Louisiana Money Market Rates - October 2026
Brian McKay
Brian McKay
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Louisiana money market account rates range from 0.05% to 4.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Louisiana money market deposit account rates include CENTRICCENTRIC1091 Thomas Rd, West Monroe, LA 71292 5821A5.0 ★Texas Ratio: 8.07%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Money Market Savings at 4.00% APY, Essential Credit UnionEssential Credit Union21925 Highway 1, Plaquemine, LA 70764 5132A5.0 ★Texas Ratio: 11.71%Real return: +0.80%APY minus 2.8% CPI (February 2026) Money Market Accounts at 3.60% APY, BAYOU COMMUNITYBAYOU COMMUNITY5445 POINT CLAIR RD, CARVILLE, LA 70721A+5.0 ★Texas Ratio: 4.05%Real return: +0.80%APY minus 2.8% CPI (February 2026) Relationship Money Market at 3.60% APY, EFCU Financial Federal Credit UnionEFCU Financial Federal Credit Union10719 Airline Hwy, Baton Rouge, LA 70816 4213A+5.0 ★Texas Ratio: 3.39%Real return: +0.76%APY minus 2.8% CPI (February 2026) Platinum Money Market Savings at 3.56% APY, and VirtualBankVirtualBank4440 Nelson Rd, Lake Charles, LA 70605A+5.0 ★Texas Ratio: 5.76%Real return: +0.71%APY minus 2.8% CPI (February 2026) eMoney Market Special at 3.51% APY. Money market rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across Louisiana side-by-side. Louisiana money market rates currently reach as high as 4.00% APY from CENTRIC at 1091 Thomas Rd, West Monroe, LA 71292 5821. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Louisiana and surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Money Market Rates Today in Louisiana
Balance: $50,000+
Balance: $50,000+
On balance above $350,000
Balance: $350,000 or more
Balance: $100,000.00
Balance: $50,000
eMoney Market interest rates and APYs are variable, based on account balances, and subject to change daily without notice. eMoney Market Special rate is for new accounts opened today.
Balance: $100,000 - $249,999.99
Balance: $1,000,000+; Monthly Service Charge: $20 Waived with $100,000 minimum daily balance. Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed. Variable rate, it can increase or decrease during the life of the account. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15
- Oct 7, 20263.50%▲ from 3.25%
- Sep 11, 20263.25%first recorded
Balance: $1,000,000+; Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed Variable rate, it can increase or decrease during the life of the account Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15
- Sep 19, 20263.50%▲ from 3.25%
- Sep 11, 20263.25%first recorded
Dividend credited monthly; Projected Dividend Date: 10/31/2026; Accurate as of 09/17/2026
- Sep 25, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Balance: $100,000.00
Balance: $50,000.00 - $100,000.00
Balance: $0 - $99,999.99
Minimum: $100,000 to $1,000,000; Monthly Service Charge: $20 Waived with $100,000 minimum daily balance. Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed. Variable rate, it can increase or decrease during the life of the account. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15
Minimum: $100,000 to $1,000,000; Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed Variable rate, it can increase or decrease during the life of the account Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15
Introductory rate for the first 6 months; $0 - New Deposits Only; dividend paid at 3.25% APY or 3.20% interest rate; limit 6 pre-authorized withdrawals per month
Balance: $25,000+
- Oct 13, 20263.25%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Balance: $50,000.00 - $100,000.00
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Balance: $500,000 +; Dividend credited monthly; Projected Dividend Date: 10/31/2026
Balance: $250,000 - $499,999.99; Dividend credited monthly; Projected Dividend Date: 10/31/2026
Balance: $250,000+; Dividend credited monthly; Projected Dividend Date: 10/31/2026
- Oct 4, 20262.90%▲ from 2.60%
- Sep 14, 20262.60%first recorded
Balance: $100,000 - $249,999.99; Dividend credited monthly; Projected Dividend Date: 10/31/2026
Balance: $100,000 - $249,999.99; Dividend credited monthly; Projected Dividend Date: 10/31/2026
- Oct 4, 20262.75%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Balance: $2,500 - $99,999.99; Dividend credited monthly; Projected Dividend Date: 10/31/2026
Balance: $2,500 - $99,999.99; Dividend credited monthly; Projected Dividend Date: 10/31/2026
Balance: $25,000 and above
Balance: $100,000-$499,999; Jumbo
- Oct 9, 20262.28%▲ from 2.12%
- Sep 18, 20262.12%first recorded
Balance: $500,000 + (Tier 5)
Balance: $1,000,000 and over
Balance: from $200,000 and up
Balance: from $150,000 to $199,999
Balance: 100,000.00 to 499,999.99
Balance: $500,000 +
Balance: $500,000 - $999,999
Balance: $25,000.00 - $4,999.99
Balance: $250,000.00 - $499,999.99 (Tier 4)
Balance: $100,000 - $499,999.99
Balance: Any balance up to $24,999.99
Balance: $250,000 - $499,999
Balance: $25,000.00 - $4,999.99
Balance: $100,000 - $249,999
Balance: $50,000 and over
Balance: from $100,000 to $149,999
Balance: 50,000.00 to 99,999.99
Balance: $100,000.00 - 249,999.99 (Tier 3)
Balance: from $50,000 to $99,999
Balance: $10,000.01 - $99,999.99
Balance: $100,000.00 and over
Balance: $100,000.00 and over
Balance: $25,000 - $49,999
If Money Market balance falls below $2,500, the dividend rate will be the Regular Savings rate
Balance: $50,000.00 - $99,999.99
Balance: from $25,000 to $49,999
Balance: $10,000 - $24,999
Balance: $50,000 - $349,999
Balance: from $2,500 to $24,999
Balance: $1,000,000 and over
Balance: $1 million and over
Balance: $2,500 - $9,999
Balance: $2,500 - $49,999.99
Balance: $2,500.00 - $49,999.99
On balance above $25,000
Balance: $2,500 - $49,999
Balance: $2,500 - $49,999
Balance: $25,000.00 - $99,999.99 (Tier 2)
Balance: $500,000 to $999,999
Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
Balance: $500,000 to $999,999
Monthly Service Charge: $20 Waived with $10,000 minimum daily balance. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
Balance: Balances over $100,000.00
Balance: Balance over $100,000.00
Balance: $250,000 to $499,999
Balance: $250,000 to $499,999
Balance: 0 to 49,999.99
Balance: greater than $1,000,000
Transaction Limits: Limited
Balance: $0.01 to $249,999
Balance: $0.01 to $249,999
Balance: $1,500.00 - 24,999.99 (Tier 1)
Balance: $25,000.01 - $100,000.00
Balance: $25,000.01 - $100,000.00
Balance: $75,000.00 +
Balance: $50,000 - $99,999
Balance: $100,000 - $999,999
Published APY range: 0.15% to 0.15%; Published rate range: 0.15% to 0.15%. Balance: $50,000.00 - $74,999.99
Balance: $0 - $24,999
Published APY range: 0.10% to 0.10%; Published rate range: 0.10% to 0.10%. Balance: $25,000.00 - $49,999.99
Balance: $1,500 - $99,999
Balance: $2,500.00 - $25,000.00
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Louisiana Money Market Rate Trends
Compare local Louisiana money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Louisiana high-yield MMA rates fell 0.005 points over the past 7 days to 3.147% APY.
Louisiana standard MMA rates rose 0.073 points over the past 7 days to 0.616% APY.
Louisiana Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current LA high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current LA high-yield money market average of 3.147% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Louisiana.
Money Market Account Earnings in Louisiana
Annual interest earnings at current LA average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.147% APY) | Monthly Earnings | Standard MMA (0.616% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $314.67 / year | $26.22 | $61.58 / year | $5.13 |
| $25,000 | $786.68 / year | $65.56 | $153.95 / year | $12.83 |
| $50,000 | $1,573.35 / year | $131.11 | $307.90 / year | $25.66 |
| $100,000 | $3,146.70 / year | $262.22 | $615.80 / year | $51.32 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Louisiana money market rate averages as of October 13, 2026. | ||||
About Our Louisiana Money Market Rate Database
MonitorBankRates tracks 42 money market rates from 16 banks and 26 credit unions offering money market deposit accounts to Louisiana residents, including community institutions, regional banks, and national online options. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: CENTRIC offers a money market account at 4.00% APY. Use the rate table above to compare all current offers in Louisiana.
How to Find the Best Money Market Rates in Louisiana
What to compare when shopping for a money market account in Louisiana
To find the best money market APYs in Louisiana, start with credit unions and online-only banks: Louisiana has 26 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current LA high-yield money market average is 3.147% but top local institutions are offering as high as 4.00%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Louisiana high-yield money market rates currently average 3.147% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Louisiana institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 42 institutions in Louisiana report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Louisiana CD rates
- You don’t need check writing and want a lower minimum Louisiana savings rates
- You need daily transaction access Louisiana checking rates
Louisiana Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
16.7% of residents are 65 or older, below the national average of 17.3%. At today’s LA high-yield money market average of 3.147%, saving 10% of the local median salary ($4,053/year) would earn an additional $128 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Louisiana Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Louisiana.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current LA Avg APY | 3.147% | View Savings Rates | 0.616%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Louisiana averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Louisiana Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Louisiana rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Louisiana
At LA’s top money market rate of 4.00% from CENTRIC, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Louisiana earner is roughly $10,100. At 3.147% APY in a money market account, saving $840/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountLouisiana’s high-yield money market average is 3.147% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Louisiana earner makes $40,534/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.147% APY.
Retirement PlannerA $25,000 money market balance earning 3.147% APY grows to roughly $46,457 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Louisiana money market 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 Money Market Rate Data: We aggregate money market deposit account rates for Louisiana directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Louisiana. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in LA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Louisiana
What is a Money Market Account (MMA)?
Are Money Market accounts in Louisiana safe?
How often do MMA rates change in Louisiana?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Louisiana?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Louisiana for money market accounts?
Best Money Market Rates in Louisiana
- CENTRIC
Business Money Market Savings: 4.00% APY - Essential Credit Union
Money Market Accounts: 3.60% APY - BAYOU COMMUNITY
Relationship Money Market: 3.60% APY - EFCU Financial Federal Credit Union
Platinum Money Market Savings: 3.56% APY - VirtualBank
eMoney Market Special: 3.51% APY
Louisiana Rates & Resources
Cities in Louisiana
