CD Rates Darrow, Louisiana (LA) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Darrow, Louisiana CD rates include Keesler Federal Credit UnionKeesler Federal Credit UnionA+5.0 ★Texas Ratio: 4.31%Real return: +2.20%APY minus CPI (February 2026) offering 6 Month Share & IRA Certificate at 5.00% APY, Heritage Bank of St TammanyHeritage Bank of St TammanyA+5.0 ★Texas Ratio: 3.86%Real return: +1.28%APY minus CPI (February 2026) offering 6 Month Certificate at 4.08% APY, Riverland Federal Credit UnionRiverland Federal Credit UnionA+5.0 ★Texas Ratio: 4.24%Real return: +1.20%APY minus CPI (February 2026) offering Regular Certificates 18-month at 4.00% APY, EFCU Financial Federal Credit UnionEFCU Financial Federal Credit UnionA+5.0 ★Texas Ratio: 2.96%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month Certificate at 4.00% APY, and Citizens Savings Bank Bogalusa, LACitizens Savings Bank Bogalusa, LAA+5.0 ★Texas Ratio: 5.84%Real return: +1.16%APY minus CPI (February 2026) offering 12 Month IRA at 3.96% APY. CD rates as of April 13, 2026 according to verified data from MonitorBankRates.
Darrow is a smaller community with no bank or credit union branches currently in our database. 130 institutions serving the Louisiana area are available to Darrow residents, with CD rates as high as 5.00% APY from Keesler Federal Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 13, 2026
Compare Best CD Rates in Darrow, Louisiana & the Surrounding Area
Consumer Online Banking Only
Promotional rate. Subject to change. Max $50,000 per certificate.
Age 0-17
Limited Time Only
$1,000
Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov. Member FDIC
Pays Monthly
$1,000
APY with La Cap Checking: 3.75%
High Rate, Short Term - Enjoy a competitive rate without locking in your money for years. Guaranteed Growth - Your earnings are safe and predictable. Easy to Open - Start with as little as $500.
Pays Monthly
New Money Only, Pays Monthly
Renewals only at this time.
New Money Only, Pays Monthly
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Darrow, LA CD Rate Trends
Compare local Darrow, 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.
Louisiana 12-month CD rates currently average 2.880% APY based on data from institutions in our monitoring network.
Louisiana 6-month CD rates currently average 2.614% APY based on data from institutions in our monitoring network.
LA CD Rate Forecast — Next 12 Months
Where are Louisiana CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.137% | $106.85 | $213.69 | $534.23 | $1,068.45 |
| 6-Month CD | 2.614% | $130.68 | $261.36 | $653.40 | $1,306.80 |
| 12-Month CD | 2.880% | $144.02 | $288.04 | $720.10 | $1,440.20 |
| 18-Month CD | 3.256% | $162.81 | $325.61 | $814.03 | $1,628.05 |
| 24-Month CD | 2.656% | $132.79 | $265.58 | $663.95 | $1,327.90 |
| 36-Month CD | 2.581% | $129.03 | $258.06 | $645.15 | $1,290.30 |
| 48-Month CD | 2.719% | $135.94 | $271.87 | $679.68 | $1,359.35 |
| 60-Month CD | 2.674% | $133.68 | $267.36 | $668.40 | $1,336.80 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 13, 2026. | |||||
Sample CD Ladder for Darrow, 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 | 2.137% | $106.85 |
| 2 | 6-Month CD | $5,000 | 2.614% | $130.68 |
| 3 | 12-Month CD | $5,000 | 2.880% | $144.02 |
| 4 | 24-Month CD | $5,000 | 2.656% | $132.79 |
| 5 | 36-Month CD | $5,000 | 2.581% | $129.03 |
| Total ($25,000 invested) | $25,000 | 2.573% blended | $643.37/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.
in Darrow, Louisiana
About Our Darrow, Louisiana CD Rate Database
MonitorBankRates tracks CD rates from 14 banks and 25 credit unions with locations in Darrow, Louisiana, plus national online institutions available to Louisiana residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Keesler Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Darrow, Louisiana.
How to Find the Best CD Rates in Darrow, Louisiana
What to compare when shopping for a CD in Darrow, Louisiana
To find the best APYs in Darrow, Louisiana, start with credit unions and online-only banks — Darrow, Louisiana has 25 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 Darrow, 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 Darrow, Louisiana — 39 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Darrow, Louisiana savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Darrow, Louisiana money market rates
Louisiana Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
16.7% of residents are 65 or older — below the national average of 17.3%. At today’s LA 12-month CD average of 2.880%, saving 10% of the local median salary ($4,053/year) and putting it in a CD would earn an additional $117 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Darrow, Louisiana
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Darrow, Louisiana
Are CD rates in Darrow, Louisiana FDIC insured?
Do I have to pay state taxes on CD interest in Darrow, Louisiana?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Darrow, Louisiana?
- Keesler Federal Credit Union: 5.00% APY (6 Month Share & IRA Certificate)
- Heritage Bank of St Tammany: 4.08% APY (6 Month Certificate)
- Riverland Federal Credit Union: 4.00% APY (Regular Certificates 18-month)
- EFCU Financial Federal Credit Union: 4.00% APY (12 Month Certificate)
- Citizens Savings Bank Bogalusa, LA: 3.96% APY (12 Month IRA)
- Essential Credit Union: 3.95% APY (18-Month Certificate Special)
- Red River Employees Federal Credit Union: 3.95% APY (6 Month TEAL Certificate)
- Access Of Louisiana Federal Credit Union: 3.91% APY (Silver Share Certificates 1 Year)
- Investar Bank National Association: 3.90% APY (3-Month Certificate of Deposit)
- Northrop Grumman Federal Credit Union: 3.84% APY (Bonus Certificate 12-Month)
CD Calculators for Darrow, Louisiana
At today’s LA top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Darrow, Louisiana CD LadderLA CD rates currently range from 2.137% (3-month) to 2.581% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Darrow, Louisiana CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsLouisiana’s average 12-month CD is 2.880% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Darrow, Louisiana directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Darrow, 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.
