Years
$1,000
2.25%
▼ 0.46% below national avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.46% below avg
Details
Louisiana 36 Month CD Rates
MonitorBankRates National Average — 36 Month CD2.66% APY▲ 0.03% from last week
The national average 36-month CD rate is 2.66% APY as of September 2, 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
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4361 Youree Dr, Shreveport, LA 71105
36-Month Certificate
$0
4.10%
▲ 1.44% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.44% above avg
Details
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
13800 Old Gentilly Rd Bldg 101, New Orleans, LA 70129
36 months
$0
4.07%
▲ 1.42% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.42% above avg
Details
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
3-Year Certificate
$500
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Dividends are calculated on a daily balance method and are compounded and credited monthly.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus IRA Certificates 36 Month
$0
3.86%
▲ 1.21% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
36 Month
$0
3.71%
▲ 1.06% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.06% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
3 Years
$2,500
3.70%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
IRA Certificate 3 Years
$0
3.70%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
IRA Certificates 3 Years
$500
3.70%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
36 Month Certificate
$0
3.60%
▲ 0.95% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificate 36 Months (3 Years)
$0
3.57%
▲ 0.92% above national avg
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.92% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
36 Month Certificate
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
8400 Mansfield Rd, Shreveport, LA 71108
36 months
$0
3.44%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
8400 Mansfield Rd, Shreveport, LA 71108
IRA Certificate 36 month
$0
3.44%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5445 POINT CLAIR RD, CARVILLE, LA 70721
36-Month CD
$1,000
3.40%
▲ 0.75% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.75% above avg
Details
Pays Monthly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6230 Perkins Rd, Baton Rouge, LA 70808
36 months
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Dividends credited quarterly
UCB Raceland, LA
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
4626 Highway 1, Raceland, LA 70394
36 Month Certificate
$1,000
3.25%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Annual Percentage Yield (APY) accurate as of 4/23/2026 and may change at any time. A $1,000 minimum deposit required to open and earn the stated APY. Interest on CDs longer than 12 months will be paid annually. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
515 Guilbeau Rd, Lafayette, LA 70506 6089
36 Month IRA
$50
3.25%
▲ 0.60% above national avg
▼
Rate3.25%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
515 Guilbeau Rd, Lafayette, LA 70506 6089
Share Certificate - 36 Months
$2,500
3.25%
▲ 0.60% above national avg
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1221 Elmwood Park Blvd, Harahan, LA 70123
IRA Share Certificates 36 Months
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
2235 S College Rd, Lafayette, LA 70508
36-Month Certificate
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
4056 Ryan St, Lake Charles, LA 70605
36 Month Expandable
$100
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
4056 Ryan St, Lake Charles, LA 70605
36 Months
$500
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
2000 LAKESHORE DR, NEW ORLEANS, LA 70148 3520
36 Month (3 Years) Certificate
$0
3.03%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.38% above avg
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
36 Month IRA
$250
3.03%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.38% above avg
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
36 Month CD
$2,500
3.00%
▲ 0.35% above national avg
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
123 N Oak St, Hammond, LA 70401
36 months
$0
2.90%
▲ 0.25% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.25% above avg
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6151 Hwy 10, Greensburg, LA 70441
3 Year
$500
2.75%
▲ 0.10% above national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
701 Poydras St Ste P140, New Orleans, LA 70139
3 Years
$500
2.75%
▲ 0.10% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Compounded / Credited: Monthly/Monthly
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
701 Poydras St Ste P140, New Orleans, LA 70139
Jumbo IRA & Share Certificate Accounts 3 Years
$0
2.75%
▲ 0.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Compounded / Credited: Monthly/Monthly
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
4056 Ryan St, Lake Charles, LA 70605
IRA 36 Months
$500
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
IRA Certificates 36 months
$500
2.63%
▼ 0.02% below national avg
▼
Rate2.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.02% below avg
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
I.R.A. 3-Year Fixed
$0
2.52%
▼ 0.13% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.13% below avg
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
I.R.A. 3-Year Variable
$0
2.52%
▼ 0.13% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.13% below avg
Details
Valex Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.18%
2495 Shreveport Hwy, Pineville, LA 71360
36 Month Share Certificate
$500
2.50%
▼ 0.15% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.15% below avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1221 Elmwood Park Blvd, Harahan, LA 70123
36 Months
$0
2.45%
▼ 0.20% below national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.20% below avg
Details
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
14963 River Rd, Hahnville, LA 70057
36 Months
$0
2.42%
▼ 0.23% below national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.23% below avg
Details
Minimum $1000.00 Share Certificates. Note: Early withdrawal penalties do apply to certificates.
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
4400 Maplewood Dr, Sulphur, LA 70663
Silver Share Certificates 3 Year
$500
2.37%
▼ 0.28% below national avg
▼
Rate2.34%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.28% below avg
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
3 years Bump Rate
$0
2.22%
▼ 0.43% below national avg
▼
Rate2.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.43% below avg
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
4400 Maplewood Dr, Sulphur, LA 70663
IRA Certificate Accounts 3 Year
$500
2.21%
▼ 0.44% below national avg
▼
Rate2.19%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.44% below avg
Details
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
4321 Nelson Rd, Lake Charles, LA 70605 4119
Share Certificate 3-Year
$0
2.12%
▼ 0.53% below national avg
▼
Rate2.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.53% below avg
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
4400 Maplewood Dr, Sulphur, LA 70663
3 Year
$0
2.11%
▼ 0.54% below national avg
▼
Rate2.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.54% below avg
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
4400 Maplewood Dr, Sulphur, LA 70663
3 Year Share Certificate
$500
2.11%
▼ 0.54% below national avg
▼
Rate2.09%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.54% below avg
Details
American Bank & Trust Company LA
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
307 E Landry St, Opelousas, LA 70570
36 Month CD
$1,000
2.07%
▼ 0.59% below national avg
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.59% below avg
Details
monthly check or transfer to account
American Bank & Trust Company LA
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
307 E Landry St, Opelousas, LA 70570
36 Month IRA
$250
2.07%
▼ 0.59% below national avg
▼
Rate2.05%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.59% below avg
Details
quarterly add-on
Eureka Homestead
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1922 Veterans Memorial Blvd, Metairie, LA 70005
3 Year Certificate
$1,000
2.00%
▼ 0.65% below national avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.65% below avg
Details
Early Withdrawal Penalty: 12 months; Interest Calculation Method: Compound Daily 365/365
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4000 General Degaulle Dr, New Orleans, LA 70114
IRA Accounts 3 Years
$1,000
2.00%
▼ 0.65% below national avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.65% below avg
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Machen Dr, Springhill, LA 71075
Business 36 Months
$0
1.00%
▼ 1.65% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.65% below avg
Details
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
303 Edgewood Dr, Pineville, LA 71360 5444
IRA Share Certificate 3 Years
$0
0.70%
▼ 1.95% below national avg
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.95% below avg
Details
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
1512 Gause Blvd, Slidell, LA 70458
3-Year Certificate
$0
0.60%
▼ 2.05% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.05% below avg
Details
Balance: $100,000+
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Machen Dr, Springhill, LA 71075
36 Month
$0
0.50%
▼ 2.16% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.16% below avg
Details
Louisiana 48 Month CD Rates
MonitorBankRates National Average — 48 Month CD2.66% APY▲ 0.04% from last week
The national average 48-month CD rate is 2.66% APY as of September 2, 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
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4361 Youree Dr, Shreveport, LA 71105
48-Month Certificate
$0
4.15%
▲ 1.49% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.49% above avg
Details
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
4-Year Certificate
$500
4.00%
▲ 1.34% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details
Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Dividends are calculated on a daily balance method and are compounded and credited monthly.
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificate 48 Months (4 Years)
$0
4.00%
▲ 1.34% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus IRA Certificates 48 Month
$0
3.86%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
48 Month
$0
3.71%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
48 Month Certificate
$0
3.60%
▲ 0.94% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
48 Month Certificate
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
8400 Mansfield Rd, Shreveport, LA 71108
48 months
$0
3.44%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.78% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
8400 Mansfield Rd, Shreveport, LA 71108
IRA Certificate 48 month
$0
3.44%
▲ 0.78% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.78% above avg
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6230 Perkins Rd, Baton Rouge, LA 70808
48 months
$0
3.35%
▲ 0.69% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
Dividends credited quarterly
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
2235 S College Rd, Lafayette, LA 70508
48-Month Certificate
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5445 POINT CLAIR RD, CARVILLE, LA 70721
48-Month CD
$10,000
3.05%
▲ 0.39% above national avg
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
Details
New Money Only, Pays Monthly
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
48 Month Bump IRA
$250
3.03%
▲ 0.37% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.37% above avg
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
48 Month Bump CD
$2,500
3.00%
▲ 0.34% above national avg
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
123 N Oak St, Hammond, LA 70401
48 months
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6151 Hwy 10, Greensburg, LA 70441
4 Year
$500
2.85%
▲ 0.19% above national avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.19% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
48 Month
$0
2.52%
▼ 0.14% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.14% below avg
Details
Compound: Quarterly
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1221 Elmwood Park Blvd, Harahan, LA 70123
48 Months
$0
2.35%
▼ 0.31% below national avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.31% below avg
Details
Eureka Homestead
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1922 Veterans Memorial Blvd, Metairie, LA 70005
4 Year Certificate
$1,000
2.00%
▼ 0.66% below national avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.66% below avg
Details
Early Withdrawal Penalty: 12 months; Interest Calculation Method: Compound Daily 365/365
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4000 General Degaulle Dr, New Orleans, LA 70114
IRA Accounts 4 Years
$1,000
2.00%
▼ 0.66% below national avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.66% below avg
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Machen Dr, Springhill, LA 71075
Business 48 Months
$0
1.00%
▼ 1.66% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.66% below avg
Details
Louisiana 60 Month CD Rates
MonitorBankRates National Average — 60 Month CD2.76% APY▲ 0.03% from last week
The national average 60-month CD rate is 2.76% APY as of September 2, 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
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4361 Youree Dr, Shreveport, LA 71105
60-Month Certificate
$0
4.20%
▲ 1.44% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.44% above avg
Details
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
13800 Old Gentilly Rd Bldg 101, New Orleans, LA 70129
60 months
$0
4.07%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.31% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
Bonus IRA Certificates 60 Month
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA 70615 5157
60 Month
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.05% above avg
Details
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
5-Year Certificate
$500
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Dividends are calculated on a daily balance method and are compounded and credited monthly.
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5445 POINT CLAIR RD, CARVILLE, LA 70721
60-Month CD
$10,000
3.75%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
New Money Only, Pays Monthly
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
5 Years
$2,500
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.94% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
IRA Certificate 5 Years
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.94% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
IRA Certificates 5 Years
$500
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.94% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificate 60 Months (5 Years)
$0
3.64%
▲ 0.88% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.88% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
60 Month Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6230 Perkins Rd, Baton Rouge, LA 70808
60 months
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.69% above avg
Details
Dividends credited quarterly
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
8400 Mansfield Rd, Shreveport, LA 71108
60 months
$0
3.44%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.68% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
8400 Mansfield Rd, Shreveport, LA 71108
IRA Certificate 60 month
$0
3.44%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.68% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
Roth IRA - Variable Rate (60 mo)
$100
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.53% above avg
Details
UCB Raceland, LA
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
4626 Highway 1, Raceland, LA 70394
60 Month Certificate
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Annual Percentage Yield (APY) accurate as of 4/23/2026 and may change at any time. A $1,000 minimum deposit required to open and earn the stated APY. Interest on CDs longer than 12 months will be paid annually. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1221 Elmwood Park Blvd, Harahan, LA 70123
IRA Share Certificates 60 Months
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
2235 S College Rd, Lafayette, LA 70508
60-Month Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
2000 LAKESHORE DR, NEW ORLEANS, LA 70148 3520
60 Month (5 Years) Certificate
$0
3.03%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.27% above avg
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
60 Month Bump IRA
$250
3.03%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.27% above avg
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1725 Sullivan Dr, Bogalusa, LA 70427
60 Month Bump CD
$2,500
3.00%
▲ 0.24% above national avg
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6151 Hwy 10, Greensburg, LA 70441
5 Year
$500
2.95%
▲ 0.19% above national avg
▼
Rate2.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.19% above avg
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
2443 Texas Ave, Shreveport, LA 71103
CD - 5 Years
$1,000
2.79%
▲ 0.03% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.03% above avg
Details
At the end of the term, CD will automatically renew to the current rate.
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
701 Poydras St Ste P140, New Orleans, LA 70139
5 Years
$500
2.75%
▼ 0.01% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.01% below avg
Details
Compounded / Credited: Monthly/Monthly
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
701 Poydras St Ste P140, New Orleans, LA 70139
Jumbo IRA & Share Certificate Accounts 5 Years
$0
2.75%
▼ 0.01% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.01% below avg
Details
Compounded / Credited: Monthly/Monthly
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
1726 Oretha Castle Haley Blvd, New Orleans, LA 70113 1313
IRA 60-Month Certificate
$0
2.67%
▼ 0.09% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.09% below avg
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
I.R.A. 5-Year Fixed
$0
2.52%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.24% below avg
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
I.R.A. 5-Year Variable
$0
2.52%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.24% below avg
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
60 Month
$0
2.52%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.24% below avg
Details
Compound: Semi-Annual
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
Roth IRA - Fixed Rate (60 mo)
$1,000
2.52%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.24% below avg
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2536 Airline Dr, Bossier City, LA 71111
60 Months
$500
2.50%
▼ 0.26% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.26% below avg
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
5 years Bump Rate
$0
2.42%
▼ 0.34% below national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.34% below avg
Details
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
4321 Nelson Rd, Lake Charles, LA 70605 4119
Share Certificate 5-Year
$0
2.27%
▼ 0.49% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.49% below avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1221 Elmwood Park Blvd, Harahan, LA 70123
60 Months
$0
2.25%
▼ 0.51% below national avg
▼
Rate2.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.51% below avg
Details
Eureka Homestead
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1922 Veterans Memorial Blvd, Metairie, LA 70005
5 Year Certificate
$1,000
2.00%
▼ 0.76% below national avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.76% below avg
Details
Early Withdrawal Penalty: 12 months; Interest Calculation Method: Compound Daily 365/365
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4000 General Degaulle Dr, New Orleans, LA 70114
IRA Accounts 5 Years
$1,000
2.00%
▼ 0.76% below national avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.76% below avg
Details
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
303 Edgewood Dr, Pineville, LA 71360 5444
IRA Share Certificate 5 Years
$0
1.15%
▼ 1.61% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.61% below avg
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Machen Dr, Springhill, LA 71075
Business 60 Months
$0
1.00%
▼ 1.76% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.76% below avg
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Machen Dr, Springhill, LA 71075
60 Month
$0
0.70%
▼ 2.06% below national avg
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 2.06% below avg
Details
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
1512 Gause Blvd, Slidell, LA 70458
5-Year Certificate
$0
0.70%
▼ 2.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 2.06% below avg
Details
Balance: $100,000+
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
1512 Gause Blvd, Slidell, LA 70458
5-Year Certificate
$0
0.35%
▼ 2.41% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 2.41% below avg
Details
Balance: $2,000-$99,999
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Louisiana CD Rate Trends
Compare local Louisiana CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — LA Avg
2.833%
▼ 0.290 vs 7 days ago
Louisiana 12-month CD rates fell 0.290 points over the past 7 days to 2.833% APY.
6-Month CD — LA Avg
2.672%
▼ 0.197 vs 7 days ago
Louisiana 6-month CD rates fell 0.197 points over the past 7 days to 2.672% APY.
As of Sep 2, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
LA CD Rate Forecast — Next 12 Months
Where are Louisiana CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
LA 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%
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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 | 1.964% | $98.19 | $196.38 | $490.95 | $981.90 |
| 6-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 12-Month CD | 2.833% | $141.64 | $283.28 | $708.20 | $1,416.40 |
| 18-Month CD | 2.677% | $133.84 | $267.67 | $669.18 | $1,338.35 |
| 24-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 36-Month CD | 2.655% | $132.75 | $265.50 | $663.75 | $1,327.50 |
| 48-Month CD | 2.657% | $132.83 | $265.66 | $664.15 | $1,328.30 |
| 60-Month CD | 2.760% | $138.00 | $276.00 | $690.00 | $1,380.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 31, 2026. | |||||
Sample CD Ladder for Louisiana Savers
$25,000 split equally across 5 terms using today’s Louisiana average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | LA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.964% | $98.19 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.62 |
| 3 | 12-Month CD | $5,000 | 2.833% | $141.64 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.57 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.75 |
| Total ($25,000 invested) | $25,000 | 2.567% blended | $641.77/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.
308
CD Rates
Tracked in Louisiana
Tracked in Louisiana
19 Banks
31 Credit Unions
About Our Louisiana CD Rate Database
MonitorBankRates tracks 308 CD rates from 19 banks and 31 credit unions with locations in Louisiana, plus national online institutions available to Louisiana residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: GEISMAR COMPLEX offers a CD at 4.33% APY with a minimum deposit of $500. 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 31 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 — 50 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Louisiana savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare Louisiana money market rates
Louisiana Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
16.7%
National avg: 17.3%
Median Individual Earnings
$40,534
National avg: $47,340
Poverty Rate
18.9%
National avg: 11.1%
Unemployment Rate
6.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$115/yr
At LA 12-mo avg 2.833% APY
16.7% of residents are 65 or older — below the national average of 17.3%. At today’s LA 12-month CD average of 2.833%, saving 10% of the local median salary ($4,053/year) and putting it in a CD would earn an additional $115 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Louisiana
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Louisiana
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Louisiana typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Louisiana as everywhere in the U.S.
Choosing a CD Term in Louisiana
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Louisiana savers easier access to their funds. For example, Red River Employees Federal Credit Union is offering its 6 Month TEAL Certificate (Age 0-17) at 4.07% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ANECA Federal Credit Union is offering its 60-Month Certificate at 4.20% 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:
- GEISMAR COMPLEX: 4.33% APY (1 YEAR CERTIFICATE)
- Crescent Bank: 4.25% APY (24-month CD)
- ANECA Federal Credit Union: 4.20% APY (60-Month Certificate)
- Noda Federal Credit Union: 4.07% APY (36 months)
- Red River Employees Federal Credit Union: 4.07% APY (6 Month TEAL Certificate (Age 0-17))
- Baton Rouge Telco Federal Credit Union: 4.00% APY (1-Year Certificate)
- Neighbors Federal Credit Union: 4.00% APY (IRA Certificate 48 Months (4 Years))
- Chevron Federal Credit Union: 4.00% APY (12 Month Certificate)
- Northrop Grumman Federal Credit Union: 3.97% APY (Bonus IRA Certificates 60 Month)
- Access Of Louisiana Federal Credit Union: 3.91% APY (Silver Share Certificates 1 Year)
Rates reflect recent verified offers available in Louisiana. Last Updated: August 31, 2026
Louisiana CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Louisiana rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Louisiana
Louisiana CD Calculator
At today’s LA top rate of 4.33% APY, a $10,000 deposit earns $433 in the first year. Enter your amount to see your exact return.
Louisiana CD LadderLA CD rates currently range from 1.964% (3-month) to 2.655% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Louisiana CD at 4.33% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsLouisiana’s average 12-month CD is 2.833% 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: August 31, 2026
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