Louisiana CD Rates Today - Compare Best APYs for July 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Louisiana CD rates include ADVANCIALADVANCIAL306 E Kaliste Saloom Rd, Lafayette, LA 70508A+5.0 ★Texas Ratio: 9.94%Real return: +1.54%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates 5 years at 4.34% APY, Post Office Employees Credit UnionPost Office Employees Credit Union4624 W Napoleon Ave, Metairie, LA 70001 2492A+5.0 ★Texas Ratio: 0.97%Real return: +1.53%APY minus CPI (February 2026) offering 12-Month Share Certificate at 4.33% APY, 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, Baton Rouge Telco Federal Credit UnionBaton Rouge Telco Federal Credit Union13404 Airline Hwy, Baton Rouge, LA 70817 5917A+5.0 ★Texas Ratio: 3.28%Real return: +1.20%APY minus CPI (February 2026) offering 1-Year Certificate at 4.00% APY, and BAYOU COMMUNITYBAYOU COMMUNITY5445 POINT CLAIR RD, CARVILLE, LA 70721A+5.0 ★Texas Ratio: 2.31%Real return: +1.05%APY minus CPI (February 2026) offering 12-Month CD at 3.85% APY. CD rates as of July 12, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Louisiana side-by-side. Louisiana CD rates currently reach as high as 4.34% APY from ADVANCIAL at 306 E Kaliste Saloom Rd, Lafayette, LA 70508. 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: July 12, 2026
Compare Best CD Rates in Louisiana
Louisiana 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Penalties for early withdrawals may apply. Fees may reduce earnings on the account.
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
Share Certificate 3 Months
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Certificates 3 months
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate1.74%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Pays Monthly
Louisiana 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
6-Month Share Certificate
$0
4.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
**
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
6-Month Share Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
**
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
6-Month Share Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Penalties for early withdrawals may apply. Fees may reduce earnings on the account.
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4361 Youree Dr, Shreveport, LA 71105
6-Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 7.56%
1091 Thomas Rd, West Monroe, LA 71292 5821
6 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Pays 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 Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
6-Month Share Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
**
GEISMAR COMPLEX
Institution Rating:
A5.0 ★Texas Ratio: 3.75%
35294 Highway 30, Geismar, LA 70734
6 MONTH CERTIFICATE
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 6, 2026
Details
Effective Date: 04/24/2026; Dividends Credited: Monthly
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
6303 Esler Field Rd, Pineville, LA 71360 3790
IRA Certificate (Traditional or Roth) 6 Months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Dividends are paid out either monthly or quarterly. Upon maturity, certificate will renew at the current rate at the time of renewal. Federally Insured by NCUA.
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
6 Months
$2,500
3.50%
▼
Rate3.47%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
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
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
6-Month Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Pd at Maturity
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
701 Poydras St Ste P140, New Orleans, LA 70139
IRA & Share Certificate Accounts 6 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
CenLA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
708 Jackson St, Alexandria, LA 71301
Share Certificate Account 6 months
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
6-Month Share Certificate
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
Roth IRA - Fixed Rate (6 mo)
$0
2.77%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
IRA Certificate 6 months
$500
2.63%
▼
Rate2.60%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
APY = Annual Percentage Yield. APY is Instep's current rate. Effective Date: 7/6/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Credit Union Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account.
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Certificates 6 months
$0
2.47%
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
6 months
$0
2.45%
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit - Special Offers 6 months
$500
2.45%
▼
Rate2.42%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Dividends Paid Monthly
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit 6 months
$0
2.45%
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
Share Certificate 6 Months
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Acadian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
102 Sunbeam Ln, Lafayette, LA 70506 1521
Share Certificate 6 months
$1,000
1.76%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
6-Month Fixed
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Acadian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
102 Sunbeam Ln, Lafayette, LA 70506 1521
Share Certificate 6 months
$1,000
1.46%
▼
Rate1.45%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
9101 Hwy 3125, Convent, LA 70723
Share Certificates/CDs - 6 Months
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Sewerage And Water Board Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.00%
625 Saint Joseph St # B13, New Orleans, LA 70165 6500
6 months
$0
0.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Louisiana 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
12-Month Share Certificate
$0
4.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
**
GEISMAR COMPLEX
Institution Rating:
A5.0 ★Texas Ratio: 3.75%
35294 Highway 30, Geismar, LA 70734
1 YEAR CERTIFICATE
$500
4.33%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
12-Month Share Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Penalties for early withdrawals may apply. Fees may reduce earnings on the account.
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%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
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)
$100,000
3.85%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
Pays 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 Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
12-Month Share Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Pd at Maturity
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%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJul 10, 2026
Details
Dividends compounded quarterly. Dividends are credited quarterly.
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%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
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%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Pd at Maturity
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
1512 Gause Blvd, Slidell, LA 70458
1-Year Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4361 Youree Dr, Shreveport, LA 71105
12-Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
12-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 26, 2026
Details
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
701 Poydras St Ste P140, New Orleans, LA 70139
IRA & Share Certificate Accounts 1 Year
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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
IRA Certificate 12 Month
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
6303 Esler Field Rd, Pineville, LA 71360 3790
IRA Certificate (Traditional or Roth) 1 Year
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
12-Month Share Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
**
CenLA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
708 Jackson St, Alexandria, LA 71301
Share Certificate Account 12 months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
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%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Dividends are paid out either monthly or quarterly. Upon maturity, certificate will renew at the current rate at the time of renewal. Federally Insured by NCUA.
First American Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
2785 Highway 20, Vacherie, LA 70090
12 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 7.56%
1091 Thomas Rd, West Monroe, LA 71292 5821
IRA Certificate 12 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 7.56%
1091 Thomas Rd, West Monroe, LA 71292 5821
12 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
See branch for details.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit - Special Offers 12 months
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Dividends Paid Monthly
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit 12 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
12 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
9101 Hwy 3125, Convent, LA 70723
Share Certificates/CDs - 12 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
Share Certificate 1 Year (Super Jumbo)
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4000 General Degaulle Dr, New Orleans, LA 70114
IRA Accounts 1 Year
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
12 months
$100
3.30%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedJul 7, 2026
Details
Dividends Paid Monthly
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Pulse Certificate 12 months
$100
3.30%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedJul 7, 2026
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
12-Month Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
**
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
12 Months
$2,500
3.25%
▼
Rate3.21%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
Acadian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
102 Sunbeam Ln, Lafayette, LA 70506 1521
Share Certificate 12 months
$1,000
3.20%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
Share Certificate 1 Year (Jumbo)
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
12-Month Share Certificate
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
**
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
12 Month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
Roth IRA - Fixed Rate (12 mo)
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Louisiana 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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)
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4361 Youree Dr, Shreveport, LA 71105
18-Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit - Special Offers 18 months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Dividends Paid Monthly
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
21925 Highway 1, Plaquemine, LA 70764 5132
18-month Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Dividends are paid out either monthly or quarterly. Upon maturity, certificate will renew at the current rate at the time of renewal. Federally Insured by NCUA.
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%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Dividends credited quarterly
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
18 months
$100
3.40%
▼
Rate3.35%
Min Deposit$100
Min Balance—
UpdatedJul 7, 2026
Details
Dividends Paid Monthly
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Pulse Certificate 18 months
$100
3.40%
▼
Rate3.35%
Min Deposit$100
Min Balance—
UpdatedJul 7, 2026
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
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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)
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 7.56%
1091 Thomas Rd, West Monroe, LA 71292 5821
18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 7.56%
1091 Thomas Rd, West Monroe, LA 71292 5821
IRA Certificate 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Acadian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
102 Sunbeam Ln, Lafayette, LA 70506 1521
Share Certificate 18 months
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Acadian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
102 Sunbeam Ln, Lafayette, LA 70506 1521
Share Certificate 18 months
$1,000
2.94%
▼
Rate2.90%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Certificates 18 months
$0
2.87%
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
IRA Certificate 18 Months
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
1100 Roma Ave, Hammond, LA 70403 5464
Traditional & ROTH IRA 18 MONTH CERTIFICATE
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividends compounded quarterly. Dividends are credited quarterly. APY = Annual Percentage Yield. Matures with principal and interest renewing automatically. IRA accounts may be withdrawn from; however, any withdrawals may be subject to penalties imposed by the credit union and/or the internal revenue service. Contact a credit union employee for more information. The IRA Certificate Account is a term share account. The Annual Percentage Yield is fixed at the time you make the initial deposit to open or renew the account, and will not change during the term of the Certificate. Dividends earned are posted and compounded quarterly. Early withdrawal penalties apply. You should consult your tax professional to see which specific tax advantages apply to your situation.
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
18 Month
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
Roth IRA - Fixed Rate (18 mo)
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
18 Months
$2,500
2.70%
▼
Rate2.67%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
18-Month Variable
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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
2.48%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
18 months
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2536 Airline Dr, Bossier City, LA 71111
18 Months
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Louisiana 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
24-Month Share Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Penalties for early withdrawals may apply. Fees may reduce earnings on the account.
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
24-Month Share Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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 Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
Share Certificate 2 Years (Super Jumbo)
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
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
IRA Certificate 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
24-Month Share Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
**
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
24 months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit - Special Offers 24 months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Dividends Paid Monthly
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit 24 months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
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%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJul 10, 2026
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%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Dividends credited quarterly
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4361 Youree Dr, Shreveport, LA 71105
24-Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Compounded / Credited: Monthly/Monthly
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%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Pays at Maturity
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
6303 Esler Field Rd, Pineville, LA 71360 3790
IRA Certificate (Traditional or Roth) 2 Years
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
24 months
$100
3.44%
▼
Rate3.39%
Min Deposit$100
Min Balance—
UpdatedJul 7, 2026
Details
Dividends Paid Monthly
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Pulse Certificate 24 months
$100
3.44%
▼
Rate3.39%
Min Deposit$100
Min Balance—
UpdatedJul 7, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
Share Certificate 2 Years (Jumbo)
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
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%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Dividends credited quarterly
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Jumbo Certificates 2 years
$0
3.36%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
24-Month Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
**
GEISMAR COMPLEX
Institution Rating:
A5.0 ★Texas Ratio: 3.75%
35294 Highway 30, Geismar, LA 70734
2 YEAR CERTIFICATE
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Junior Jumbo Certificates 2 years
$0
3.26%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
2235 S College Rd, Lafayette, LA 70508
24-Month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 7.56%
1091 Thomas Rd, West Monroe, LA 71292 5821
24 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 7.56%
1091 Thomas Rd, West Monroe, LA 71292 5821
IRA Certificate 24 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
Share Certificate 2 Years (Mini-Jumbo)
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Certificates 2 years
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
CenLA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
708 Jackson St, Alexandria, LA 71301
Share Certificate Account 24 months
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
24-Month Share Certificate
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
**
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
701 Poydras St Ste P140, New Orleans, LA 70139
IRA & Share Certificate Accounts 2 Years
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Compounded / Credited: Monthly/Monthly
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
IRA Certificate 24 months
$500
2.89%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
APY = Annual Percentage Yield. APY is Instep's current rate. Effective Date: 7/6/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Credit Union Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account.
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
Share Certificate 2 Years
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Acadian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
102 Sunbeam Ln, Lafayette, LA 70506 1521
Share Certificate 24 months
$1,000
2.79%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
Roth IRA - Fixed Rate (24 mo)
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4624 W Napoleon Ave, Metairie, LA 70001 2492
24-Month Share Certificate
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Early Withdrawal Penalty: 6 months; Interest Calculation Method: Compound Daily 365/365
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
IRA Certificate 2 Years
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
2 Years
$2,500
2.55%
▼
Rate2.53%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
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
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Acadian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
102 Sunbeam Ln, Lafayette, LA 70506 1521
Share Certificate 24 months
$1,000
2.43%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
2-Year Fixed
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Early Withdrawal Penalty: 6 months; Interest Calculation Method: Compound Daily 365/365
Louisiana 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Penalties for early withdrawals may apply. Fees may reduce earnings on the account.
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 Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Jumbo Certificates 3 years
$0
3.68%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
Share Certificate 3 Years (Super Jumbo)
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Junior Jumbo Certificates 3 years
$0
3.58%
▼
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit - Special Offers 36 months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Dividends Paid Monthly
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit 36 months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
36 months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
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
IRA Certificate 36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4361 Youree Dr, Shreveport, LA 71105
36-Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Certificates 3 years
$0
3.47%
▼
Rate3.42%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
Share Certificate 3 Years (Jumbo)
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
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%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Pays Monthly
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
6303 Esler Field Rd, Pineville, LA 71360 3790
IRA Certificate (Traditional or Roth) 3 Years
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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
36-Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 7.56%
1091 Thomas Rd, West Monroe, LA 71292 5821
36 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 7.56%
1091 Thomas Rd, West Monroe, LA 71292 5821
IRA Certificate 36 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
Share Certificate 3 Years (Mini-Jumbo)
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
CenLA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
708 Jackson St, Alexandria, LA 71301
IRA Certificate Account 3 year
$100
3.04%
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedJul 6, 2026
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
IRA Certificate 36 months
$500
2.89%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
APY = Annual Percentage Yield. APY is Instep's current rate. Effective Date: 7/6/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Credit Union Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account.
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
Share Certificate 3 Years
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
701 Poydras St Ste P140, New Orleans, LA 70139
IRA & Share Certificate Accounts 3 Years
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Compounded / Credited: Monthly/Monthly
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
IRA Certificate 3 Years
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
3-Year Fixed
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
3-Year Variable
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
3 Years
$2,500
2.30%
▼
Rate2.28%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
3 years
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
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
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Louisiana 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Penalties for early withdrawals may apply. Fees may reduce earnings on the account.
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Jumbo Certificates 4 years
$0
3.93%
▼
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Junior Jumbo Certificates 4 years
$0
3.83%
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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 Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Certificates 4 years
$0
3.72%
▼
Rate3.66%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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
IRA Certificate 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4361 Youree Dr, Shreveport, LA 71105
48-Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
48 months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit - Special Offers 48 months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Dividends Paid Monthly
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit 48 months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
6303 Esler Field Rd, Pineville, LA 71360 3790
IRA Certificate (Traditional or Roth) 4 Years
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Dividends credited quarterly
CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 7.56%
1091 Thomas Rd, West Monroe, LA 71292 5821
48 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 7.56%
1091 Thomas Rd, West Monroe, LA 71292 5821
IRA Certificate 48 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 11, 2026
Details
New Money Only, Pays Monthly
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
48 Month
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
4 years
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
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
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Louisiana 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Jumbo Certificates 5 years
$0
4.34%
▼
Rate4.26%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Junior Jumbo Certificates 5 years
$0
4.24%
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
306 E Kaliste Saloom Rd, Lafayette, LA 70508
Regular, IRA & Business Certificates 5 years
$0
4.14%
▼
Rate4.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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 Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Penalties for early withdrawals may apply. Fees may reduce earnings on the account.
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%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 11, 2026
Details
New Money Only, Pays 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
IRA Certificate 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4361 Youree Dr, Shreveport, LA 71105
60-Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit - Special Offers 60 months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Dividends Paid Monthly
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
Certificates of Deposit 60 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2739 W Church St, Hammond, LA 70401
60 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
6303 Esler Field Rd, Pineville, LA 71360 3790
IRA Certificate (Traditional or Roth) 5 Years
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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)
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 7.56%
1091 Thomas Rd, West Monroe, LA 71292 5821
60 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 7.56%
1091 Thomas Rd, West Monroe, LA 71292 5821
IRA Certificate 60 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
701 Poydras St Ste P140, New Orleans, LA 70139
IRA & Share Certificate Accounts 5 Years
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Compounded / Credited: Monthly/Monthly
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
IRA Certificate 5 Years
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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 60-Month Certificate
$0
2.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
5 years
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
5-Year Fixed
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
5-Year Variable
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
904 Carter St, Vidalia, LA 71373
Roth IRA - Fixed Rate (60 mo)
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2536 Airline Dr, Bossier City, LA 71111
60 Months
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
4743 Main St, Zachary, LA 70791
5 Years
$2,500
2.25%
▼
Rate2.23%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
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
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Louisiana CD Rate Trends
Compare local Louisiana CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — LA Avg
3.318%
▲ 0.296 vs 7 days ago
Louisiana 12-month CD rates rose 0.296 points over the past 7 days to 3.318% APY.
6-Month CD — LA Avg
3.296%
▲ 0.536 vs 7 days ago
Louisiana 6-month CD rates rose 0.536 points over the past 7 days to 3.296% APY.
As of Jul 14, 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 July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
LA 12-Month Avg APY
3.318%
6-Month Forecast
3.318%
Range: 3.12% – 3.47%
12-Month Forecast
3.068%
Range: 2.87% – 3.22%
Powered by
MonitorBankRates
What Your Savings Earn at LA CD Rates Today
Annual interest earnings at today’s Louisiana average APYs. State average used where available; national average as fallback.
| CD Term | LA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.992% | $149.62 | $299.23 | $748.08 | $1,496.15 |
| 6-Month CD | 3.296% | $164.82 | $329.63 | $824.08 | $1,648.15 |
| 12-Month CD | 3.318% | $165.90 | $331.79 | $829.48 | $1,658.95 |
| 18-Month CD | 3.083% | $154.14 | $308.28 | $770.70 | $1,541.40 |
| 24-Month CD | 3.107% | $155.36 | $310.71 | $776.78 | $1,553.55 |
| 36-Month CD | 3.016% | $150.80 | $301.59 | $753.98 | $1,507.95 |
| 48-Month CD | 3.215% | $160.75 | $321.50 | $803.75 | $1,607.50 |
| 60-Month CD | 3.049% | $152.43 | $304.86 | $762.15 | $1,524.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 12, 2026. | |||||
Sample CD Ladder for Louisiana Savers
$25,000 split equally across 5 terms using today’s Louisiana average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | LA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.992% | $149.62 |
| 2 | 6-Month CD | $5,000 | 3.296% | $164.82 |
| 3 | 12-Month CD | $5,000 | 3.318% | $165.90 |
| 4 | 24-Month CD | $5,000 | 3.107% | $155.36 |
| 5 | 36-Month CD | $5,000 | 3.016% | $150.80 |
| Total ($25,000 invested) | $25,000 | 3.146% blended | $786.50/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.
287
CD Rates
Tracked in Louisiana
Tracked in Louisiana
12 Banks
23 Credit Unions
About Our Louisiana CD Rate Database
MonitorBankRates tracks 287 CD rates from 12 banks and 23 credit unions with locations in Louisiana, plus national online institutions available to Louisiana residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: ADVANCIAL offers a CD at 4.34% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Louisiana.
How to Find the Best CD Rates in Louisiana
What to compare when shopping for a CD in Louisiana
To find the best APYs in Louisiana, start with credit unions and online-only banks — Louisiana has 23 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 — 35 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Louisiana savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Louisiana money market rates
Louisiana Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
16.7%
National avg: 17.3%
Median Individual Earnings
$40,534
National avg: $47,340
Poverty Rate
18.9%
National avg: 11.1%
Unemployment Rate
6.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$134/yr
At LA 12-mo avg 3.318% APY
16.7% of residents are 65 or older — below the national average of 17.3%. At today’s LA 12-month CD average of 3.318%, saving 10% of the local median salary ($4,053/year) and putting it in a CD would earn an additional $134 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Louisiana
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Louisiana
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Louisiana typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Louisiana as everywhere in the U.S.
Choosing a CD Term in Louisiana
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Louisiana savers easier access to their funds. For example, Post Office Employees Credit Union is offering its 6-Month Share Certificate at 4.33% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ADVANCIAL is offering its Regular, IRA & Business Jumbo Certificates 5 years at 4.34% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Louisiana Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Louisiana saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Louisiana
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Louisiana CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Louisiana
Most CDs carry a fixed rate that is locked for the entire term, protecting a Louisiana depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Louisiana
Are CD rates in Louisiana FDIC insured?
Yes, most established banks in Louisiana are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Louisiana?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Louisiana.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Louisiana may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Louisiana?
Here are recent top rates found for this area:
- ADVANCIAL: 4.34% APY (Regular, IRA & Business Jumbo Certificates 5 years)
- Post Office Employees Credit Union: 4.33% APY (6-Month Share Certificate)
- GEISMAR COMPLEX: 4.33% APY (1 YEAR CERTIFICATE)
- Baton Rouge Telco Federal Credit Union: 4.00% APY (1-Year Certificate)
- BAYOU COMMUNITY: 3.85% APY (12-Month CD)
- Northrop Grumman Federal Credit Union: 3.84% APY (Bonus Certificates 12 Month)
- LES: 3.82% APY (1 year Share Certificate)
- Tangipahoa Parish Teachers Credit Union: 3.80% APY (1 Year Share Certificate)
- First Pioneers Federal Credit Union: 3.80% APY (12-Month Certificate)
- Chevron Federal Credit Union: 3.75% APY (12-Month Share Certificate)
Rates reflect recent verified offers available in Louisiana. Last Updated: July 12, 2026
CD Calculators for Louisiana
Louisiana CD Calculator
At today’s LA top rate of 4.34% APY, a $10,000 deposit earns $434 in the first year. Enter your amount to see your exact return.
Louisiana CD LadderLA CD rates currently range from 2.992% (3-month) to 3.016% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Louisiana CD at 4.34% 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 3.318% 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: July 12, 2026
Cities in Louisiana
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