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Baton Rouge, Louisiana Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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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 Baton Rouge, Louisiana CD rates include Capital One BankCapital One Bank3110 College Dr, Baton Rouge, LA 70808A5.0 ★Texas Ratio: 7.01%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month 360 CDs at 4.30% APY, Anthem Bank & TrustAnthem Bank & Trust10430 Perkins Rd, Baton Rouge, LA 70810A+5.0 ★Texas Ratio: 3.32%Real return: +1.50%APY minus CPI (February 2026) offering 60 Month CD at 4.30% APY, EFCU Financial Federal Credit UnionEFCU Financial Federal Credit Union10719 Airline Hwy, Baton Rouge, LA 70816 4213A+5.0 ★Texas Ratio: 2.87%Real return: +1.40%APY minus CPI (February 2026) offering 12 Month Jumbo IRA Certificates at 4.20% APY, Eagle Louisiana Federal Credit UnionEagle Louisiana Federal Credit Union2271 College Dr, Baton Rouge, LA 70808 1839A+5.0 ★Texas Ratio: 1.60%Real return: +1.25%APY minus CPI (February 2026) offering 1 Year IRA Certificate at 4.05% APY, and Neighbors Federal Credit UnionNeighbors Federal Credit Union12529 Perkins Rd, Baton Rouge, LA 70810A5.0 ★Texas Ratio: 8.57%Real return: +1.20%APY minus CPI (February 2026) offering 48 Month Share Certificates at 4.00% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Baton Rouge has 243 local institutions in our database, with CD rates as high as 4.30% APY from Capital One Bank at 3110 College Dr, Baton Rouge, LA 70808. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Louisiana area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026
Compare Best CD Rates in Baton Rouge, Louisiana & the Surrounding Area
Baton Rouge 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
3 Month Share Certificates
$0
3.72%
▲ 1.66% above national avg
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.66% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificates - 3 Months
$0
3.72%
▲ 1.66% above national avg
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.66% above avg
Details
# of days: 91 - 181
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
11280 Coursey Blvd, Baton Rouge, LA 70816
3 Month Certificate
$1,000
3.50%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.44% above avg
Details
APY accurate as of 4/23/2026 and may change at any time. Interest on CDs 12 months or less will be paid at maturity. Penalty for early withdrawal will apply and may reduce the earnings on your account. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
First American Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
5412 Jones Creek Rd, Baton Rouge, LA 70817
3 Month CD
$0
3.44%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.38% above avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
3 Month CD
$500
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
90 Day Business Certificates of Deposit
$2,500
1.75%
▼ 0.31% below national avg
▼
Rate1.74%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.31% below avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
90 Day Certificate
$2,500
1.75%
▼ 0.31% below national avg
▼
Rate1.74%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.31% below avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
90 Day Certificates of Deposit
$2,500
1.75%
▼ 0.31% below national avg
▼
Rate1.74%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.31% below avg
Details
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
3 Month CD
$2,500
1.51%
▼ 0.55% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.55% below avg
Details
Compound: At Maturity
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
3 Month Business Certificate of Deposit
$0
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
665 Florida St, Baton Rouge, LA 70801
90 Day Personal Certificates of Deposit
$1,000
0.10%
▼ 1.96% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
3 Month Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3 Month Certificate Accounts
$1,000
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.44% above avg
Details
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Business Certificate Accounts - 3 Months
$1,000
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.44% above avg
Details
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
IRA Accounts - 3 Months
$1,000
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.44% above avg
Details
CUSA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Share & IRA Certificates of Deposit
$1,000
3.50%
▲ 1.44% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.44% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month Certificate
$0
3.30%
▲ 1.24% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.24% above avg
Details
First Guaranty Bank
Institution Rating:
C3.7 ★Texas Ratio: 26.90%
90 Day Fixed Rate CD
$500
2.70%
▲ 0.64% above national avg
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.64% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 3 months
$0
2.55%
▲ 0.49% above national avg
▼
Rate2.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.49% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Junior Jumbo Certificates - 3 months
$0
2.45%
▲ 0.39% above national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.39% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Certificates - 3 months
$0
2.34%
▲ 0.28% above national avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.28% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
90 Day Share Certificates
$0
1.90%
▼ 0.16% below national avg
▼
Rate1.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.16% below avg
Details
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.45%
3 Month Certificate
$0
1.30%
▼ 0.76% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.76% below avg
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
3-Month Certificate
$500
0.99%
▼ 1.07% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.07% below avg
Details
Pays Monthly
American Bank & Trust Company LA
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
90 Day CD
$1,000
0.65%
▼ 1.41% below national avg
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.41% below avg
Details
BOSSIER
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
3 Month Share Certificates
$0
0.25%
▼ 1.81% below national avg
▼
Rate0.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.81% below avg
Details
Baton Rouge 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
3110 College Dr, Baton Rouge, LA 70808
6 Month 360 CDs
$0
4.30%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.54% above avg
Details
Fixed APY | No minimum balance
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
6 Month Jumbo IRA Certificates
$0
4.20%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.44% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
6 Month IRA Certificates
$0
4.10%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.34% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
6 Month Jumbo Certificates
$0
4.10%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.34% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
6 Month Share Certificates
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
6 Month Share Certificate
$0
3.90%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
6 Month Share Certificates
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.06% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificates - 6 Months
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.06% above avg
Details
# of days: 182 - 272
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
11280 Coursey Blvd, Baton Rouge, LA 70816
6 Month Certificate
$1,000
3.73%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.97% above avg
Details
APY accurate as of 4/23/2026 and may change at any time. Interest on CDs 12 months or less will be paid at maturity. Penalty for early withdrawal will apply and may reduce the earnings on your account. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
6 Month CD
$100,000
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.84% above avg
Details
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2271 College Dr, Baton Rouge, LA 70808 1839
6 Month Share Certificate
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
6 Month Business Certificate of Deposit
$0
3.53%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.77% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
6 Month CD
$100,000
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.74% above avg
Details
Interest Frequency: Monthly
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
6 Month Share Certificate
$2,500
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
Dividends Credited: Monthly
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
6-Month Share Certificate
$2,500
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
Dividends Posted: Monthly. Certificates will automatically renew at rates effective at the time of renewal.
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
704 Mayflower St, Baton Rouge, LA 70802 6423
6 Month IRA Certificate (Traditional or Roth)
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
704 Mayflower St, Baton Rouge, LA 70802 6423
6 Month Share Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
6725 Siegen Ln, Baton Rouge, LA 70809
6-month Certificates
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
See all Certificate Rates
First American Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
5412 Jones Creek Rd, Baton Rouge, LA 70817
6 Month CD
$0
3.43%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.67% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
3110 College Dr, Baton Rouge, LA 70808
6 Month CD
$0
3.30%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.54% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
6 Month Business Certificates of Deposit
$2,500
3.25%
▲ 0.49% above national avg
▼
Rate3.22%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.49% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
6 Month Certificate
$2,500
3.25%
▲ 0.49% above national avg
▼
Rate3.22%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.49% above avg
Details
BRECO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.95%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
6 Month Term Share Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.49% above avg
Details
Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
6 Month CD
$2,500
2.77%
▲ 0.01% above national avg
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.01% above avg
Details
Compound: At Maturity
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
Roth IRA - Fixed Rate (6 mo)
$1,000
2.77%
▲ 0.01% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.01% above avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
6 Month CD
$500
2.25%
▼ 0.51% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.51% below avg
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
665 Florida St, Baton Rouge, LA 70801
180 Day Personal Certificates of Deposit
$1,000
0.15%
▼ 2.61% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.61% below avg
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
Share Certificate 6-Month
$0
4.33%
▲ 1.57% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.57% above avg
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
Share Certificate 6-Month
$0
4.07%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.31% above avg
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
Share Certificate 6-Month
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.06% above avg
Details
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
6-Month CD
$1,000
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.05% above avg
Details
Carter Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.72%
6 Month IRA Share Certificate
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
6 Month Jumbo Share Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
6 Month Business Share Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
6 Month Regular Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Balance: $1,000; Dividends Rates*: 3.69%
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6 Month IRA Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.89% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6 Month Share Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.89% above avg
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6-Month Certificate
$1,000
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details
Pays Monthly
Landmark Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.80%
6-Month CD
$0
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.84% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
6 Month Bonus Certificates
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.84% above avg
Details
Balance: 6 Month
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
6-Month Certificate
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.84% above avg
Details
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
6 Month Certificate
$0
3.58%
▲ 0.82% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.82% above avg
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
Share Certificate 6-Month
$0
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.80% above avg
Details
GEISMAR COMPLEX
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
6 MONTH CERTIFICATE
$500
3.56%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.80% above avg
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
CD - 6 Months
$0
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.80% above avg
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
6 Month Share Certificates (CDs)
$500
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6 Month CD
$500
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Annual Percentage Yield.
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6 Month Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month Certificate Accounts
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.74% above avg
Details
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Business Certificate Accounts - 6 Months
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.74% above avg
Details
Baton Rouge 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
3110 College Dr, Baton Rouge, LA 70808
12 Month 360 CDs
$0
4.30%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.35% above avg
Details
Fixed APY | No minimum balance
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
12 Month Jumbo IRA Certificates
$0
4.20%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.25% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
12 Month IRA Certificates
$0
4.10%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.15% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
12 Month Jumbo Certificates
$0
4.10%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.15% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
1 Year IRA Certificate
$0
4.05%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.10% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
1 Year Share Certificate
$0
4.05%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.10% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
12 Month Starter Certificate
$0
4.05%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.10% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
3110 College Dr, Baton Rouge, LA 70808
1-year online CDs
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
3110 College Dr, Baton Rouge, LA 70808
12 Month CD
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
12 Month Share Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2271 College Dr, Baton Rouge, LA 70808 1839
12 Month Share Certificate
$0
3.86%
▲ 0.91% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.91% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
12 Month Share Certificates
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.87% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificates - 12 Months (1 Year)
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.87% above avg
Details
# of days: 365 - 546
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
12 Month CD
$200,000
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.85% above avg
Details
BRECO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.95%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
12 Month Term Share Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
12 Month CD
$100,000
3.70%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.75% above avg
Details
Interest Frequency: Monthly
First American Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
5412 Jones Creek Rd, Baton Rouge, LA 70817
12 Month CD
$0
3.65%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.70% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
12 Month CD
$200,000
3.65%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.70% above avg
Details
Interest Frequency: Monthly
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
1-Year Thrifty Saver Share Certificate
$1,500
3.65%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.70% above avg
Details
Dividends Posted: Monthly. Additional deposits are not allowed during the term of the certificate. Certificates will automatically renew at rates effective at the time of renewal.
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
11280 Coursey Blvd, Baton Rouge, LA 70816
12 Month Certificate
$1,000
3.60%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.65% above avg
Details
APY accurate as of 4/23/2026 and may change at any time. Interest on CDs longer than 12 months will be paid annually. Penalty for early withdrawal will apply and may reduce the earnings on your account. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
12 Month CD
$200,000
3.60%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.65% above avg
Details
Interest Frequency: Monthly
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
704 Mayflower St, Baton Rouge, LA 70802 6423
1 Year IRA Certificate (Traditional or Roth)
$0
3.60%
▲ 0.65% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.65% above avg
Details
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
704 Mayflower St, Baton Rouge, LA 70802 6423
1 Year Share Certificate
$0
3.60%
▲ 0.65% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.65% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
12 Month Business Certificates of Deposit
$2,500
3.55%
▲ 0.60% above national avg
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.60% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
12 Month Certificate
$2,500
3.55%
▲ 0.60% above national avg
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.60% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
IRA Certificate 1 Year
$500
3.55%
▲ 0.60% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.60% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
12 Month CD
$100,000
3.55%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.60% above avg
Details
Interest Frequency: Monthly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
12 Month Certificate
$0
3.55%
▲ 0.60% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.60% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
12 Month IRA Share Certificate
$0
3.55%
▲ 0.60% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.60% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
12 Month Jumbo Certificate Accounts
$0
3.55%
▲ 0.60% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.60% above avg
Details
Term: 12 months-Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
12 months-Dividends credited quarterly
$0
3.55%
▲ 0.60% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.60% above avg
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
6725 Siegen Ln, Baton Rouge, LA 70809
12-month Certificates
$0
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.55% above avg
Details
See all Certificate Rates
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
Roth IRA - Fixed Rate (12 mo)
$1,000
3.44%
▲ 0.49% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.49% above avg
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
1 Year Super Saver Share Certificate
$100,000
3.35%
▲ 0.40% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.40% above avg
Details
APY with La Cap Checking: 3.75%; Dividends Credited: Monthly
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
1 Year Mega Saver Share Certificate with One-time Bump
$100,000
3.30%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.35% above avg
Details
APY with La Cap Checking: 3.70%; Dividends Credited: Monthly
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
12 Month CD
$1,000
3.29%
▲ 0.34% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.34% above avg
Details
Compound: Quarterly
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
1 Year Thrifty Saver Share Certificate
$1,500
3.25%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.30% above avg
Details
APY with La Cap Checking: 3.65%; Dividends Credited: Monthly
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
12 Month Business Certificate of Deposit
$0
2.27%
▼ 0.68% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.68% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
1 Year CD
$500
2.00%
▼ 0.95% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.95% below avg
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
665 Florida St, Baton Rouge, LA 70801
1 Year Personal Certificates of Deposit
$1,000
0.20%
▼ 2.75% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 2.75% below avg
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
Share Certificate 12-Month
$0
4.33%
▲ 1.38% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.38% above avg
Details
GEISMAR COMPLEX
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1 YEAR CERTIFICATE
$500
4.33%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.38% above avg
Details
CUSA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
NEW Deposit 12 Month Share & IRA Certificates of Deposit
$1,000
4.25%
▲ 1.30% above national avg
▼
Rate4.18%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.30% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
12 Month Certificate
$0
4.25%
▲ 1.30% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.30% above avg
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
12 Month Jumbo Share Certificates (CDs)
$1,000
4.07%
▲ 1.12% above national avg
▼
Rate3.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.12% above avg
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
Share Certificate 12-Month
$0
4.07%
▲ 1.12% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.12% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 Month Certificate
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Carter Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.72%
12 Month IRA Share Certificate
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
12 Month Jumbo Share Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
12 Month Bonus Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: 12 Month
Baton Rouge 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
3110 College Dr, Baton Rouge, LA 70808
18 Month 360 CDs
$0
4.30%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.49% above avg
Details
Fixed APY | No minimum balance
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
18 Month CD
$100,000
4.15%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 1.34% above avg
Details
Interest Frequency: Monthly
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
18 Month CD
$100,000
4.10%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 1.29% above avg
Details
Interest Frequency: Semi
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
18 Month CD
$100,000
4.05%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 1.24% above avg
Details
Interest Frequency: Semi
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
18 Month Jumbo IRA Certificates
$0
3.85%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.04% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
Traditional - Variable Rate (18 month)
$100
3.80%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.99% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
18 Month CD
$100,000
3.80%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.99% above avg
Details
Interest Frequency: Monthly
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
18 Month IRA Certificates
$0
3.75%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.94% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
18 Month Jumbo Certificates
$0
3.75%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.94% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
18 Month CD
$100,000
3.70%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.89% above avg
Details
Interest Frequency: Monthly
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
18 Month CD
$200,000
3.65%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.84% above avg
Details
Interest Frequency: Monthly
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
18 Month Share Certificates
$0
3.65%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.84% above avg
Details
BRECO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.95%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
18 Month Term Share Certificate
$0
3.65%
▲ 0.84% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.84% above avg
Details
Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
18 Month Share Certificates
$0
3.64%
▲ 0.83% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.83% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificates - 18 Months
$0
3.64%
▲ 0.83% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.83% above avg
Details
# of days: 547 - 729
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
3110 College Dr, Baton Rouge, LA 70808
18 Month CD
$0
3.60%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.79% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
18 Month Business Certificates of Deposit
$2,500
3.60%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.79% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
18 Month Certificate
$2,500
3.60%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.79% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
IRA Certificate 18 Months
$500
3.60%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.79% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
18 Month CD
$100,000
3.50%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.69% above avg
Details
Interest Frequency: Monthly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
18 Month Certificate
$0
3.50%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.69% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
18 Month IRA Share Certificate
$0
3.50%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.69% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
18 Month Jumbo Certificate Accounts
$0
3.50%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.69% above avg
Details
Term: 18 months-Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
18 months-Dividends credited quarterly
$0
3.50%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.69% above avg
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
6725 Siegen Ln, Baton Rouge, LA 70809
18-month Certificates
$0
3.50%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.69% above avg
Details
See all Certificate Rates
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
11280 Coursey Blvd, Baton Rouge, LA 70816
18 Month Certificate
$1,000
3.41%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.60% above avg
Details
APY accurate as of 4/23/2026 and may change at any time. Interest on CDs longer than 12 months will be paid annually. Penalty for early withdrawal will apply and may reduce the earnings on your account. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
Roth IRA - Fixed Rate (18 mo)
$1,000
3.29%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.48% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
Roth IRA - Variable Rate (18 mo)
$100
3.29%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.48% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
18 Month CD
$1,000
3.03%
▲ 0.22% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.22% above avg
Details
Compound: Quarterly
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
18 Month Business Certificate of Deposit
$0
2.02%
▼ 0.79% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 0.79% below avg
Details
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
18-Month IRA
$2,000
4.07%
▲ 1.26% above national avg
▼
Rate4.00%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.26% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month Certificate
$1,000
4.00%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
18 Month Regular Certificates
$0
3.90%
▲ 1.09% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.09% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Month Certificate
$0
3.85%
▲ 1.04% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.04% above avg
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
18-Month Certificate
$0
3.80%
▲ 0.99% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.99% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
18 Month IRA Share Certificates
$0
3.75%
▲ 0.94% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.94% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Month Certificate
$0
3.75%
▲ 0.94% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.94% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
18 Month IRA Certificate
$0
3.70%
▲ 0.89% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.89% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
18 Month Share Certificate
$0
3.70%
▲ 0.89% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.89% above avg
Details
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month Share Certificate
$50,000
3.61%
▲ 0.80% above national avg
▼
Rate3.55%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.80% above avg
Details
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month Share Certificate
$10,000
3.51%
▲ 0.70% above national avg
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.70% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
18 Month Certificates of Deposit
$500
3.50%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.69% above avg
Details
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month Share Certificate
$500
3.40%
▲ 0.59% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.59% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
18 Month Certificates of Deposit - Pulse Certificate
$100
3.40%
▲ 0.59% above national avg
▼
Rate3.35%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.59% above avg
Details
River Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
18 Month Share Certificate
$0
3.35%
▲ 0.54% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.54% above avg
Details
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
18-Month CD
$1,000
3.30%
▲ 0.49% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.49% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 18 months
$0
3.28%
▲ 0.47% above national avg
▼
Rate3.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.47% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
18 Month Share Certificates
$0
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.44% above avg
Details
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
18 Month Business Share Certificate
$0
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.44% above avg
Details
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
18 Month Regular Certificate
$0
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.44% above avg
Details
Balance: $1,000; Dividends Rates*: 3.20%
Baton Rouge 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
3110 College Dr, Baton Rouge, LA 70808
24 Month 360 CDs
$0
4.30%
▲ 1.47% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.47% above avg
Details
Fixed APY | No minimum balance
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
24 Month CD
$100,000
4.20%
▲ 1.37% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.37% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
24 Month CD
$100,000
4.15%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.32% above avg
Details
Interest Frequency: Semi
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
24 Month CD
$100,000
4.10%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.27% above avg
Details
Interest Frequency: Semi
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
24 Month CD
$100,000
3.90%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.07% above avg
Details
Interest Frequency: Monthly
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
24 Month Jumbo IRA Certificates
$0
3.85%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.02% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
24 Month CD
$100,000
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details
Interest Frequency: Monthly
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
24 Month IRA Certificates
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.92% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
24 Month Jumbo Certificates
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.92% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
2 Year IRA Certificate
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.92% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
2 Year Share Certificate
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.92% above avg
Details
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2271 College Dr, Baton Rouge, LA 70808 1839
24 Month Share Certificate
$0
3.67%
▲ 0.84% above national avg
▼
Rate3.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.84% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
2 Year Business Certificates of Deposit
$2,500
3.65%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.82% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
2 Year Certificate
$2,500
3.65%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.82% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
IRA Certificate 2 Years
$500
3.65%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.82% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
24 Month Share Certificates
$0
3.65%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.82% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
24 Month Share Certificates
$0
3.61%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.78% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificates - 24 Months (2 Years)
$0
3.61%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.78% above avg
Details
# of days: 730 - 911
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Traditional & Roth IRA Certificate Account
$20,000
3.55%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.72% above avg
Details
APY with La Cap Checking: 3.88%
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
3110 College Dr, Baton Rouge, LA 70808
24 Month CD
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.67% above avg
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
24 Month Certificate
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.67% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
24 Month IRA Share Certificate
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.67% above avg
Details
Dividends credited quarterly
BRECO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.95%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
24 Month Term Share Certificate
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.67% above avg
Details
Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Super Saver Share Certificate
$100,000
3.45%
▲ 0.62% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.62% above avg
Details
APY with La Cap Checking: 3.78%; Dividends Credited: Monthly
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Traditional & Roth IRA Certificate Account
$650
3.45%
▲ 0.62% above national avg
▼
Rate—
Min Deposit$650
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.62% above avg
Details
APY with La Cap Checking: 3.78%
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
704 Mayflower St, Baton Rouge, LA 70802 6423
2 Year IRA Certificate (Traditional or Roth)
$0
3.45%
▲ 0.62% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.62% above avg
Details
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
704 Mayflower St, Baton Rouge, LA 70802 6423
2 Year Share Certificate
$0
3.45%
▲ 0.62% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.62% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
Roth IRA - Fixed Rate (24 mo)
$1,000
3.44%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.61% above avg
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
24 Month Certificate Accounts
$1,000
3.40%
▲ 0.57% above national avg
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.57% above avg
Details
Term: 24 months-Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
24 Month Jumbo Certificate Accounts
$0
3.40%
▲ 0.57% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.57% above avg
Details
Term: 24 months-Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
24 months-Dividends credited quarterly
$0
3.40%
▲ 0.57% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.57% above avg
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Mega Saver Share Certificate with One-time Bump
$100,000
3.40%
▲ 0.57% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.57% above avg
Details
APY with La Cap Checking: 3.73%; Dividends Credited: Monthly
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Thrifty Saver Share Certificate
$1,000
3.35%
▲ 0.52% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.52% above avg
Details
APY with La Cap Checking: 3.68%; Dividends Credited: Monthly
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
11280 Coursey Blvd, Baton Rouge, LA 70816
24 Month Certificate
$1,000
3.25%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.42% above avg
Details
APY accurate as of 4/23/2026 and may change at any time. Interest on CDs longer than 12 months will be paid annually. Penalty for early withdrawal will apply and may reduce the earnings on your account. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
24 Month CD
$1,000
3.03%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.20% above avg
Details
Compound: Quarterly
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
2 Year CD
$500
2.25%
▼ 0.58% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.58% below avg
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
24 Month Business Certificate of Deposit
$0
1.76%
▼ 1.07% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.07% below avg
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
665 Florida St, Baton Rouge, LA 70801
2 Year Personal Certificates of Deposit
$1,000
0.25%
▼ 2.58% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 2.58% below avg
Details
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
24-Month IRA
$2,000
4.33%
▲ 1.50% above national avg
▼
Rate4.25%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.50% above avg
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
24 Month Jumbo Share Certificates (CDs)
$1,000
4.28%
▲ 1.45% above national avg
▼
Rate4.19%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.45% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.42% above avg
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
Share Certificate 24-Month
$0
4.07%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.24% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month Certificate
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
24 Month Bonus Certificates
$0
3.96%
▲ 1.13% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.13% above avg
Details
Balance: 24 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
24 Month Bonus IRA Certificates
$0
3.96%
▲ 1.13% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.13% above avg
Details
Balance: 24 Month
Carter Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.72%
24 Month IRA Share Certificate
$1,000
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.07% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
24 Month Certificate
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.07% above avg
Details
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
Share Certificate 24-Month
$0
3.82%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.99% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
24 Month Certificates
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.97% above avg
Details
Balance: 24 Month
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
24 Month Certificate
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.97% above avg
Details
Baton Rouge 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
3110 College Dr, Baton Rouge, LA 70808
36 Month 360 CDs
$0
4.30%
▲ 1.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.55% above avg
Details
Fixed APY | No minimum balance
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
36 Month CD
$100,000
4.25%
▲ 1.50% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.50% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
36 Month CD
$100,000
4.20%
▲ 1.45% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.45% above avg
Details
Interest Frequency: Monthly
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
36 Month CD
$100,000
4.15%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.40% above avg
Details
Interest Frequency: Semi
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
36 Month CD
$100,000
4.10%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.35% above avg
Details
Interest Frequency: Semi
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
36 Month CD
$100,000
4.05%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.30% above avg
Details
Interest Frequency: Monthly
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
36 Month CD
$100,000
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Interest Frequency: Monthly
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
36 Month Jumbo IRA Certificates
$0
3.90%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.15% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
36 Month CD
$100,000
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Interest Frequency: Monthly
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
36 Month IRA Certificates
$0
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.05% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
36 Month Jumbo Certificates
$0
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.05% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
3 Year Business Certificates of Deposit
$2,500
3.70%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
3 Year Certificate
$2,500
3.70%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
IRA Certificate 3 Years
$500
3.70%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
36 Month Share Certificates
$0
3.70%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.95% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
3 Year IRA Certificate
$0
3.70%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.95% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
3 Year Share Certificate
$0
3.70%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.95% above avg
Details
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2271 College Dr, Baton Rouge, LA 70808 1839
36 Month Share Certificate
$0
3.67%
▲ 0.92% above national avg
▼
Rate3.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.92% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
36 Month Share Certificates
$0
3.57%
▲ 0.82% above national avg
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.82% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificates - 36 Months (3 Years)
$0
3.57%
▲ 0.82% above national avg
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.82% above avg
Details
# of days: 1,095 - 1,459
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
3 Year Super Saver Share Certificate
$100,000
3.55%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.80% above avg
Details
APY with La Cap Checking: 3.95%; Dividends Credited: Monthly
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
3110 College Dr, Baton Rouge, LA 70808
36 Month CD
$0
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.75% above avg
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
3 Year Mega Saver Share Certificate with One-time Bump
$100,000
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.75% above avg
Details
APY with La Cap Checking: 3.90%; Dividends Credited: Monthly
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
3 Year Thrifty Saver Share Certificate
$500
3.45%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.70% above avg
Details
APY with La Cap Checking: 3.85%; Dividends Credited: Monthly
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
704 Mayflower St, Baton Rouge, LA 70802 6423
3 Year IRA Certificate (Traditional or Roth)
$0
3.35%
▲ 0.60% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.60% above avg
Details
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
704 Mayflower St, Baton Rouge, LA 70802 6423
3 Year Share Certificate
$0
3.35%
▲ 0.60% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.60% above avg
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
36 Month Certificate
$0
3.30%
▲ 0.55% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.55% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
36 Month IRA Share Certificate
$0
3.30%
▲ 0.55% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.55% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
36 Month Jumbo Certificate Accounts
$0
3.30%
▲ 0.55% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.55% above avg
Details
Term: 36 months-Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
36 months-Dividends credited quarterly
$0
3.30%
▲ 0.55% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.55% above avg
Details
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
11280 Coursey Blvd, Baton Rouge, LA 70816
36 Month Certificate
$1,000
3.25%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 0.50% above avg
Details
APY accurate as of 4/23/2026 and may change at any time. Interest on CDs longer than 12 months will be paid annually. Penalty for early withdrawal will apply and may reduce the earnings on your account. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
BRECO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.95%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
36 Month Term Share Certificate
$0
3.10%
▲ 0.35% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.35% above avg
Details
Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
3 Year CD
$500
1.40%
▼ 1.35% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 1.35% below avg
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
36 Month Business Certificate of Deposit
$0
1.00%
▼ 1.75% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 1.75% below avg
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
665 Florida St, Baton Rouge, LA 70801
3 Year Personal Certificates of Deposit
$1,000
0.35%
▼ 2.40% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 2.40% below avg
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
36 Month Jumbo Share Certificates (CDs)
$1,000
4.35%
▲ 1.60% above national avg
▼
Rate4.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.60% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
36 Month Certificate
$1,000
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.25% above avg
Details
Carter Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.72%
36 Month IRA Share Certificate
$1,000
4.00%
▲ 1.25% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.25% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Bonus Certificates
$0
3.97%
▲ 1.22% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.22% above avg
Details
Balance: 36 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Bonus IRA Certificates
$0
3.97%
▲ 1.22% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.22% above avg
Details
Balance: 36 Month
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 3 years
$0
3.91%
▲ 1.16% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.16% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
36 Month Certificate
$0
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.15% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Certificates
$0
3.81%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.06% above avg
Details
Balance: 36 Month
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
36 Month Certificate
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.05% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Junior Jumbo Certificates - 3 years
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.05% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Certificates - 3 years
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.95% above avg
Details
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
36 Month Regular Certificates
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.90% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
36 Month Certificates of Deposit
$500
3.55%
▲ 0.80% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.80% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
36 Month IRA Certificate
$0
3.44%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.69% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
36 Month Share Certificate
$0
3.44%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.69% above avg
Details
Baton Rouge 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
3110 College Dr, Baton Rouge, LA 70808
48 Month 360 CDs
$0
4.30%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.54% above avg
Details
Fixed APY | No minimum balance
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
48 Month CD
$100,000
4.25%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.49% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
48 Month CD
$100,000
4.20%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.44% above avg
Details
Interest Frequency: Monthly
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
48 Month CD
$100,000
4.15%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.39% above avg
Details
Interest Frequency: Semi
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
48 Month CD
$100,000
4.05%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.29% above avg
Details
Interest Frequency: Semi
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
48 Month Share Certificates
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificates - 48 Months (4 Years)
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
# of days: 1,460 - 1,824
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
48 Month Jumbo IRA Certificates
$0
3.90%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.14% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
48 Month CD
$200,000
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% above avg
Details
Interest Frequency: Monthly
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
48 Month IRA Certificates
$0
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.04% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
48 Month Jumbo Certificates
$0
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.04% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
48 Month Share Certificates
$0
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.94% above avg
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA 70808 1839
4 Year Share Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2271 College Dr, Baton Rouge, LA 70808 1839
48 Month Share Certificate
$0
3.67%
▲ 0.91% above national avg
▼
Rate3.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.91% above avg
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
4 Year Super Saver Share Certificate
$100,000
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.84% above avg
Details
APY with La Cap Checking: 4.00%; Dividends Credited: Monthly
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
4 Year Mega Saver Share Certificate with One-time Bump
$100,000
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
APY with La Cap Checking: 3.95%; Dividends Credited: Monthly
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
3110 College Dr, Baton Rouge, LA 70808
48 Month CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
4 Year Thrifty Saver Share Certificate
$500
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
APY with La Cap Checking: 3.90%; Dividends Credited: Monthly
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
704 Mayflower St, Baton Rouge, LA 70802 6423
4 Year IRA Certificate (Traditional or Roth)
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.64% above avg
Details
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
704 Mayflower St, Baton Rouge, LA 70802 6423
4 Year Share Certificate
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.64% above avg
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
48 Month Certificate
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.59% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
48 Month IRA Share Certificate
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.59% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
48 months-Dividends credited quarterly
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.59% above avg
Details
BRECO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.95%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
48 Month Term Share Certificate
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.34% above avg
Details
Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
48 Month CD
$1,000
2.78%
▲ 0.02% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.02% above avg
Details
Compound: Quarterly
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
4 Year CD
$500
1.15%
▼ 1.61% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.61% below avg
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
48 Month Business Certificate of Deposit
$0
1.00%
▼ 1.76% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.76% below avg
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
665 Florida St, Baton Rouge, LA 70801
4 Year Personal Certificates of Deposit
$1,000
0.45%
▼ 2.31% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.31% below avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.12%
▲ 1.36% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.36% above avg
Details
Carter Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.72%
48 Month IRA Share Certificate
$1,000
4.05%
▲ 1.29% above national avg
▼
Rate3.97%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.29% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.01%
▲ 1.25% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.25% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
48 Month Certificate
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Bonus Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 48 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Bonus IRA Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 48 Month
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Certificates - 4 years
$0
3.91%
▲ 1.15% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.15% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
48 Month Certificate
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Certificates
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.05% above avg
Details
Balance: 48 Month
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
48 Month Certificate
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
48 Month Certificates of Deposit
$500
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.69% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
48 Month IRA Certificate
$0
3.44%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.68% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
48 Month Share Certificate
$0
3.44%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.68% above avg
Details
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
48-Month CD
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.49% above avg
Details
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
48 Month Business Share Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
48 Month Regular Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
Balance: $1,000; Dividends Rates*: 3.20%
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
48-Month CD
$10,000
3.05%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.29% above avg
Details
New Money Only, Pays Monthly
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
48-Month Certificate
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.24% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
48 Month Certificate
$0
2.90%
▲ 0.14% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.14% above avg
Details
First Guaranty Bank
Institution Rating:
C3.7 ★Texas Ratio: 26.90%
4 Year Fixed Rate CD
$500
2.85%
▲ 0.09% above national avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.09% above avg
Details
First Guaranty Bank
Institution Rating:
C3.7 ★Texas Ratio: 26.90%
4 Year IRA Certificate
$500
2.85%
▲ 0.09% above national avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.09% above avg
Details
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.45%
4 Year Certificate
$0
2.50%
▼ 0.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 0.26% below avg
Details
Baton Rouge 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
3110 College Dr, Baton Rouge, LA 70808
60 Month 360 CDs
$0
4.30%
▲ 1.47% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.47% above avg
Details
Fixed APY | No minimum balance
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
60 Month CD
$100,000
4.30%
▲ 1.47% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.47% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
60 Month CD
$100,000
4.25%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.42% above avg
Details
Interest Frequency: Semi
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
60 Month CD
$100,000
4.20%
▲ 1.37% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.37% above avg
Details
Interest Frequency: Monthly
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
60 Month CD
$100,000
4.15%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.32% above avg
Details
Interest Frequency: Semi
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
60 Month CD
$100,000
4.05%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.22% above avg
Details
Interest Frequency: Semi
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
60 Month Jumbo IRA Certificates
$0
3.95%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.12% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
60 Month CD
$200,000
3.90%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.07% above avg
Details
Interest Frequency: Monthly
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
60 Month IRA Certificates
$0
3.85%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.02% above avg
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
60 Month Jumbo Certificates
$0
3.85%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.02% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
60 Month CD
$100,000
3.80%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.97% above avg
Details
Interest Frequency: Monthly
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
60 Month Share Certificates
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.92% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
5 Year Business Certificates of Deposit
$2,500
3.70%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.87% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
5 Year Certificate
$2,500
3.70%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.87% above avg
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
IRA Certificate 5 Years
$500
3.70%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.87% above avg
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
5 Year Super Saver Share Certificate
$100,000
3.65%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.82% above avg
Details
APY with La Cap Checking: 3.97%; Dividends Credited: Monthly
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
60 Month Share Certificates
$0
3.64%
▲ 0.81% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.81% above avg
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA Certificates - 60 Months (5 Years)
$0
3.64%
▲ 0.81% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.81% above avg
Details
# of days: 1,825+
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
3110 College Dr, Baton Rouge, LA 70808
5-year online CDs
$0
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.77% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
3110 College Dr, Baton Rouge, LA 70808
60 Month CD
$0
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.77% above avg
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA 70802 5501
5 Year Thrifty Saver Share Certificate
$500
3.55%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.72% above avg
Details
APY with La Cap Checking: 3.88%; Dividends Credited: Monthly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
60 Month Certificate
$0
3.45%
▲ 0.62% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.62% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
60 Month IRA Share Certificate
$0
3.45%
▲ 0.62% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.62% above avg
Details
Dividends credited quarterly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6230 Perkins Rd, Baton Rouge, LA 70808
60 months-Dividends credited quarterly
$0
3.45%
▲ 0.62% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.62% above avg
Details
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
704 Mayflower St, Baton Rouge, LA 70802 6423
5 Year IRA Certificate (Traditional or Roth)
$0
3.45%
▲ 0.62% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.62% above avg
Details
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
704 Mayflower St, Baton Rouge, LA 70802 6423
5 Year Share Certificate
$0
3.45%
▲ 0.62% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.62% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
Roth IRA - Variable Rate (60 mo)
$100
3.29%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.46% above avg
Details
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
11280 Coursey Blvd, Baton Rouge, LA 70816
60 Month Certificate
$1,000
3.25%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.42% above avg
Details
APY accurate as of 4/23/2026 and may change at any time. Interest on CDs longer than 12 months will be paid annually. Penalty for early withdrawal will apply and may reduce the earnings on your account. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
BRECO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.95%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
60 Month Term Share Certificate
$0
3.10%
▲ 0.27% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.27% above avg
Details
Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
Roth IRA - Fixed Rate (60 mo)
$1,000
3.02%
▲ 0.19% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.19% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
60 Month CD
$1,000
2.77%
▼ 0.06% below national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▼ 0.06% below avg
Details
Compound: Semi-Annual
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
5 Year CD
$500
1.25%
▼ 1.58% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.58% below avg
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
60 Month Business Certificate of Deposit
$0
1.00%
▼ 1.83% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.83% below avg
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
665 Florida St, Baton Rouge, LA 70801
5 Year Personal Certificates of Deposit
$1,000
0.55%
▼ 2.28% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 2.28% below avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.49%
▲ 1.66% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.66% above avg
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
60 Month Jumbo Share Certificates (CDs)
$1,000
4.47%
▲ 1.64% above national avg
▼
Rate4.37%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.64% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.39%
▲ 1.56% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.56% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Certificates - 5 years
$0
4.28%
▲ 1.45% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.45% above avg
Details
Carter Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.72%
60 Month IRA Share Certificate
$1,000
4.10%
▲ 1.27% above national avg
▼
Rate4.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.27% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
60 Month Certificate
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
60 Month Bonus Certificates
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details
Balance: 60 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
60 Month Bonus IRA Certificates
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details
Balance: 60 Month
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
60 Month Certificate
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.07% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
60 Month Certificates
$0
3.84%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.01% above avg
Details
Balance: 60 Month
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
60 Month Certificate
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.97% above avg
Details
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
60 Month Regular Certificates
$0
3.65%
▲ 0.82% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.82% above avg
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
60 Month Certificates of Deposit
$500
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
60 Month IRA Certificate
$0
3.44%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.61% above avg
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
60 Month Share Certificate
$0
3.44%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.61% above avg
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
60 Month IRA Share Certificates
$0
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.42% above avg
Details
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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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Baton Rouge, LA CD Rate Trends
Compare local Baton Rouge, LA 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
2.945%
▲ 0.004 vs 7 days ago
Louisiana 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.
6-Month CD LA Avg
2.760%
Unchanged vs 7 days ago
Louisiana 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.
As of Sep 23, 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
2.945%
6-Month Forecast
2.945%
Range: 2.75% – 3.10%
12-Month Forecast
3.195%
Range: 3.00% – 3.35%
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What Your Savings Earn at LA CD Rates Today
Annual interest earnings at today’s Louisiana average APYs. State average used where available; national average as fallback.
| CD Term | LA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.055% | $102.77 | $205.54 | $513.85 | $1,027.70 |
| 6-Month CD | 2.760% | $137.99 | $275.97 | $689.93 | $1,379.85 |
| 12-Month CD | 2.945% | $147.27 | $294.54 | $736.35 | $1,472.70 |
| 18-Month CD | 2.813% | $140.67 | $281.33 | $703.32 | $1,406.65 |
| 24-Month CD | 2.833% | $141.64 | $283.27 | $708.18 | $1,416.35 |
| 36-Month CD | 2.754% | $137.68 | $275.36 | $688.40 | $1,376.80 |
| 48-Month CD | 2.759% | $137.97 | $275.93 | $689.82 | $1,379.65 |
| 60-Month CD | 2.834% | $141.70 | $283.39 | $708.48 | $1,416.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for Baton Rouge, 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 | 2.055% | $102.77 |
| 2 | 6-Month CD | $5,000 | 2.760% | $137.99 |
| 3 | 12-Month CD | $5,000 | 2.945% | $147.27 |
| 4 | 24-Month CD | $5,000 | 2.833% | $141.64 |
| 5 | 36-Month CD | $5,000 | 2.754% | $137.68 |
| Total ($25,000 invested) | $25,000 | 2.669% blended | $667.35/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.
627
CD Rates
Tracked in Baton Rouge, Louisiana
Tracked in Baton Rouge, Louisiana
23 Banks
43 Credit Unions
About Our Baton Rouge, Louisiana CD Rate Database
MonitorBankRates tracks 627 CD rates from 23 banks and 43 credit unions with locations in Baton Rouge, 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: Capital One Bank offers a CD at 4.30% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Baton Rouge, Louisiana.
How to Find the Best CD Rates in Baton Rouge, Louisiana
What to compare when shopping for a CD in Baton Rouge, Louisiana
To find the best APYs in Baton Rouge, Louisiana, start with credit unions and online-only banks: Baton Rouge, Louisiana has 43 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Baton Rouge, 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 Baton Rouge, Louisiana: 66 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Baton Rouge, 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 Baton Rouge, Louisiana money market rates
Baton Rouge, Louisiana Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
14.2%
National avg: 17.3%
Median Individual Earnings
$31,571
National avg: $47,340
Poverty Rate
25.7%
National avg: 11.1%
Unemployment Rate
9.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$93/yr
At LA 12-mo avg 2.945% APY
14.2% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 9.2% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s LA 12-month CD average of 2.945%, saving 10% of the local median salary ($3,157/year) and putting it in a CD would earn an additional $93 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 Baton Rouge, 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 Baton Rouge, 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 Baton Rouge, 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 Baton Rouge, Louisiana as everywhere in the U.S.
Choosing a CD Term in Baton Rouge, 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 Baton Rouge, Louisiana savers easier access to their funds. For example, Capital One Bank is offering its 6 Month 360 CDs at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Capital One Bank is offering its 60 Month 360 CDs at 4.30% 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 Baton Rouge, 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 Baton Rouge, 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 Baton Rouge, 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 Baton Rouge, 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 Baton Rouge, Louisiana
Most CDs carry a fixed rate that is locked for the entire term, protecting a Baton Rouge, 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 Baton Rouge, Louisiana
Are CD rates in Baton Rouge, Louisiana FDIC insured?
Yes, most established banks in Baton Rouge, 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 Baton Rouge, 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 Baton Rouge, 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 Baton Rouge, 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 Baton Rouge, Louisiana?
Here are recent top rates found for this area:
- Capital One Bank: 4.30% APY (12 Month 360 CDs)
- Anthem Bank & Trust: 4.30% APY (60 Month CD)
- EFCU Financial Federal Credit Union: 4.20% APY (12 Month Jumbo IRA Certificates)
- Eagle Louisiana Federal Credit Union: 4.05% APY (1 Year IRA Certificate)
- Neighbors Federal Credit Union: 4.00% APY (48 Month Share Certificates)
- Ascension Credit Union: 3.86% APY (12 Month Share Certificate)
- Concordia Bank & Trust Company: 3.80% APY (Traditional - Variable Rate (18 month))
- BRECO Federal Credit Union: 3.75% APY (12 Month Term Share Certificate)
- UCB Raceland, LA: 3.73% APY (6 Month Certificate)
- Bank of Zachary: 3.70% APY (3 Year Business Certificates of Deposit)
Rates reflect recent verified offers available in Baton Rouge, Louisiana. Last Updated: September 22, 2026
Baton Rouge, 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 Baton Rouge, 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 Baton Rouge, Louisiana
Baton Rouge, Louisiana CD Calculator
At today’s LA top rate of 4.30% APY, a $10,000 deposit earns $430 in the first year. Enter your amount to see your exact return.
Baton Rouge, Louisiana CD LadderLA CD rates currently range from 2.055% (3-month) to 2.754% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Baton Rouge, Louisiana CD at 4.30% 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 2.945% 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 Baton Rouge, 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 Baton Rouge, 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 Baton Rouge, Louisiana. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in LA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 22, 2026
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