What are the current interest rates at Bank of Zachary?

Current rates for Bank of Zachary include: 12-Month CD: 2.65%, 18-Month CD: 2.70%, 24-Month CD: 2.55%, 36-Month CD: 2.30%, 60-Month CD: 2.25%, Savings: 0.30%, MMA: 0.25%

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Bank of Zachary Rates & Review May 2026

Q: How many branches does Bank of Zachary operate?

Bank of Zachary currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Bank of Zachary does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of Zachary provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 5, 2026

Bank of Zachary's 6-Months 6-Month CD rates are at 3.50%, 6-Months 6-Month Certificates of Deposit rates are at 3.50%, 12-Months 12-Month CD rates are at 3.25%, 12-Months 12-Month Certificates of Deposit rates are at 3.25%, 18-Months 18-Month IRA Certificates rates are at 2.80%. Bank of Zachary's savings rates are at 0.30%. Bank of Zachary's money market rates are at 0.25%. MonitorBankRates evaluates the financial stability of Bank of Zachary with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.43%. Rates were last updated on 05/05/2026.

Bank of Zachary money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bank of Zachary? Share your experience about Bank of Zachary by leaving a review below, or read customer reviews before you decide to use Bank of Zachary.

Verified Healthy Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.43%

Excellent Lower than avg

Bank of Zachary

4743 Main St
Zachary, LA 70791

https://www.bankofzachary.com

Bank of Zachary CD Rates

Product	Rate	APY	Term
6 month CD	3.47%	3.50%	6 Months
Min Deposit $2,500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
6 month Certificates of Deposit	3.47%	3.50%	6 Months
Min Balance $2,500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
12 month CD	3.21%	3.25%	12 Months
Min Deposit $2,500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
12 month Certificates of Deposit	3.21%	3.25%	12 Months
Min Balance $2,500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
18 month IRA Certificates	2.77%	2.80%	18 Months
Min Deposit $500 Min Balance $500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
2 Years IRA Certificates	2.72%	2.75%	2 Years
Min Deposit $500 Min Balance $500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
5 Years IRA Certificates	2.72%	2.75%	5 Years
Min Deposit $500 Min Balance $500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
18 month CD	2.67%	2.70%	18 Months
Min Deposit $2,500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
18 month Certificates of Deposit	2.67%	2.70%	18 Months
Min Balance $2,500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
1 Year IRA Certificates	2.62%	2.65%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
1 Year Variable** IRA Certificates	2.62%	2.65%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
3 Years IRA Certificates	2.62%	2.65%	3 Years
Min Deposit $500 Min Balance $500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
2 Years CD	2.53%	2.55%	2 Years
Min Deposit $2,500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
2 Years Certificates of Deposit	2.53%	2.55%	2 Years
Min Balance $2,500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
3 Years CD	2.28%	2.30%	3 Years
Min Deposit $2,500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
3 Years Certificates of Deposit	2.28%	2.30%	3 Years
Min Balance $2,500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
5 Years CD	2.23%	2.25%	5 Years
Min Deposit $2,500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
5 Years Certificates of Deposit	2.23%	2.25%	5 Years
Min Balance $2,500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
90 Days CD	1.74%	1.75%	90 Days
Min Deposit $2,500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
90 Days Certificates of Deposit	1.74%	1.75%	90 Days
Min Balance $2,500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%

Bank of Zachary Savings Rates

Product	Rate	APY
Christmas Savings	0.30%	0.30%
Min Deposit $100 Min Balance $100 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
e-Z Savings	0.30%	0.30%
Min Deposit $25 Min Balance $25 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Regular Savings	0.30%	0.30%
Min Deposit $100 Min Balance $100 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%

Bank of Zachary Money Market Rates

Product	Rate	APY
e-Z Money Market	2.25%	2.27%
Min Deposit $1,500 Min Balance $500,000 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
e-Z Money Market	1.75%	1.75%
Min Deposit $1,500 Min Balance $250,000 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
e-Z Money Market	1.50%	1.51%
Min Deposit $1,500 Min Balance $100,000 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
e-Z Money Market	0.85%	0.85%
Min Deposit $1,500 Min Balance $25,000 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
e-Z Money Market	0.25%	0.25%
Min Deposit $1,500 Min Balance $1,500 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bank of Zachary is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bank of Zachary rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bank of Zachary's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bank of Zachary

Bank Holding Company ZACHARY BANCSHARES INC

Address 4743 Main St, Zachary, LA 70791 · East Baton Rouge

Website https://www.bankofzachary.com

FDIC Certificate # 306

Established 01/01/1904

FDIC Insurance Date 01/01/1934

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.43%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3667%

Return on Equity (ROE) 5.4000%

Non-Performing Loans (NPL) 0.23%

Total Assets $411,205,000

Total Deposits $357,754,000

Equity Capital $39,075,000

Net Income $3,569,000

Headquarters Zachary

Total Offices 5

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

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Frequently Asked Questions About Bank of Zachary

How many branches does Bank of Zachary operate?

Bank of Zachary currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bank of Zachary does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of Zachary provides members with tools to manage their accounts and build a solid financial history.

Does Bank of Zachary offer online and mobile banking?

Most modern institutions like Bank of Zachary provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankofzachary.com.