MonitorBankRates
☰
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CD Rate Trends

Baton Rouge, Louisiana Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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.
Read Full Bio
| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

Baton Rouge, Louisiana CD rates range from 0.05% to 4.95% APY, verified by MonitorBankRates as of October 23, 2026. Current Baton Rouge, Louisiana CD rates include La Capitol Federal Credit UnionLa Capitol Federal Credit Union700 Main St, Baton Rouge, LA 70802 5501A5.0 ★Texas Ratio: 7.48%Real return: +0.85%APY minus CPIRate verified Oct 23, 2026 offering 5 Year Super Saver Share Certificate at 4.55% APY, Anthem Bank & TrustAnthem Bank & Trust10430 Perkins Rd, Baton Rouge, LA 70810A+5.0 ★Texas Ratio: 3.32%Real return: +0.60%APY minus CPIRate verified Oct 21, 2026 offering 60 Month CDVantage CD at 4.30% APY, Hancock Whitney BankHancock Whitney Bank445 North Blvd, Baton Rouge, LA 70802A+5.0 ★Texas Ratio: 3.41%Real return: +0.55%APY minus CPIRate verified Oct 20, 2026 offering Certificate of Deposit - 24 Month CD at 4.25% APY, Campus Federal Credit UnionCampus Federal Credit Union6230 Perkins Rd, Baton Rouge, LA 70808A+5.0 ★Texas Ratio: 1.21%Real return: +0.55%APY minus CPIRate verified Oct 23, 2026 offering 24 Month Certificate Account at 4.25% APY, and EFCU Financial Federal Credit UnionEFCU Financial Federal Credit Union10719 Airline Hwy, Baton Rouge, LA 70816 4213A+5.0 ★Texas Ratio: 3.39%Real return: +0.50%APY minus CPIRate verified Oct 23, 2026 offering 12 Month Jumbo IRA Certificates at 4.20% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Baton Rouge has 338 local institutions in our database, with CD rates as high as 4.55% APY from La Capitol Federal Credit Union at 700 Main St, Baton Rouge, LA 70802 5501. 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: October 23, 2026

Compare Best CD Rates in Baton Rouge, Louisiana & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Baton Rouge 3 Month CD Rates

Louisiana 3 Month CD Average2.38% APYNational 2.13%▼ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
3-Month Certificate
$500
3.76% ▲ 1.38% above Louisiana avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average2.38%▲ 1.38% above avgNationally 2.13%
Details

Rate History
1 change since Sep 25, 2026 · 3.50% → 3.76% ▲ 0.26 pts · high 3.76% / low 3.50%
3.00%3.63%4.26%Sep 25, 2026: 3.50% APYOct 4, 2026: 3.76% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20263.76%▲ from 3.50%
  • Sep 25, 20263.50%first recorded
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
3 Month Share Certificate
$0
3.72% ▲ 1.34% above Louisiana avg
View
▼
Rate3.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average2.38%▲ 1.34% above avgNationally 2.13%
Details

# of days: 91 - 181; Minimum balance $1500.00

Rate History
No change since Oct 15, 2026 · 3.72% APY · checked 2 times
3.22%3.72%4.22%Oct 15, 2026: 3.72% APYOct 15, 2026Oct 25, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA 3 Month Certificate
$0
3.72% ▲ 1.34% above Louisiana avg
View
▼
Rate3.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average2.38%▲ 1.34% above avgNationally 2.13%
Details

Days: 91 - 181; Minimum balance $1500.00; Dividends compounded and posted monthly

Rate History
No change since Oct 23, 2026 · 3.72% APY
3.22%3.72%4.22%Oct 23, 2026: 3.72% APYOct 23, 2026Oct 25, 2026
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% ▲ 1.12% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average2.38%▲ 1.12% above avgNationally 2.13%
Details

APY accurate as of 10/1/2026; CDs opened online have a maximum deposit limit of $500,000

Rate History
No change since Sep 11, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 11, 2026: 3.50% APYSep 11, 2026Oct 25, 2026
First American Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
5412 Jones Creek Rd, Baton Rouge, LA 70817
3 Month CD
$1,000
3.44% ▲ 1.06% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average2.38%▲ 1.06% above avgNationally 2.13%
Details

Certificates of Deposit; Interest rates set weekly; Annual Percentage Yields (APYs) are variable and effective as of 4/28/2026

Rate History
No change since Sep 8, 2026 · 3.44% APY · checked 11 times
2.94%3.44%3.94%Sep 8, 2026: 3.44% APYSep 8, 2026Oct 25, 2026
Resource Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
9513 Jefferson Hwy, Baton Rouge, LA 70809
3-Month Online CD
$1,000
3.03% ▲ 0.65% above Louisiana avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average2.38%▲ 0.65% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.03% APY
2.53%3.03%3.53%Oct 22, 2026: 3.03% APYOct 22, 2026Oct 25, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3700 Essen Ln, Baton Rouge, LA 70809
CD - 3 Month
$0
2.94% ▲ 0.56% above Louisiana avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average2.38%▲ 0.56% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 7 times
2.44%2.94%3.44%Sep 18, 2026: 2.94% APYSep 18, 2026Oct 25, 2026
Formation Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
10289 Airline Hwy, Baton Rouge, LA 70816
3 Month Share Certificate
$0
2.75% ▲ 0.37% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average2.38%▲ 0.37% above avgNationally 2.13%
Details

Compound method: 2

Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 25, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
Personal or Business Certificate of Deposit Products - 3 Months
$0
2.52% ▲ 0.14% above Louisiana avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average2.38%▲ 0.14% above avgNationally 2.13%
Details

Minimum balance to open account/obtain stated APY: $1,000.00; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 2.52% APY · checked 3 times
2.02%2.52%3.02%Oct 14, 2026: 2.52% APYOct 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
3 Month Certificate of Deposit
$500
2.00% ▼ 0.38% below Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average2.38%▼ 0.38% below avgNationally 2.13%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
90 Day Certificate of Deposit
$2,500
1.75% ▼ 0.63% below Louisiana avg
View
▼
Rate1.74%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average2.38%▼ 0.63% below avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
Business Certificates of Deposit - 90 Days
$2,500
1.75% ▼ 0.63% below Louisiana avg
View
▼
Rate1.74%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average2.38%▼ 0.63% below avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
Certificates of Deposit - 90 Days
$2,500
1.75% ▼ 0.63% below Louisiana avg
View
▼
Rate1.74%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average2.38%▼ 0.63% below avgNationally 2.13%
Details

Minimum to obtain APY: $2,500; APY = Annual Percentage Yield; rates may change at any time without prior notice; interest rate fixed for the term; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 25, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
Certificates of Deposits - 3 Month
$2,500
1.51% ▼ 0.87% below Louisiana avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average2.38%▼ 0.87% below avgNationally 2.13%
Details

Compound: At Maturity

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 25, 2026
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
665 Florida St, Baton Rouge, LA 70801
Personal Certificates of Deposit - 90 Days
$1,000
0.10% ▼ 2.28% below Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average2.38%▼ 2.28% below avgNationally 2.13%
Details

Interest Credited: Maturity

Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 14, 2026: 0.10% APYOct 14, 2026Oct 25, 2026
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3700 Essen Ln, Baton Rouge, LA 70809
90 Day Regular CD Account
$0
0.05% ▼ 2.33% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average2.38%▼ 2.33% below avgNationally 2.13%
Details

Type: Regular; Next Steps: Open Now

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 25, 2026
CUSA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3 Month Share & IRA Certificates of Deposit
$1,000
3.85% ▲ 1.47% above Louisiana avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average2.38%▲ 1.47% above avgNationally 2.13%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 14, 2026: 3.50% APYOct 4, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20263.85%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificates of Deposit
$0
3.50% ▲ 1.12% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average2.38%▲ 1.12% above avgNationally 2.13%
Details

Minimum Balance $500

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 25, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 3 months
$0
3.50% ▲ 1.12% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average2.38%▲ 1.12% above avgNationally 2.13%
Details

Accurate as of 09/30/2026

Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 2, 2026: 3.50% APYOct 2, 2026Oct 25, 2026
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Certificate Account - 3 Months
$1,000
3.50% ▲ 1.12% above Louisiana avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average2.38%▲ 1.12% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Certificate Accounts - 3 Months
$1,000
3.50% ▲ 1.12% above Louisiana avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average2.38%▲ 1.12% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
IRA Account - 3 Months
$1,000
3.50% ▲ 1.12% above Louisiana avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average2.38%▲ 1.12% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month Share Certificate
$500
3.50% ▲ 1.12% above Louisiana avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average2.38%▲ 1.12% above avgNationally 2.13%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Oct 5, 2026: 3.30% APYOct 13, 2026: 3.50% APYOct 5, 2026Oct 25, 2026
  • Oct 13, 20263.50%▲ from 3.30%
  • Oct 5, 20263.30%first recorded
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
3 Month Share Certificates
$0
3.15% ▲ 0.77% above Louisiana avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average2.38%▲ 0.77% above avgNationally 2.13%
Details

Balance: $25,000 - $100,000

Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 14, 2026: 3.15% APYOct 14, 2026Oct 25, 2026
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
3 Month Share Certificates
$0
2.89% ▲ 0.51% above Louisiana avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average2.38%▲ 0.51% above avgNationally 2.13%
Details

Balance: $15,000 - $24,999.99

Rate History
No change since Oct 14, 2026 · 2.89% APY · checked 2 times
2.39%2.89%3.39%Oct 14, 2026: 2.89% APYOct 14, 2026Oct 25, 2026
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
90 Day Fixed Rate CD
$500
2.70% ▲ 0.32% above Louisiana avg
View
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average2.38%▲ 0.32% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 8 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Regular, IRA & Business Jumbo Certificates
$0
2.65% ▲ 0.27% above Louisiana avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average2.38%▲ 0.27% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 14, 2026: 2.65% APYOct 14, 2026Oct 25, 2026
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
3 Month Share Certificates
$0
2.63% ▲ 0.25% above Louisiana avg
View
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average2.38%▲ 0.25% above avgNationally 2.13%
Details

Balance: $5,000 - $14,999.99

Rate History
No change since Oct 14, 2026 · 2.63% APY · checked 2 times
2.13%2.63%3.13%Oct 14, 2026: 2.63% APYOct 14, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Regular, IRA & Business Junior Jumbo Certificates
$0
2.55% ▲ 0.17% above Louisiana avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average2.38%▲ 0.17% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 2.55% APY · checked 2 times
2.05%2.55%3.05%Oct 14, 2026: 2.55% APYOct 14, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Regular, IRA & Business Certificates
$0
2.45% ▲ 0.07% above Louisiana avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average2.38%▲ 0.07% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 2.45% APY · checked 2 times
1.95%2.45%2.95%Oct 14, 2026: 2.45% APYOct 14, 2026Oct 25, 2026
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
3 Month Share Certificates
$0
2.38% At Louisiana avg
View
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average2.38%At the averageNationally 2.13%
Details

Balance: $500 - $4,999.99

Rate History
No change since Oct 6, 2026 · 2.38% APY · checked 4 times
1.88%2.38%2.88%Oct 6, 2026: 2.38% APYOct 6, 2026Oct 25, 2026
Planters Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
Time Deposits Maturing < 1 Year - 3 Month
$500
2.02% ▼ 0.36% below Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average2.38%▼ 0.36% below avgNationally 2.13%
Details

Time Deposits Maturing < 1 Year; $500 minimum opening deposit

Rate History
No change since Oct 22, 2026 · 2.02% APY
1.52%2.02%2.52%Oct 22, 2026: 2.02% APYOct 22, 2026Oct 25, 2026
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Share Certificate - 90 Days
$1,500
1.90% ▼ 0.48% below Louisiana avg
View
▼
Rate1.88%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average2.38%▼ 0.48% below avgNationally 2.13%
Details

Rates as of 06/02/2025

Rate History
No change since Sep 14, 2026 · 1.90% APY · checked 9 times
1.40%1.90%2.40%Sep 14, 2026: 1.90% APYSep 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.55% ▼ 0.83% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average2.38%▼ 0.83% below avgNationally 2.13%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 20, 2026: 1.55% APYOct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.50% ▼ 0.88% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average2.38%▼ 0.88% below avgNationally 2.13%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 25, 2026
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
Term Share Certificate - 3 Month
$0
1.30% ▼ 1.08% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average2.38%▼ 1.08% below avgNationally 2.13%
Details

Rate History
No change since Oct 5, 2026 · 1.30% APY · checked 3 times
0.80%1.30%1.80%Oct 5, 2026: 1.30% APYOct 5, 2026Oct 25, 2026
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
3-Month Certificate
$500
0.99% ▼ 1.39% below Louisiana avg
View
▼
Rate0.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average2.38%▼ 1.39% below avgNationally 2.13%
Details

Pays Monthly

Rate History
No change since Sep 14, 2026 · 0.99% APY · checked 9 times
0.49%0.99%1.49%Sep 14, 2026: 0.99% APYSep 14, 2026Oct 25, 2026
American Bank & Trust Company LA
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
90 Day CD
$1,000
0.65% ▼ 1.73% below Louisiana avg
View
▼
Rate0.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average2.38%▼ 1.73% below avgNationally 2.13%
Details

Rate History
No change since Sep 7, 2026 · 0.65% APY · checked 10 times
0.15%0.65%1.15%Sep 7, 2026: 0.65% APYSep 7, 2026Oct 25, 2026
BOSSIER
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
Share Certificates - 3 Months
$0
0.25% ▼ 2.13% below Louisiana avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average2.38%▼ 2.13% below avgNationally 2.13%
Details

Rate History
No change since Oct 19, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 19, 2026: 0.25% APYOct 19, 2026Oct 25, 2026

Baton Rouge 6 Month CD Rates

Louisiana 6 Month CD Average3.13% APYNational 2.78%▼ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
6 Month Jumbo IRA Certificates
$0
4.20% ▲ 1.07% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 1.07% above avgNationally 2.78%
Details

Rate History
No change since Sep 20, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 20, 2026: 4.20% APYSep 20, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
6 Month IRA Certificates
$0
4.10% ▲ 0.97% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 0.97% above avgNationally 2.78%
Details

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
6 Month Jumbo Certificates
$0
4.10% ▲ 0.97% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 0.97% above avgNationally 2.78%
Details

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
6 Month Share Certificates
$0
4.00% ▲ 0.87% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 0.87% above avgNationally 2.78%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 25, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
6-Month Certificate
$500
4.00% ▲ 0.87% above Louisiana avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 0.87% above avgNationally 2.78%
Details

Rate History
1 change since Sep 25, 2026 · 3.82% → 4.00% ▲ 0.18 pts · high 4.00% / low 3.82%
3.32%3.91%4.50%Sep 25, 2026: 3.82% APYOct 4, 2026: 4.00% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.00%▲ from 3.82%
  • Sep 25, 20263.82%first recorded
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
6 Month Share Certificates
$0
3.90% ▲ 0.77% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.13%▲ 0.77% above avgNationally 2.78%
Details

Minimum Balance: $1,000 and up; Step-Up Option listed for this table

Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 25, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
6 Month Share Certificate
$0
3.82% ▲ 0.69% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 0.69% above avgNationally 2.78%
Details

# of days: 182 - 272; Minimum balance $1500.00

Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 15, 2026: 3.82% APYOct 15, 2026Oct 25, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA 6 Month Certificate
$0
3.82% ▲ 0.69% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 0.69% above avgNationally 2.78%
Details

Days: 182 - 272; Minimum balance $1500.00; Dividends compounded and posted monthly

Rate History
No change since Oct 23, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 23, 2026: 3.82% APYOct 23, 2026Oct 25, 2026
SOUTHERN TEACHERS and PARENTS
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
728 Harding Blvd, Baton Rouge, LA 70807
Share Term Certificate - 6 months
$0
3.75% ▲ 0.62% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.13%▲ 0.62% above avgNationally 2.78%
Details

Rates effective as of 12/17/2025

Rate History
No change since Oct 22, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
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% ▲ 0.60% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.13%▲ 0.60% above avgNationally 2.78%
Details

APY accurate as of 10/1/2026; CDs opened online have a maximum deposit limit of $500,000

Rate History
No change since Sep 11, 2026 · 3.73% APY · checked 8 times
3.23%3.73%4.23%Sep 11, 2026: 3.73% APYSep 11, 2026Oct 25, 2026
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
704 Mayflower St, Baton Rouge, LA 70802 6423
6 Month Share Certificate
$0
3.65% ▲ 0.52% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.13%▲ 0.52% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
704 Mayflower St, Baton Rouge, LA 70802 6423
IRA Certificate (Traditional or Roth) - 6 Months
$0
3.65% ▲ 0.52% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.13%▲ 0.52% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
6 Month CDVantage CD
$100,000
3.60% ▲ 0.47% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.13%▲ 0.47% above avgNationally 2.78%
Details

Interest Frequency: Monthly; Maturity Date: 01-14-2027; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 21, 2026: 3.60% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
CDVantage CD - 6 Months
$100,000
3.60% ▲ 0.47% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.13%▲ 0.47% above avgNationally 2.78%
Details

Interest Frequency: Monthly; Nationally sourced CD offering via CDVantage

Rate History
No change since Oct 21, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 21, 2026: 3.60% APYOct 21, 2026Oct 25, 2026
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2271 College Dr, Baton Rouge, LA 70808 1839
6 Month Share Certificate
$0
3.60% ▲ 0.47% above Louisiana avg
View
▼
Rate3.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.13%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
Personal or Business Certificate of Deposit Products - 6 Months
$0
3.55% ▲ 0.42% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.13%▲ 0.42% above avgNationally 2.78%
Details

Minimum balance to open account/obtain stated APY: $1,000.00; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
6 Month Certificate of Deposit
$2,500
3.50% ▲ 0.37% above Louisiana avg
View
▼
Rate3.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.13%▲ 0.37% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYOct 11, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 11, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
Business Certificates of Deposit - 6 Months
$2,500
3.50% ▲ 0.37% above Louisiana avg
View
▼
Rate3.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.13%▲ 0.37% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYOct 11, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 11, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
Certificates of Deposit - 6 Months
$2,500
3.50% ▲ 0.37% above Louisiana avg
View
▼
Rate3.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.13%▲ 0.37% above avgNationally 2.78%
Details

Minimum to obtain APY: $2,500; APY = Annual Percentage Yield; rates may change at any time without prior notice; interest rate fixed for the term; early withdrawal penalty applies

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYOct 11, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 11, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
6 Month CDVantage CD
$100,000
3.50% ▲ 0.37% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.13%▲ 0.37% above avgNationally 2.78%
Details

Interest Frequency: Monthly; Maturity Date: 01-14-2027; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 21, 2026: 3.50% APYOct 21, 2026Oct 25, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
6 Month Share Certificate
$2,500
3.50% ▲ 0.37% above Louisiana avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 0.37% above avgNationally 2.78%
Details

Effective Date: 10/09/2026; Dividends Credited: Monthly

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
6725 Siegen Ln, Baton Rouge, LA 70809
6-month Certificate
$500
3.50% ▲ 0.37% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.13%▲ 0.37% above avgNationally 2.78%
Details

Featured Certificate Rate

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
First American Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
5412 Jones Creek Rd, Baton Rouge, LA 70817
6 Month CD
$1,000
3.43% ▲ 0.30% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.13%▲ 0.30% above avgNationally 2.78%
Details

Certificates of Deposit; Interest rates set weekly; Annual Percentage Yields (APYs) are variable and effective as of 4/28/2026

Rate History
No change since Sep 8, 2026 · 3.43% APY · checked 11 times
2.93%3.43%3.93%Sep 8, 2026: 3.43% APYSep 8, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
3110 College Dr, Baton Rouge, LA 70808
6 Month 360 CD
$0
3.30% ▲ 0.17% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.13%▲ 0.17% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.30% ▼ 1.00 pts · high 4.30% / low 3.30%
2.30%3.80%5.30%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.30% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.30%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Resource Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
9513 Jefferson Hwy, Baton Rouge, LA 70809
6-Month Online CD
$1,000
3.28% ▲ 0.15% above Louisiana avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.13%▲ 0.15% above avgNationally 2.78%
Details

Rate History
No change since Oct 22, 2026 · 3.28% APY
2.78%3.28%3.78%Oct 22, 2026: 3.28% APYOct 22, 2026Oct 25, 2026
LES
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
950 N 22nd St Ste C, Baton Rouge, LA 70802
6 month Share Certificate
$0
3.27% ▲ 0.14% above Louisiana avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.13%▲ 0.14% above avgNationally 2.78%
Details

Minimum $500 to earn Dividends Pd at Maturity; Dividend Rate; APY*; penalty may apply for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.27% APY · checked 2 times
2.77%3.27%3.77%Oct 14, 2026: 3.27% APYOct 14, 2026Oct 25, 2026
BRECO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
6 Month Term Share Certificate
$0
3.25% ▲ 0.12% above Louisiana avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 0.12% above avgNationally 2.78%
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.

Rate History
No change since Sep 21, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 21, 2026: 3.25% APYSep 21, 2026Oct 25, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3700 Essen Ln, Baton Rouge, LA 70809
CD - 6 Month
$0
3.20% ▲ 0.07% above Louisiana avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.13%▲ 0.07% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 25, 2026
Formation Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
10289 Airline Hwy, Baton Rouge, LA 70816
6 Month Share Certificate
$0
3.00% ▼ 0.13% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▼ 0.13% below avgNationally 2.78%
Details

Compound method: 3

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 25, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
Certificates of Deposits - 6 Month
$2,500
2.77% ▼ 0.36% below Louisiana avg
View
▼
Rate2.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.13%▼ 0.36% below avgNationally 2.78%
Details

Compound: At Maturity

Rate History
No change since Sep 14, 2026 · 2.77% APY · checked 7 times
2.27%2.77%3.27%Sep 14, 2026: 2.77% APYSep 14, 2026Oct 25, 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 (6 mo)
$1,000
2.77% ▼ 0.36% below Louisiana avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.13%▼ 0.36% below avgNationally 2.78%
Details

Compound: Semi-Annual

Rate History
No change since Sep 14, 2026 · 2.77% APY · checked 7 times
2.27%2.77%3.27%Sep 14, 2026: 2.77% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
6 Month Certificate of Deposit
$500
2.25% ▼ 0.88% below Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.13%▼ 0.88% below avgNationally 2.78%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
6 Month IRA Certificate of Deposit
$500
2.25% ▼ 0.88% below Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.13%▼ 0.88% below avgNationally 2.78%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 27, 2026: 2.25% APYSep 27, 2026Oct 25, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1201 Capitol Access Rd, Baton Rouge, LA 70802 4438
6 Month Jumbo Share & IRA Certificates
$0
0.45% ▼ 2.68% below Louisiana avg
View
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▼ 2.68% below avgNationally 2.78%
Details

IRS early withdrawal penalties may apply on IRA withdrawals

Rate History
No change since Oct 12, 2026 · 0.45% APY · checked 3 times
0.00%0.48%0.95%Oct 12, 2026: 0.45% APYOct 12, 2026Oct 25, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1201 Capitol Access Rd, Baton Rouge, LA 70802 4438
Share & IRA Certificate Accounts - 6 Month
$0
0.35% ▼ 2.78% below Louisiana avg
View
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▼ 2.78% below avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 0.35% APY · checked 3 times
0.00%0.43%0.85%Oct 12, 2026: 0.35% APYOct 12, 2026Oct 25, 2026
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
665 Florida St, Baton Rouge, LA 70801
Personal Certificates of Deposit - 180 Days
$1,000
0.15% ▼ 2.98% below Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.13%▼ 2.98% below avgNationally 2.78%
Details

Interest Credited: Maturity

Rate History
No change since Oct 14, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Oct 14, 2026: 0.15% APYOct 14, 2026Oct 25, 2026
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3700 Essen Ln, Baton Rouge, LA 70809
180 Day Regular CD Account
$0
0.10% ▼ 3.03% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.13%▼ 3.03% below avgNationally 2.78%
Details

Type: Regular; Next Steps: Open Now

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month TEAL Certificate (Age 13-17)
$250
4.33% ▲ 1.20% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 1.20% above avgNationally 2.78%
Details

Ages: 13-17; Dividends Credited/Compounded: Monthly

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 4, 2026: 4.33% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6-Month TEAL Certificate for Teens
$250
4.33% ▲ 1.20% above Louisiana avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 1.20% above avgNationally 2.78%
Details

Ages: 13-17; Teens Earning And Learning; APY compounded monthly

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 4, 2026: 4.33% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 6 Months
$500
4.33% ▲ 1.20% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 1.20% above avgNationally 2.78%
Details

Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly

Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 15, 2026: 4.33% APYOct 15, 2026Oct 25, 2026
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Share Certificate 6-Month
$1,000
4.33% ▲ 1.20% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.13%▲ 1.20% above avgNationally 2.78%
Details

Base Rate + 1.25%; APR: 4.25%; Dividends paid monthly

Rate History
No change since Sep 18, 2026 · 4.33% APY · checked 5 times
3.83%4.33%4.83%Sep 18, 2026: 4.33% APYSep 18, 2026Oct 25, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
6-Month Regular Certificate or IRA Certificate
$10,000
4.25% ▲ 1.12% above Louisiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 1.12% above avgNationally 2.78%
Details

Deposit: $10,000+

Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 25, 2026
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Share Certificate 6-Month
$1,000
4.07% ▲ 0.94% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.13%▲ 0.94% above avgNationally 2.78%
Details

Base Rate + 1.00%; APR: 4.00%; Dividends paid monthly

Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 18, 2026: 4.07% APYSep 18, 2026Oct 25, 2026
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
6 Month IRA
$250
4.06% ▲ 0.93% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.13%▲ 0.93% above avgNationally 2.78%
Details

Rate History
1 change since Sep 24, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 24, 2026: 3.80% APYOct 8, 2026: 4.06% APYSep 24, 2026Oct 25, 2026
  • Oct 8, 20264.06%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
6 Month CD
$2,500
4.04% ▲ 0.91% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.13%▲ 0.91% above avgNationally 2.78%
Details

Rate History
1 change since Sep 24, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
3.29%3.92%4.54%Sep 24, 2026: 3.79% APYOct 8, 2026: 4.04% APYSep 24, 2026Oct 25, 2026
  • Oct 8, 20264.04%▲ from 3.79%
  • Sep 24, 20263.79%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
6 Month Youth Certificate
$1,000
4.00% ▲ 0.87% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 0.87% above avgNationally 2.78%
Details

Term: 6 months, 12 months, 3 years or 5 years

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 25, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
6-Month Regular Certificate or IRA Certificate
$2,000
4.00% ▲ 0.87% above Louisiana avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 0.87% above avgNationally 2.78%
Details

Deposit: $2,000-$9,999

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 25, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
Share Certificate/IRA Share Certificate - 6 months
$1,000
4.00% ▲ 0.87% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 0.87% above avgNationally 2.78%
Details

Rate History
No change since Oct 23, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 25, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
Certificate Account - 6 Months
$1,000
4.00% ▲ 0.87% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 0.87% above avgNationally 2.78%
Details

Minimum opening deposit $1,000; Term options 6, 12, 24, 36, 48 and 60 months

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Share Certificate
$500
3.85% ▲ 0.72% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.13%▲ 0.72% above avgNationally 2.78%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Oct 5, 2026: 3.50% APYOct 13, 2026: 3.85% APYOct 5, 2026Oct 25, 2026
  • Oct 13, 20263.85%▲ from 3.50%
  • Oct 5, 20263.50%first recorded

Baton Rouge 12 Month CD Rates

Louisiana 12 Month CD Average3.45% APYNational 2.99%▼ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
1 Year Super Saver Share Certificate
$100,000
4.25% ▲ 0.80% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.80% above avgNationally 2.99%
Details

APY with La Cap Checking; Dividends Credited: Monthly; Effective Date: 10/09/2026

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.25% ▲ 0.90 pts · high 4.25% / low 3.35%
2.45%3.80%5.15%Sep 14, 2026: 3.35% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.25%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
12 Month Jumbo IRA Certificates
$0
4.20% ▲ 0.75% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.75% above avgNationally 2.99%
Details

Rate History
No change since Sep 20, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 20, 2026: 4.20% APYSep 20, 2026Oct 25, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
1 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.20% ▲ 0.75% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.75% above avgNationally 2.99%
Details

Requires La Cap Checking account; Dividends credited monthly; Effective Date: 10/09/2026

Rate History
2 changes since Sep 14, 2026 · 3.30% → 4.20% ▲ 0.90 pts · high 4.20% / low 3.30%
2.40%3.75%5.10%Sep 14, 2026: 3.30% APYOct 13, 2026: 3.80% APYOct 15, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.20%▲ from 3.80%
  • Oct 13, 20263.80%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
12 Month IRA Certificates
$0
4.10% ▲ 0.65% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.65% above avgNationally 2.99%
Details

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
12 Month Jumbo Certificates
$0
4.10% ▲ 0.65% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.65% above avgNationally 2.99%
Details

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Oct 25, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
1-Year Certificate
$500
4.10% ▲ 0.65% above Louisiana avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.65% above avgNationally 2.99%
Details

Rate History
1 change since Sep 25, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 25, 2026: 4.05% APYOct 4, 2026: 4.10% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.10%▲ from 4.05%
  • Sep 25, 20264.05%first recorded
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
1 Year IRA Certificate
$0
4.05% ▲ 0.60% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.45%▲ 0.60% above avgNationally 2.99%
Details

Individual Retirement Accounts (IRA)

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYSep 17, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Sep 17, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
1 Year Share Certificates
$0
4.05% ▲ 0.60% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.45%▲ 0.60% above avgNationally 2.99%
Details

Minimum Balance: $1,000 and up; Step-Up Option listed for this table

Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 25, 2026
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
12 Month Starter Certificate
$0
4.05% ▲ 0.60% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.45%▲ 0.60% above avgNationally 2.99%
Details

Continue to add funds through payroll; dividends compounded and paid monthly on average daily balance

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYSep 17, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Sep 17, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
3110 College Dr, Baton Rouge, LA 70808
1-year online CDs
$0
4.00% ▲ 0.55% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.45%▲ 0.55% above avgNationally 2.99%
Details

Online CD

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
3110 College Dr, Baton Rouge, LA 70808
12 Month 360 CD
$0
4.00% ▲ 0.55% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.45%▲ 0.55% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
12 Month Share Certificates
$0
4.00% ▲ 0.55% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.55% above avgNationally 2.99%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
12 Month Certificate of Deposit
$2,500
3.95% ▲ 0.50% above Louisiana avg
View
▼
Rate3.89%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.45%▲ 0.50% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.95% ▲ 0.40 pts · high 3.95% / low 3.55%
3.05%3.75%4.45%Sep 14, 2026: 3.55% APYSep 24, 2026: 3.70% APYOct 11, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 11, 20263.95%▲ from 3.70%
  • Sep 24, 20263.70%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
Business Certificates of Deposit - 12 Months
$2,500
3.95% ▲ 0.50% above Louisiana avg
View
▼
Rate3.89%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.45%▲ 0.50% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.95% ▲ 0.40 pts · high 3.95% / low 3.55%
3.05%3.75%4.45%Sep 14, 2026: 3.55% APYSep 24, 2026: 3.70% APYOct 11, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 11, 20263.95%▲ from 3.70%
  • Sep 24, 20263.70%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
Certificates of Deposit - 12 Months
$2,500
3.95% ▲ 0.50% above Louisiana avg
View
▼
Rate3.89%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.45%▲ 0.50% above avgNationally 2.99%
Details

Minimum to obtain APY: $2,500; APY = Annual Percentage Yield; rates may change at any time without prior notice; interest rate fixed for the term; early withdrawal penalty applies

Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.95% ▲ 0.40 pts · high 3.95% / low 3.55%
3.05%3.75%4.45%Sep 14, 2026: 3.55% APYSep 24, 2026: 3.70% APYOct 11, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 11, 20263.95%▲ from 3.70%
  • Sep 24, 20263.70%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
IRA 1 Year
$500
3.95% ▲ 0.50% above Louisiana avg
View
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.45%▲ 0.50% above avgNationally 2.99%
Details

Rate History
No change since Oct 21, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 21, 2026: 3.95% APYOct 21, 2026Oct 25, 2026
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2271 College Dr, Baton Rouge, LA 70808 1839
12 Month Share Certificate
$0
3.86% ▲ 0.41% above Louisiana avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.45%▲ 0.41% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.86% APY · checked 6 times
3.36%3.86%4.36%Sep 14, 2026: 3.86% APYSep 14, 2026Oct 25, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
1 Year Super Saver Share Certificate
$100,000
3.85% ▲ 0.40% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.40% above avgNationally 2.99%
Details

Dividends Credited: Monthly; Effective Date: 10/09/2026

Rate History
2 changes since Sep 14, 2026 · 3.35% → 3.85% ▲ 0.50 pts · high 4.25% / low 3.35%
2.45%3.80%5.15%Sep 14, 2026: 3.35% APYOct 13, 2026: 4.25% APYOct 23, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.85%▼ from 4.25%
  • Oct 13, 20264.25%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
12 Month Certificate Account
$0
3.83% ▲ 0.38% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.38% above avgNationally 2.99%
Details

Dividends credited quarterly

Rate History
1 change since Sep 20, 2026 · 3.55% → 3.83% ▲ 0.28 pts · high 3.83% / low 3.55%
3.05%3.69%4.33%Sep 20, 2026: 3.55% APYOct 4, 2026: 3.83% APYSep 20, 2026Oct 25, 2026
  • Oct 4, 20263.83%▲ from 3.55%
  • Sep 20, 20263.55%first recorded
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
12 Month Jumbo Certificate Accounts
$0
3.83% ▲ 0.38% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.38% above avgNationally 2.99%
Details

Dividends credited quarterly

Rate History
1 change since Sep 20, 2026 · 3.55% → 3.83% ▲ 0.28 pts · high 3.83% / low 3.55%
3.05%3.69%4.33%Sep 20, 2026: 3.55% APYOct 4, 2026: 3.83% APYSep 20, 2026Oct 25, 2026
  • Oct 4, 20263.83%▲ from 3.55%
  • Sep 20, 20263.55%first recorded
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Certificate Account - 12 months
$0
3.83% ▲ 0.38% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.38% above avgNationally 2.99%
Details

Dividends credited quarterly

Rate History
No change since Oct 15, 2026 · 3.83% APY · checked 2 times
3.33%3.83%4.33%Oct 15, 2026: 3.83% APYOct 15, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Certificate Accounts - 12 months
$0
3.83% ▲ 0.38% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.38% above avgNationally 2.99%
Details

Dividends credited quarterly

Rate History
No change since Oct 15, 2026 · 3.83% APY · checked 2 times
3.33%3.83%4.33%Oct 15, 2026: 3.83% APYOct 15, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Jumbo Certificate - 12 months
$0
3.83% ▲ 0.38% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.38% above avgNationally 2.99%
Details

Dividends credited quarterly

Rate History
1 change since Sep 20, 2026 · 3.55% → 3.83% ▲ 0.28 pts · high 3.83% / low 3.55%
3.05%3.69%4.33%Sep 20, 2026: 3.55% APYOct 4, 2026: 3.83% APYSep 20, 2026Oct 25, 2026
  • Oct 4, 20263.83%▲ from 3.55%
  • Sep 20, 20263.55%first recorded
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
12 Month Share Certificate
$0
3.82% ▲ 0.37% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.37% above avgNationally 2.99%
Details

# of days: 365 - 546; Minimum balance $1500.00

Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 15, 2026: 3.82% APYOct 15, 2026Oct 25, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA 12 Month Certificate
$0
3.82% ▲ 0.37% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.37% above avgNationally 2.99%
Details

Days: 365 - 546; Minimum balance $1500.00; Dividends compounded and posted monthly

Rate History
No change since Oct 23, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 23, 2026: 3.82% APYOct 23, 2026Oct 25, 2026
LES
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
950 N 22nd St Ste C, Baton Rouge, LA 70802
1 year Share Certificate
$0
3.82% ▲ 0.37% above Louisiana avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.45%▲ 0.37% above avgNationally 2.99%
Details

Minimum $50,000 to earn Dividends Pd at Maturity; Dividend Rate; APY*; penalty may apply for early withdrawal

Rate History
No change since Oct 10, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 10, 2026: 3.82% APYOct 10, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
12 Month CDVantage CD
$200,000
3.80% ▲ 0.35% above Louisiana avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.45%▲ 0.35% above avgNationally 2.99%
Details

Interest Frequency: Monthly; Maturity Date: 07-14-2027; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
CDVantage CD - 12 Months
$200,000
3.80% ▲ 0.35% above Louisiana avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.45%▲ 0.35% above avgNationally 2.99%
Details

Interest Frequency: Monthly; Nationally sourced CD offering via CDVantage

Rate History
No change since Oct 21, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Oct 25, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
1 Year Mega Saver Share Certificate with One-time Bump
$100,000
3.80% ▲ 0.35% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.35% above avgNationally 2.99%
Details

Dividends credited monthly; Effective Date: 10/09/2026

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
2.80%3.55%4.30%Sep 14, 2026: 3.30% APYOct 13, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20263.80%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
LES
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
950 N 22nd St Ste C, Baton Rouge, LA 70802
1 year Education IRA
$0
3.77% ▲ 0.32% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.45%▲ 0.32% above avgNationally 2.99%
Details

Dividend Rate; APY*; penalty may apply for early withdrawal

Rate History
No change since Oct 10, 2026 · 3.77% APY · checked 3 times
3.27%3.77%4.27%Oct 10, 2026: 3.77% APYOct 10, 2026Oct 25, 2026
LES
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
950 N 22nd St Ste C, Baton Rouge, LA 70802
1 year IRA
$0
3.77% ▲ 0.32% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.45%▲ 0.32% above avgNationally 2.99%
Details

Dividend Rate; APY*; penalty may apply for early withdrawal

Rate History
No change since Oct 10, 2026 · 3.77% APY · checked 3 times
3.27%3.77%4.27%Oct 10, 2026: 3.77% APYOct 10, 2026Oct 25, 2026
LES
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
950 N 22nd St Ste C, Baton Rouge, LA 70802
1 year Roth IRA
$0
3.77% ▲ 0.32% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.45%▲ 0.32% above avgNationally 2.99%
Details

Dividend Rate; APY*; penalty may apply for early withdrawal

Rate History
No change since Oct 10, 2026 · 3.77% APY · checked 3 times
3.27%3.77%4.27%Oct 10, 2026: 3.77% APYOct 10, 2026Oct 25, 2026
LES
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
950 N 22nd St Ste C, Baton Rouge, LA 70802
1 year Share Certificate
$0
3.77% ▲ 0.32% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.45%▲ 0.32% above avgNationally 2.99%
Details

Minimum $500 to earn Dividends Pd at Maturity; Dividend Rate; APY*; penalty may apply for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.77% APY · checked 2 times
3.27%3.77%4.27%Oct 14, 2026: 3.77% APYOct 14, 2026Oct 25, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
Thrifty Saver Share Certificate - 1 Year
$1,500
3.75% ▲ 0.30% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.30% above avgNationally 2.99%
Details

Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 14, 2026: 3.25% APYOct 23, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.75%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
BRECO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
12 Month Term Share Certificate
$0
3.75% ▲ 0.30% above Louisiana avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.30% above avgNationally 2.99%
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.

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Oct 25, 2026
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
704 Mayflower St, Baton Rouge, LA 70802 6423
1 Year Share Certificate
$0
3.75% ▲ 0.30% above Louisiana avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.45%▲ 0.30% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
704 Mayflower St, Baton Rouge, LA 70802 6423
IRA Certificate (Traditional or Roth) - 1 Year
$0
3.75% ▲ 0.30% above Louisiana avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.45%▲ 0.30% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 25, 2026
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
11280 Coursey Blvd, Baton Rouge, LA 70816
12 Month Certificate
$1,000
3.70% ▲ 0.25% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.45%▲ 0.25% above avgNationally 2.99%
Details

APY accurate as of 10/1/2026; CDs opened online have a maximum deposit limit of $500,000

Rate History
1 change since Sep 11, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Sep 11, 2026: 3.60% APYOct 3, 2026: 3.70% APYSep 11, 2026Oct 25, 2026
  • Oct 3, 20263.70%▲ from 3.60%
  • Sep 11, 20263.60%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
12 Month CDVantage CD
$100,000
3.70% ▲ 0.25% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.45%▲ 0.25% above avgNationally 2.99%
Details

Interest Frequency: Monthly; Maturity Date: 07-14-2027; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 25, 2026
First American Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
5412 Jones Creek Rd, Baton Rouge, LA 70817
12 Month CD
$1,000
3.65% ▲ 0.20% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.45%▲ 0.20% above avgNationally 2.99%
Details

Certificates of Deposit; Interest rates set weekly; Annual Percentage Yields (APYs) are variable and effective as of 4/28/2026

Rate History
No change since Sep 8, 2026 · 3.65% APY · checked 11 times
3.15%3.65%4.15%Sep 8, 2026: 3.65% APYSep 8, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
12 Month CDVantage CD
$200,000
3.65% ▲ 0.20% above Louisiana avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.45%▲ 0.20% above avgNationally 2.99%
Details

Interest Frequency: Monthly; Maturity Date: 07-14-2027; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 21, 2026: 3.65% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
12 Month CDVantage CD
$200,000
3.60% ▲ 0.15% above Louisiana avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.45%▲ 0.15% above avgNationally 2.99%
Details

Interest Frequency: Monthly; Maturity Date: 07-14-2027; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 21, 2026: 3.60% APYOct 21, 2026Oct 25, 2026
SOUTHERN TEACHERS and PARENTS
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
728 Harding Blvd, Baton Rouge, LA 70807
Share Term Certificate - 12 months
$0
3.60% ▲ 0.15% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.45%▲ 0.15% above avgNationally 2.99%
Details

Rates effective as of 12/17/2025

Rate History
No change since Oct 22, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 22, 2026: 3.60% APYOct 22, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
12 Month CDVantage CD
$100,000
3.55% ▲ 0.10% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.45%▲ 0.10% above avgNationally 2.99%
Details

Interest Frequency: Monthly; Maturity Date: 07-14-2027; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 21, 2026: 3.55% APYOct 21, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Certificate - 12 months
$0
3.55% ▲ 0.10% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▲ 0.10% above avgNationally 2.99%
Details

Dividends credited quarterly

Rate History
2 changes since Sep 20, 2026 · 3.55% → 3.55% ▼ 0.00 pts · high 3.83% / low 3.55%
3.05%3.69%4.33%Sep 20, 2026: 3.55% APYOct 4, 2026: 3.83% APYOct 23, 2026: 3.55% APYSep 20, 2026Oct 25, 2026
  • Oct 23, 20263.55%▼ from 3.83%
  • Oct 4, 20263.83%▲ from 3.55%
  • Sep 20, 20263.55%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3700 Essen Ln, Baton Rouge, LA 70809
CD - 12 Month
$0
3.51% ▲ 0.06% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.45%▲ 0.06% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 7 times
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 18, 2026Oct 25, 2026
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
6725 Siegen Ln, Baton Rouge, LA 70809
12-month Certificate
$500
3.50% ▲ 0.05% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.45%▲ 0.05% above avgNationally 2.99%
Details

Featured Certificate Rate

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 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 (12 mo)
$1,000
3.44% ▼ 0.01% below Louisiana avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.45%▼ 0.01% below avgNationally 2.99%
Details

Compound: Quarterly

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 25, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
Certificates of Deposits - 12 Month
$1,000
3.29% ▼ 0.16% below Louisiana avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.45%▼ 0.16% below avgNationally 2.99%
Details

Compound: Quarterly

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 25, 2026
Formation Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
10289 Airline Hwy, Baton Rouge, LA 70816
1 Year IRA Certificate
$0
3.25% ▼ 0.20% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.45%▼ 0.20% below avgNationally 2.99%
Details

Compound method: 5

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 25, 2026

Baton Rouge 18 Month CD Rates

Louisiana 18 Month CD Average3.47% APYNational 2.88%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Resource Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
9513 Jefferson Hwy, Baton Rouge, LA 70809
18-Month Online CD
$1,000
4.15% ▲ 0.68% above Louisiana avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.47%▲ 0.68% above avgNationally 2.88%
Details

One step-up allowed

Rate History
No change since Oct 22, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
18 Month CDVantage CD
$100,000
4.15% ▲ 0.68% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.47%▲ 0.68% above avgNationally 2.88%
Details

Interest Frequency: Monthly; Maturity Date: 01-24-2028; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
18 Month CDVantage CD
$100,000
4.10% ▲ 0.63% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.47%▲ 0.63% above avgNationally 2.88%
Details

Interest Frequency: Semi-annual; Maturity Date: 01-24-2028; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 21, 2026: 4.10% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
18 Month CDVantage CD
$100,000
4.05% ▲ 0.58% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.47%▲ 0.58% above avgNationally 2.88%
Details

Interest Frequency: Semi-annual; Maturity Date: 01-24-2028; Earliest Settlement Date: 07-23-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 21, 2026: 4.05% APYOct 21, 2026Oct 25, 2026
First American Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
5412 Jones Creek Rd, Baton Rouge, LA 70817
18 Month CD
$1,000
4.02% ▲ 0.55% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.47%▲ 0.55% above avgNationally 2.88%
Details

Certificates of Deposit; Interest rates set weekly; Annual Percentage Yields (APYs) are variable and effective as of 4/28/2026

Rate History
No change since Sep 24, 2026 · 4.02% APY · checked 9 times
3.52%4.02%4.52%Sep 24, 2026: 4.02% APYSep 24, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
18 Month Jumbo IRA Certificates
$0
3.85% ▲ 0.38% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 20, 2026: 3.85% APYSep 20, 2026Oct 25, 2026
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% ▲ 0.33% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.47%▲ 0.33% above avgNationally 2.88%
Details

Compound: Quarterly; Interest rate may change after the account is opened

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
18 Month CDVantage CD
$100,000
3.80% ▲ 0.33% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.47%▲ 0.33% above avgNationally 2.88%
Details

Interest Frequency: Monthly; Maturity Date: 01-14-2028; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
18 Month Certificate of Deposit
$2,500
3.75% ▲ 0.28% above Louisiana avg
View
▼
Rate3.70%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.47%▲ 0.28% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYSep 24, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
Business Certificates of Deposit - 18 Months
$2,500
3.75% ▲ 0.28% above Louisiana avg
View
▼
Rate3.70%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.47%▲ 0.28% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYSep 24, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
Certificates of Deposit - 18 Months
$2,500
3.75% ▲ 0.28% above Louisiana avg
View
▼
Rate3.70%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.47%▲ 0.28% above avgNationally 2.88%
Details

Minimum to obtain APY: $2,500; APY = Annual Percentage Yield; rates may change at any time without prior notice; interest rate fixed for the term; early withdrawal penalty applies

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYSep 24, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
IRA 18 Months
$500
3.75% ▲ 0.28% above Louisiana avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.47%▲ 0.28% above avgNationally 2.88%
Details

Rate History
No change since Oct 21, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 21, 2026: 3.75% APYOct 21, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
18 Month IRA Certificates
$0
3.75% ▲ 0.28% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.28% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
18 Month Jumbo Certificates
$0
3.75% ▲ 0.28% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.28% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
18 Month CDVantage CD
$100,000
3.70% ▲ 0.23% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.47%▲ 0.23% above avgNationally 2.88%
Details

Interest Frequency: Monthly; Maturity Date: 01-14-2028; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
18 Month CDVantage CD
$200,000
3.65% ▲ 0.18% above Louisiana avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.47%▲ 0.18% above avgNationally 2.88%
Details

Interest Frequency: Monthly; Maturity Date: 01-14-2028; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 21, 2026: 3.65% APYOct 21, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
18 Month Share Certificates
$0
3.65% ▲ 0.18% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.18% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 20, 2026: 3.65% APYSep 20, 2026Oct 25, 2026
BRECO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
18 Month Term Share Certificate
$0
3.65% ▲ 0.18% above Louisiana avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.18% above avgNationally 2.88%
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.

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Oct 25, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
18 Month Share Certificate
$0
3.64% ▲ 0.17% above Louisiana avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.17% above avgNationally 2.88%
Details

# of days: 547 - 729; Minimum balance $1500.00

Rate History
No change since Oct 15, 2026 · 3.64% APY · checked 2 times
3.14%3.64%4.14%Oct 15, 2026: 3.64% APYOct 15, 2026Oct 25, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA 18 Month Certificate
$0
3.64% ▲ 0.17% above Louisiana avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.17% above avgNationally 2.88%
Details

Days: 547 - 729; Minimum balance $1500.00; Dividends compounded and posted monthly

Rate History
No change since Oct 23, 2026 · 3.64% APY
3.14%3.64%4.14%Oct 23, 2026: 3.64% APYOct 23, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
3110 College Dr, Baton Rouge, LA 70808
18 Month 360 CD
$0
3.60% ▲ 0.13% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.47%▲ 0.13% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
18 Month CDVantage CD
$100,000
3.50% ▲ 0.03% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.47%▲ 0.03% above avgNationally 2.88%
Details

Interest Frequency: Monthly; Maturity Date: 01-14-2028; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 21, 2026: 3.50% APYOct 21, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
18 Month Certificate Account
$0
3.50% ▲ 0.03% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.03% above avgNationally 2.88%
Details

Dividends credited quarterly

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
18 Month Jumbo Certificate Accounts
$0
3.50% ▲ 0.03% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.03% above avgNationally 2.88%
Details

Dividends credited quarterly

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Certificate Account - 18 months
$0
3.50% ▲ 0.03% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.03% above avgNationally 2.88%
Details

Dividends credited quarterly

Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Certificate Accounts - 18 months
$0
3.50% ▲ 0.03% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.03% above avgNationally 2.88%
Details

Dividends credited quarterly

Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Jumbo Certificate - 18 months
$0
3.50% ▲ 0.03% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.03% above avgNationally 2.88%
Details

Dividends credited quarterly

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 25, 2026
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
6725 Siegen Ln, Baton Rouge, LA 70809
18-month Certificate
$500
3.50% ▲ 0.03% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.47%▲ 0.03% above avgNationally 2.88%
Details

Featured Certificate Rate

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3700 Essen Ln, Baton Rouge, LA 70809
CD - 18 Month
$0
3.46% ▼ 0.01% below Louisiana avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.47%▼ 0.01% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.46% APY · checked 7 times
2.96%3.46%3.96%Sep 18, 2026: 3.46% APYSep 18, 2026Oct 25, 2026
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% ▼ 0.06% below Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.47%▼ 0.06% below avgNationally 2.88%
Details

APY accurate as of 10/1/2026; CDs opened online have a maximum deposit limit of $500,000

Rate History
No change since Sep 11, 2026 · 3.41% APY · checked 8 times
2.91%3.41%3.91%Sep 11, 2026: 3.41% APYSep 11, 2026Oct 25, 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 (18 mo)
$1,000
3.29% ▼ 0.18% below Louisiana avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.47%▼ 0.18% below avgNationally 2.88%
Details

Compound: Quarterly

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 25, 2026
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% ▼ 0.18% below Louisiana avg
View
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.47%▼ 0.18% below avgNationally 2.88%
Details

Compound: Quarterly; Interest rate may change after the account is opened

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 25, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1201 Capitol Access Rd, Baton Rouge, LA 70802 4438
18 Month Jumbo Share & IRA Certificates
$0
3.25% ▼ 0.22% below Louisiana avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▼ 0.22% below avgNationally 2.88%
Details

IRS early withdrawal penalties may apply on IRA withdrawals

Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 25, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1201 Capitol Access Rd, Baton Rouge, LA 70802 4438
Share & IRA Certificate Accounts - 18 Month
$0
3.25% ▼ 0.22% below Louisiana avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▼ 0.22% below avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 25, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
IRA 18 Month
$0
3.03% ▼ 0.44% below Louisiana avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.47%▼ 0.44% below avgNationally 2.88%
Details

Individual Retirement Accounts; Minimum balance to open account/obtain stated APY: $1,000.00 for all IRAs; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Oct 20, 2026: 3.03% APYOct 20, 2026Oct 25, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
Personal or Business Certificate of Deposit Products - 18 Months
$0
3.03% ▼ 0.44% below Louisiana avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.47%▼ 0.44% below avgNationally 2.88%
Details

Minimum balance to open account/obtain stated APY: $1,000.00; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 14, 2026: 3.03% APYOct 14, 2026Oct 25, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
Certificates of Deposits - 18 Month
$1,000
3.03% ▼ 0.44% below Louisiana avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.47%▼ 0.44% below avgNationally 2.88%
Details

Compound: Quarterly

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 7 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 25, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
18-Month Regular Certificate or IRA Certificate
$10,000
4.45% ▲ 0.98% above Louisiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.98% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Oct 8, 2026: 4.45% APYOct 8, 2026Oct 25, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$0
4.35% ▲ 0.88% above Louisiana avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.88% above avgNationally 2.88%
Details

Rate History
No change since Oct 23, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 18 Months
$500
4.33% ▲ 0.86% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.86% above avgNationally 2.88%
Details

Dividends Credited/Compounded: Monthly

Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 15, 2026: 4.33% APYOct 15, 2026Oct 25, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25% ▲ 0.78% above Louisiana avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.78% above avgNationally 2.88%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 25, 2026
  • Oct 13, 20264.25%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15% ▲ 0.68% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.47%▲ 0.68% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10% ▲ 0.63% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.47%▲ 0.63% above avgNationally 2.88%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18-Month IRA
$2,000
4.07% ▲ 0.60% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.60% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Share & IRA Certificate - 18-Month Certificate
$1,000
4.05% ▲ 0.58% above Louisiana avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.58% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 12, 2026: 4.05% APYOct 12, 2026Oct 25, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular Certificates - 18-month
$0
3.90% ▲ 0.43% above Louisiana avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.47%▲ 0.43% above avgNationally 2.88%
Details

Rates accurate as of 10/18/2026; early withdrawal penalties apply

Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 25, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 18 months
$0
3.85% ▲ 0.38% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.47%▲ 0.38% above avgNationally 2.88%
Details

Accurate as of 09/30/2026

Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 2, 2026: 3.85% APYOct 2, 2026Oct 25, 2026
CENTRIC
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
Regular Certificate - 18 Months
$0
3.85% ▲ 0.38% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.47%▲ 0.38% above avgNationally 2.88%
Details

Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
2.65%3.55%4.45%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.85%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
18 Month Share Certificates
$0
3.80% ▲ 0.33% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.33% above avgNationally 2.88%
Details

% As High As; APY*

Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 25, 2026
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Share Certificate - 18 months
$0
3.80% ▲ 0.33% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.47%▲ 0.33% above avgNationally 2.88%
Details

As High As

Rate History
No change since Oct 23, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 23, 2026: 3.80% APYOct 23, 2026Oct 25, 2026

Baton Rouge 24 Month CD Rates

Louisiana 24 Month CD Average3.25% APYNational 2.90%▼ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Super Saver Share Certificate
$100,000
4.35% ▲ 1.10% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 1.10% above avgNationally 2.90%
Details

APY with La Cap Checking; Dividends Credited: Monthly; Effective Date: 10/09/2026

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.35% ▲ 0.90 pts · high 4.35% / low 3.45%
2.55%3.90%5.25%Sep 14, 2026: 3.45% APYOct 13, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.35%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.30% ▲ 1.05% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 1.05% above avgNationally 2.90%
Details

Requires La Cap Checking account; Dividends credited monthly; Effective Date: 10/09/2026

Rate History
2 changes since Sep 14, 2026 · 3.40% → 4.30% ▲ 0.90 pts · high 4.30% / low 3.40%
2.50%3.85%5.20%Sep 14, 2026: 3.40% APYOct 13, 2026: 3.90% APYOct 15, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.30%▲ from 3.90%
  • Oct 13, 20263.90%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
445 North Blvd, Baton Rouge, LA 70802
Certificate of Deposit - 24 Month CD
$0
4.25% ▲ 1.00% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.25%▲ 1.00% above avgNationally 2.90%
Details

Featured 24-month CD rate; guaranteed rate of return

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
24 Month Certificate Account
$0
4.25% ▲ 1.00% above Louisiana avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 1.00% above avgNationally 2.90%
Details

Dividends credited quarterly

Rate History
1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 20, 2026: 3.50% APYOct 4, 2026: 4.25% APYSep 20, 2026Oct 25, 2026
  • Oct 4, 20264.25%▲ from 3.50%
  • Sep 20, 20263.50%first recorded
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
24 Month Jumbo Certificate Accounts
$0
4.25% ▲ 1.00% above Louisiana avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 1.00% above avgNationally 2.90%
Details

Dividends credited quarterly

Rate History
1 change since Sep 20, 2026 · 3.40% → 4.25% ▲ 0.85 pts · high 4.25% / low 3.40%
2.55%3.82%5.10%Sep 20, 2026: 3.40% APYOct 4, 2026: 4.25% APYSep 20, 2026Oct 25, 2026
  • Oct 4, 20264.25%▲ from 3.40%
  • Sep 20, 20263.40%first recorded
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Certificate Account - 24 months
$0
4.25% ▲ 1.00% above Louisiana avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 1.00% above avgNationally 2.90%
Details

Dividends credited quarterly

Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 15, 2026: 4.25% APYOct 15, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Certificate Accounts - 24 months
$0
4.25% ▲ 1.00% above Louisiana avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 1.00% above avgNationally 2.90%
Details

Dividends credited quarterly

Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 15, 2026: 4.25% APYOct 15, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Jumbo Certificate - 24 months
$0
4.25% ▲ 1.00% above Louisiana avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 1.00% above avgNationally 2.90%
Details

Dividends credited quarterly

Rate History
1 change since Sep 20, 2026 · 3.40% → 4.25% ▲ 0.85 pts · high 4.25% / low 3.40%
2.55%3.82%5.10%Sep 20, 2026: 3.40% APYOct 4, 2026: 4.25% APYSep 20, 2026Oct 25, 2026
  • Oct 4, 20264.25%▲ from 3.40%
  • Sep 20, 20263.40%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
24 Month CDVantage CD
$100,000
4.20% ▲ 0.95% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.25%▲ 0.95% above avgNationally 2.90%
Details

Interest Frequency: Monthly; Maturity Date: 07-24-2028; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 21, 2026: 4.20% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
CDVantage CD - 24 Months
$100,000
4.20% ▲ 0.95% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.25%▲ 0.95% above avgNationally 2.90%
Details

Interest Frequency: Monthly; Nationally sourced CD offering via CDVantage

Rate History
No change since Oct 21, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 21, 2026: 4.20% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
24 Month CDVantage CD
$100,000
4.15% ▲ 0.90% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.25%▲ 0.90% above avgNationally 2.90%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-21-2028; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
24 Month CDVantage CD
$100,000
4.10% ▲ 0.85% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.25%▲ 0.85% above avgNationally 2.90%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-24-2028; Earliest Settlement Date: 07-23-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 21, 2026: 4.10% APYOct 21, 2026Oct 25, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
2-Year Certificate
$500
4.10% ▲ 0.85% above Louisiana avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 0.85% above avgNationally 2.90%
Details

Rate History
1 change since Sep 25, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 25, 2026: 4.05% APYOct 4, 2026: 4.10% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.10%▲ from 4.05%
  • Sep 25, 20264.05%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
2 Year IRA Certificate Account
$20,000
4.05% ▲ 0.80% above Louisiana avg
View
▼
RateN/A
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 0.80% above avgNationally 2.90%
Details

Dividends credited Monthly

Rate History
No change since Oct 15, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 15, 2026: 4.05% APYOct 15, 2026Oct 25, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
2 Year IRA Certificate Account
$650
3.95% ▲ 0.70% above Louisiana avg
View
▼
RateN/A
Min Deposit$650
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 0.70% above avgNationally 2.90%
Details

Dividends credited Monthly

Rate History
No change since Oct 15, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 15, 2026: 3.95% APYOct 15, 2026Oct 25, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Super Saver Share Certificate
$100,000
3.95% ▲ 0.70% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 0.70% above avgNationally 2.90%
Details

Dividends Credited: Monthly; Effective Date: 10/09/2026

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
2.95%3.70%4.45%Sep 14, 2026: 3.45% APYOct 13, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20263.95%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
24 Month CDVantage CD
$100,000
3.90% ▲ 0.65% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.25%▲ 0.65% above avgNationally 2.90%
Details

Interest Frequency: Monthly; Maturity Date: 07-14-2028; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 21, 2026: 3.90% APYOct 21, 2026Oct 25, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
2 Year Mega Saver Share Certificate with One-time Bump
$100,000
3.90% ▲ 0.65% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 0.65% above avgNationally 2.90%
Details

Dividends credited monthly; Effective Date: 10/09/2026

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
2.90%3.65%4.40%Sep 14, 2026: 3.40% APYOct 13, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20263.90%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
24 Month Jumbo IRA Certificates
$0
3.85% ▲ 0.60% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 0.60% above avgNationally 2.90%
Details

Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 20, 2026: 3.85% APYSep 20, 2026Oct 25, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
Thrifty Saver Share Certificate - 2 Years
$1,000
3.85% ▲ 0.60% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 0.60% above avgNationally 2.90%
Details

Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.85% ▲ 0.50 pts · high 3.85% / low 3.35%
2.85%3.60%4.35%Sep 14, 2026: 3.35% APYOct 23, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.85%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
24 Month CDVantage CD
$100,000
3.75% ▲ 0.50% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.25%▲ 0.50% above avgNationally 2.90%
Details

Interest Frequency: Monthly; Maturity Date: 07-14-2028; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 21, 2026: 3.75% APYOct 21, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
24 Month IRA Certificates
$0
3.75% ▲ 0.50% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 0.50% above avgNationally 2.90%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
24 Month Jumbo Certificates
$0
3.75% ▲ 0.50% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 0.50% above avgNationally 2.90%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 25, 2026
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
2 Year IRA Certificate
$0
3.75% ▲ 0.50% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.25%▲ 0.50% above avgNationally 2.90%
Details

Individual Retirement Accounts (IRA)

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYSep 17, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Sep 17, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
2 Year Share Certificates
$0
3.75% ▲ 0.50% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.25%▲ 0.50% above avgNationally 2.90%
Details

Minimum Balance: $1,000 and up; Step-Up Option listed for this table

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2271 College Dr, Baton Rouge, LA 70808 1839
24 Month Share Certificate
$0
3.67% ▲ 0.42% above Louisiana avg
View
▼
Rate3.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.25%▲ 0.42% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.67% APY · checked 6 times
3.17%3.67%4.17%Sep 14, 2026: 3.67% APYSep 14, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
2 Year Certificate of Deposit
$2,500
3.65% ▲ 0.40% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.25%▲ 0.40% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
Business Certificates of Deposit - 2 Years
$2,500
3.65% ▲ 0.40% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.25%▲ 0.40% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
Certificates of Deposit - 2 Years
$2,500
3.65% ▲ 0.40% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.25%▲ 0.40% above avgNationally 2.90%
Details

Minimum to obtain APY: $2,500; APY = Annual Percentage Yield; rates may change at any time without prior notice; interest rate fixed for the term; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
IRA 2 Years
$500
3.65% ▲ 0.40% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.25%▲ 0.40% above avgNationally 2.90%
Details

Rate History
No change since Oct 21, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 21, 2026: 3.65% APYOct 21, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
24 Month Share Certificates
$0
3.65% ▲ 0.40% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 0.40% above avgNationally 2.90%
Details

Rate History
No change since Sep 20, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 20, 2026: 3.65% APYSep 20, 2026Oct 25, 2026
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
704 Mayflower St, Baton Rouge, LA 70802 6423
2 Year Share Certificate
$0
3.65% ▲ 0.40% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.25%▲ 0.40% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45%
2.95%3.55%4.15%Sep 14, 2026: 3.45% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.65%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
704 Mayflower St, Baton Rouge, LA 70802 6423
IRA Certificate (Traditional or Roth) - 2 Years
$0
3.65% ▲ 0.40% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.25%▲ 0.40% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 25, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
24 Month Share Certificate
$0
3.61% ▲ 0.36% above Louisiana avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 0.36% above avgNationally 2.90%
Details

# of days: 730 - 911; Minimum balance $1500.00

Rate History
No change since Oct 15, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 15, 2026: 3.61% APYOct 15, 2026Oct 25, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA 24 Month Certificate
$0
3.61% ▲ 0.36% above Louisiana avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 0.36% above avgNationally 2.90%
Details

Days: 730 - 911; Minimum balance $1500.00; Dividends compounded and posted monthly

Rate History
No change since Oct 23, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 23, 2026: 3.61% APYOct 23, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
3110 College Dr, Baton Rouge, LA 70808
24 Month 360 CD
$0
3.50% ▲ 0.25% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.25%▲ 0.25% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.50%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Certificate - 24 months
$0
3.50% ▲ 0.25% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 0.25% above avgNationally 2.90%
Details

Dividends credited quarterly

Rate History
2 changes since Sep 20, 2026 · 3.50% → 3.50% ▼ 0.00 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 20, 2026: 3.50% APYOct 4, 2026: 4.25% APYOct 23, 2026: 3.50% APYSep 20, 2026Oct 25, 2026
  • Oct 23, 20263.50%▼ from 4.25%
  • Oct 4, 20264.25%▲ from 3.50%
  • Sep 20, 20263.50%first recorded
BRECO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
24 Month Term Share Certificate
$0
3.50% ▲ 0.25% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▲ 0.25% above avgNationally 2.90%
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.

Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Oct 25, 2026
SOUTHERN TEACHERS and PARENTS
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
728 Harding Blvd, Baton Rouge, LA 70807
Share Term Certificate - 24 months
$0
3.50% ▲ 0.25% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.25%▲ 0.25% above avgNationally 2.90%
Details

Rates effective as of 12/17/2025

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 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 (24 mo)
$1,000
3.44% ▲ 0.19% above Louisiana avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.25%▲ 0.19% above avgNationally 2.90%
Details

Compound: Quarterly

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 25, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3700 Essen Ln, Baton Rouge, LA 70809
CD - 24 Month
$0
3.41% ▲ 0.16% above Louisiana avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.25%▲ 0.16% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 7 times
2.91%3.41%3.91%Sep 18, 2026: 3.41% APYSep 18, 2026Oct 25, 2026
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% At Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.25%At the averageNationally 2.90%
Details

APY accurate as of 10/1/2026; CDs opened online have a maximum deposit limit of $500,000

Rate History
No change since Sep 11, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 11, 2026: 3.25% APYSep 11, 2026Oct 25, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
Certificates of Deposits - 24 Month
$1,000
3.03% ▼ 0.22% below Louisiana avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.25%▼ 0.22% below avgNationally 2.90%
Details

Compound: Quarterly

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 7 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 25, 2026
Formation Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
10289 Airline Hwy, Baton Rouge, LA 70816
2 Year IRA Certificate
$0
3.00% ▼ 0.25% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▼ 0.25% below avgNationally 2.90%
Details

Compound method: 5

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 25, 2026
Formation Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
10289 Airline Hwy, Baton Rouge, LA 70816
2 Year Share Certificate
$0
3.00% ▼ 0.25% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.25%▼ 0.25% below avgNationally 2.90%
Details

Compound method: 4

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 25, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
IRA 24 Month
$0
2.52% ▼ 0.73% below Louisiana avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.25%▼ 0.73% below avgNationally 2.90%
Details

Individual Retirement Accounts; Minimum balance to open account/obtain stated APY: $1,000.00 for all IRAs; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 20, 2026: 2.52% APYOct 20, 2026Oct 25, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
Personal or Business Certificate of Deposit Products - 24 Months
$0
2.52% ▼ 0.73% below Louisiana avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.25%▼ 0.73% below avgNationally 2.90%
Details

Minimum balance to open account/obtain stated APY: $1,000.00; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 2.52% APY · checked 3 times
2.02%2.52%3.02%Oct 14, 2026: 2.52% APYOct 14, 2026Oct 25, 2026
Resource Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
9513 Jefferson Hwy, Baton Rouge, LA 70809
24-Month Online CD
$1,000
2.35% ▼ 0.90% below Louisiana avg
View
▼
Rate2.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.25%▼ 0.90% below avgNationally 2.90%
Details

One step-up allowed

Rate History
No change since Oct 22, 2026 · 2.35% APY
1.85%2.35%2.85%Oct 22, 2026: 2.35% APYOct 22, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
2 Year Certificate of Deposit
$500
2.25% ▼ 1.00% below Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.25%▼ 1.00% below avgNationally 2.90%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
2 Year IRA Certificate of Deposit
$500
2.25% ▼ 1.00% below Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.25%▼ 1.00% below avgNationally 2.90%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 27, 2026: 2.25% APYSep 27, 2026Oct 25, 2026

Baton Rouge 36 Month CD Rates

Louisiana 36 Month CD Average3.14% APYNational 2.81%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
3 Year Super Saver Share Certificate
$100,000
4.45% ▲ 1.31% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 1.31% above avgNationally 2.81%
Details

APY with La Cap Checking; Dividends Credited: Monthly; Effective Date: 10/09/2026

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.45% ▲ 0.90 pts · high 4.45% / low 3.55%
2.65%4.00%5.35%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.45%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
3 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.40% ▲ 1.26% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 1.26% above avgNationally 2.81%
Details

Requires La Cap Checking account; Dividends credited monthly; Effective Date: 10/09/2026

Rate History
2 changes since Sep 14, 2026 · 3.50% → 4.40% ▲ 0.90 pts · high 4.40% / low 3.50%
2.60%3.95%5.30%Sep 14, 2026: 3.50% APYOct 13, 2026: 4.00% APYOct 15, 2026: 4.40% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.40%▲ from 4.00%
  • Oct 13, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
36 Month CDVantage CD
$100,000
4.25% ▲ 1.11% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.14%▲ 1.11% above avgNationally 2.81%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-23-2029; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
CDVantage CD - 36 Months
$100,000
4.25% ▲ 1.11% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.14%▲ 1.11% above avgNationally 2.81%
Details

Interest Frequency: Semi; Nationally sourced CD offering via CDVantage

Rate History
No change since Oct 21, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
36 Month CDVantage CD
$100,000
4.20% ▲ 1.06% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.14%▲ 1.06% above avgNationally 2.81%
Details

Interest Frequency: Monthly; Maturity Date: 07-23-2029; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 21, 2026: 4.20% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
36 Month CDVantage CD
$100,000
4.15% ▲ 1.01% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.14%▲ 1.01% above avgNationally 2.81%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-23-2029; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 25, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
3-Year Certificate
$500
4.15% ▲ 1.01% above Louisiana avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 1.01% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10%
3.60%4.13%4.65%Sep 25, 2026: 4.10% APYOct 4, 2026: 4.15% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.15%▲ from 4.10%
  • Sep 25, 20264.10%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
36 Month CDVantage CD
$100,000
4.10% ▲ 0.96% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.14%▲ 0.96% above avgNationally 2.81%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-23-2029; Earliest Settlement Date: 07-21-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 21, 2026: 4.10% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
36 Month CDVantage CD
$100,000
4.05% ▲ 0.91% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.14%▲ 0.91% above avgNationally 2.81%
Details

Interest Frequency: Monthly; Maturity Date: 07-24-2029; Earliest Settlement Date: 07-24-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 21, 2026: 4.05% APYOct 21, 2026Oct 25, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
3 Year Super Saver Share Certificate
$100,000
4.05% ▲ 0.91% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 0.91% above avgNationally 2.81%
Details

Dividends Credited: Monthly; Effective Date: 10/09/2026

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.05%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
36 Month CDVantage CD
$100,000
4.00% ▲ 0.86% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.14%▲ 0.86% above avgNationally 2.81%
Details

Interest Frequency: Monthly; Maturity Date: 07-14-2029; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 21, 2026: 4.00% APYOct 21, 2026Oct 25, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
3 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.00% ▲ 0.86% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 0.86% above avgNationally 2.81%
Details

Dividends credited monthly; Effective Date: 10/09/2026

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 13, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
Thrifty Saver Share Certificate - 3 Years
$500
3.95% ▲ 0.81% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 0.81% above avgNationally 2.81%
Details

Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
2.95%3.70%4.45%Sep 14, 2026: 3.45% APYOct 23, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.95%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
36 Month Jumbo IRA Certificates
$0
3.90% ▲ 0.76% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 0.76% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 20, 2026: 3.90% APYSep 20, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
36 Month CDVantage CD
$100,000
3.80% ▲ 0.66% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.14%▲ 0.66% above avgNationally 2.81%
Details

Interest Frequency: Monthly; Maturity Date: 07-14-2029; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
36 Month IRA Certificates
$0
3.80% ▲ 0.66% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 0.66% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
36 Month Jumbo Certificates
$0
3.80% ▲ 0.66% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 0.66% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
3 Year Certificate of Deposit
$2,500
3.70% ▲ 0.56% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.14%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
Business Certificates of Deposit - 3 Years
$2,500
3.70% ▲ 0.56% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.14%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
Certificates of Deposit - 3 Years
$2,500
3.70% ▲ 0.56% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.14%▲ 0.56% above avgNationally 2.81%
Details

Minimum to obtain APY: $2,500; APY = Annual Percentage Yield; rates may change at any time without prior notice; interest rate fixed for the term; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
IRA 3 Years
$500
3.70% ▲ 0.56% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.14%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Oct 21, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
36 Month Share Certificates
$0
3.70% ▲ 0.56% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 20, 2026: 3.70% APYSep 20, 2026Oct 25, 2026
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
3 Year IRA Certificate
$0
3.70% ▲ 0.56% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.14%▲ 0.56% above avgNationally 2.81%
Details

Individual Retirement Accounts (IRA)

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Sep 14, 2026: 3.60% APYSep 17, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
  • Sep 17, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
3 Year Share Certificates
$0
3.70% ▲ 0.56% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.14%▲ 0.56% above avgNationally 2.81%
Details

Minimum Balance: $1,000 and up; Step-Up Option listed for this table

Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 25, 2026
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2271 College Dr, Baton Rouge, LA 70808 1839
36 Month Share Certificate
$0
3.67% ▲ 0.53% above Louisiana avg
View
▼
Rate3.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.14%▲ 0.53% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.67% APY · checked 6 times
3.17%3.67%4.17%Sep 14, 2026: 3.67% APYSep 14, 2026Oct 25, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
36 Month Share Certificate
$0
3.57% ▲ 0.43% above Louisiana avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 0.43% above avgNationally 2.81%
Details

# of days: 1,095 - 1,459; Minimum balance $1500.00

Rate History
No change since Oct 15, 2026 · 3.57% APY · checked 2 times
3.07%3.57%4.07%Oct 15, 2026: 3.57% APYOct 15, 2026Oct 25, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA 36 Month Certificate
$0
3.57% ▲ 0.43% above Louisiana avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 0.43% above avgNationally 2.81%
Details

Days: 1,095 - 1,459; Minimum balance $1500.00; Dividends compounded and posted monthly

Rate History
No change since Oct 23, 2026 · 3.57% APY
3.07%3.57%4.07%Oct 23, 2026: 3.57% APYOct 23, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
36 Month Certificate Account
$0
3.55% ▲ 0.41% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 0.41% above avgNationally 2.81%
Details

Dividends credited quarterly

Rate History
1 change since Sep 20, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Sep 20, 2026: 3.30% APYOct 4, 2026: 3.55% APYSep 20, 2026Oct 25, 2026
  • Oct 4, 20263.55%▲ from 3.30%
  • Sep 20, 20263.30%first recorded
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
36 Month Jumbo Certificate Accounts
$0
3.55% ▲ 0.41% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 0.41% above avgNationally 2.81%
Details

Dividends credited quarterly

Rate History
1 change since Sep 20, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Sep 20, 2026: 3.30% APYOct 4, 2026: 3.55% APYSep 20, 2026Oct 25, 2026
  • Oct 4, 20263.55%▲ from 3.30%
  • Sep 20, 20263.30%first recorded
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Certificate Account - 36 months
$0
3.55% ▲ 0.41% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 0.41% above avgNationally 2.81%
Details

Dividends credited quarterly

Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Certificate Accounts - 36 months
$0
3.55% ▲ 0.41% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 0.41% above avgNationally 2.81%
Details

Dividends credited quarterly

Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Jumbo Certificate - 36 months
$0
3.55% ▲ 0.41% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 0.41% above avgNationally 2.81%
Details

Dividends credited quarterly

Rate History
1 change since Sep 20, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Sep 20, 2026: 3.30% APYOct 4, 2026: 3.55% APYSep 20, 2026Oct 25, 2026
  • Oct 4, 20263.55%▲ from 3.30%
  • Sep 20, 20263.30%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
3110 College Dr, Baton Rouge, LA 70808
36 Month 360 CD
$0
3.50% ▲ 0.36% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.50%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
704 Mayflower St, Baton Rouge, LA 70802 6423
3 Year Share Certificate
$0
3.50% ▲ 0.36% above Louisiana avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
2.85%3.43%4.00%Sep 14, 2026: 3.35% APYOct 9, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.50%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
704 Mayflower St, Baton Rouge, LA 70802 6423
IRA Certificate (Traditional or Roth) - 3 Years
$0
3.50% ▲ 0.36% above Louisiana avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 25, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3700 Essen Ln, Baton Rouge, LA 70809
CD - 36 Month
$0
3.41% ▲ 0.27% above Louisiana avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.14%▲ 0.27% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 7 times
2.91%3.41%3.91%Sep 18, 2026: 3.41% APYSep 18, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Certificate - 36 months
$0
3.30% ▲ 0.16% above Louisiana avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▲ 0.16% above avgNationally 2.81%
Details

Dividends credited quarterly

Rate History
2 changes since Sep 20, 2026 · 3.30% → 3.30% ▼ 0.00 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Sep 20, 2026: 3.30% APYOct 4, 2026: 3.55% APYOct 23, 2026: 3.30% APYSep 20, 2026Oct 25, 2026
  • Oct 23, 20263.30%▼ from 3.55%
  • Oct 4, 20263.55%▲ from 3.30%
  • Sep 20, 20263.30%first recorded
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% ▲ 0.11% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.14%▲ 0.11% above avgNationally 2.81%
Details

APY accurate as of 10/1/2026; CDs opened online have a maximum deposit limit of $500,000

Rate History
No change since Sep 11, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 11, 2026: 3.25% APYSep 11, 2026Oct 25, 2026
BRECO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
36 Month Term Share Certificate
$0
3.10% ▼ 0.04% below Louisiana avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▼ 0.04% below avgNationally 2.81%
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.

Rate History
No change since Sep 21, 2026 · 3.10% APY · checked 4 times
2.60%3.10%3.60%Sep 21, 2026: 3.10% APYSep 21, 2026Oct 25, 2026
Formation Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
10289 Airline Hwy, Baton Rouge, LA 70816
3 Year IRA Certificate
$0
2.75% ▼ 0.39% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▼ 0.39% below avgNationally 2.81%
Details

Compound method: 5

Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 25, 2026
Formation Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
10289 Airline Hwy, Baton Rouge, LA 70816
3 Year Share Certificate
$0
2.75% ▼ 0.39% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▼ 0.39% below avgNationally 2.81%
Details

Compound method: 4

Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 25, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
IRA 36 Month
$0
2.02% ▼ 1.12% below Louisiana avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.14%▼ 1.12% below avgNationally 2.81%
Details

Individual Retirement Accounts; Minimum balance to open account/obtain stated APY: $1,000.00 for all IRAs; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 20, 2026: 2.02% APYOct 20, 2026Oct 25, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
Personal or Business Certificate of Deposit Products - 36 Months
$0
2.02% ▼ 1.12% below Louisiana avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.14%▼ 1.12% below avgNationally 2.81%
Details

Minimum balance to open account/obtain stated APY: $1,000.00; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 2.02% APY · checked 3 times
1.52%2.02%2.52%Oct 14, 2026: 2.02% APYOct 14, 2026Oct 25, 2026
Resource Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
9513 Jefferson Hwy, Baton Rouge, LA 70809
3-Year Online CD
$1,000
1.85% ▼ 1.29% below Louisiana avg
View
▼
Rate1.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.14%▼ 1.29% below avgNationally 2.81%
Details

One step-up allowed

Rate History
No change since Oct 22, 2026 · 1.85% APY
1.35%1.85%2.35%Oct 22, 2026: 1.85% APYOct 22, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
3 Year Certificate of Deposit
$500
1.40% ▼ 1.74% below Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.14%▼ 1.74% below avgNationally 2.81%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 9 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
3 Year IRA Certificate of Deposit
$500
1.40% ▼ 1.74% below Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.14%▼ 1.74% below avgNationally 2.81%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 1.40% APY · checked 2 times
0.90%1.40%1.90%Sep 27, 2026: 1.40% APYSep 27, 2026Oct 25, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1201 Capitol Access Rd, Baton Rouge, LA 70802 4438
3 Year Jumbo Share & IRA Certificates
$0
0.90% ▼ 2.24% below Louisiana avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▼ 2.24% below avgNationally 2.81%
Details

IRS early withdrawal penalties may apply on IRA withdrawals

Rate History
No change since Oct 12, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Oct 12, 2026: 0.90% APYOct 12, 2026Oct 25, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1201 Capitol Access Rd, Baton Rouge, LA 70802 4438
Share & IRA Certificate Accounts - 3 Year
$0
0.80% ▼ 2.34% below Louisiana avg
View
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.14%▼ 2.34% below avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 0.80% APY · checked 3 times
0.30%0.80%1.30%Oct 12, 2026: 0.80% APYOct 12, 2026Oct 25, 2026
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
665 Florida St, Baton Rouge, LA 70801
Personal Certificates of Deposit - 3 Years
$1,000
0.35% ▼ 2.79% below Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.14%▼ 2.79% below avgNationally 2.81%
Details

Interest Credited: Quarterly

Rate History
No change since Oct 14, 2026 · 0.35% APY · checked 3 times
0.00%0.43%0.85%Oct 14, 2026: 0.35% APYOct 14, 2026Oct 25, 2026
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3700 Essen Ln, Baton Rouge, LA 70809
36 Month Regular CD Account
$0
0.10% ▼ 3.04% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.14%▼ 3.04% below avgNationally 2.81%
Details

Type: Regular; Next Steps: Open Now

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 25, 2026

Baton Rouge 48 Month CD Rates

Louisiana 48 Month CD Average3.07% APYNational 2.81%▼ 0.11% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
4 Year Super Saver Share Certificate
$100,000
4.50% ▲ 1.43% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 1.43% above avgNationally 2.81%
Details

APY with La Cap Checking; Dividends Credited: Monthly; Effective Date: 10/09/2026

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
2.70%4.05%5.40%Sep 14, 2026: 3.60% APYOct 13, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.50%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
4 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.45% ▲ 1.38% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 1.38% above avgNationally 2.81%
Details

Requires La Cap Checking account; Dividends credited monthly; Effective Date: 10/09/2026

Rate History
2 changes since Sep 14, 2026 · 3.55% → 4.45% ▲ 0.90 pts · high 4.45% / low 3.55%
2.65%4.00%5.35%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.05% APYOct 15, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.45%▲ from 4.05%
  • Oct 13, 20264.05%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
48 Month CDVantage CD
$100,000
4.25% ▲ 1.18% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.07%▲ 1.18% above avgNationally 2.81%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-22-2030; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
CDVantage CD - 48 Months
$100,000
4.25% ▲ 1.18% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.07%▲ 1.18% above avgNationally 2.81%
Details

Interest Frequency: Semi; Nationally sourced CD offering via CDVantage

Rate History
No change since Oct 21, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
48 Month CDVantage CD
$100,000
4.20% ▲ 1.13% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.07%▲ 1.13% above avgNationally 2.81%
Details

Interest Frequency: Monthly; Maturity Date: 07-22-2030; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 21, 2026: 4.20% APYOct 21, 2026Oct 25, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
4-Year Certificate
$500
4.20% ▲ 1.13% above Louisiana avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 1.13% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 4.12% → 4.20% ▲ 0.08 pts · high 4.20% / low 4.12%
3.62%4.16%4.70%Sep 25, 2026: 4.12% APYOct 4, 2026: 4.20% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.20%▲ from 4.12%
  • Sep 25, 20264.12%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
48 Month CDVantage CD
$100,000
4.15% ▲ 1.08% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.07%▲ 1.08% above avgNationally 2.81%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-17-2030; Earliest Settlement Date: 07-17-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 25, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
4 Year Super Saver Share Certificate
$100,000
4.10% ▲ 1.03% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 1.03% above avgNationally 2.81%
Details

Dividends Credited: Monthly; Effective Date: 10/09/2026

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 14, 2026: 3.60% APYOct 13, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.10%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
48 Month CDVantage CD
$100,000
4.05% ▲ 0.98% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.07%▲ 0.98% above avgNationally 2.81%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-22-2030; Earliest Settlement Date: 07-21-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 21, 2026: 4.05% APYOct 21, 2026Oct 25, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
4 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.05% ▲ 0.98% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 0.98% above avgNationally 2.81%
Details

Dividends credited monthly; Effective Date: 10/09/2026

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.05%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
48 Month Share Certificate
$0
4.00% ▲ 0.93% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 0.93% above avgNationally 2.81%
Details

# of days: 1,460 - 1,824; Minimum balance $1500.00

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 25, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA 48 Month Certificate
$0
4.00% ▲ 0.93% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 0.93% above avgNationally 2.81%
Details

Days: 1,460 - 1,824; Minimum balance $1500.00; Dividends compounded and posted monthly

Rate History
No change since Oct 23, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 25, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
Thrifty Saver Share Certificate - 4 Years
$500
4.00% ▲ 0.93% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 0.93% above avgNationally 2.81%
Details

Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 23, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
48 Month Jumbo IRA Certificates
$0
3.90% ▲ 0.83% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 0.83% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 20, 2026: 3.90% APYSep 20, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
48 Month CDVantage CD
$200,000
3.80% ▲ 0.73% above Louisiana avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.07%▲ 0.73% above avgNationally 2.81%
Details

Interest Frequency: Monthly; Maturity Date: 07-14-2030; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
48 Month IRA Certificates
$0
3.80% ▲ 0.73% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 0.73% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
48 Month Jumbo Certificates
$0
3.80% ▲ 0.73% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 0.73% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
48 Month Share Certificates
$0
3.70% ▲ 0.63% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 0.63% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 20, 2026: 3.70% APYSep 20, 2026Oct 25, 2026
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2271 College Dr, Baton Rouge, LA 70808 1839
4 Year Share Certificates
$0
3.70% ▲ 0.63% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.07%▲ 0.63% above avgNationally 2.81%
Details

Minimum Balance: $1,000 and up; Step-Up Option listed for this table

Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 25, 2026
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2271 College Dr, Baton Rouge, LA 70808 1839
48 Month Share Certificate
$0
3.67% ▲ 0.60% above Louisiana avg
View
▼
Rate3.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.07%▲ 0.60% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.67% APY · checked 6 times
3.17%3.67%4.17%Sep 14, 2026: 3.67% APYSep 14, 2026Oct 25, 2026
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
704 Mayflower St, Baton Rouge, LA 70802 6423
4 Year Share Certificate
$0
3.55% ▲ 0.48% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.07%▲ 0.48% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40%
2.90%3.47%4.05%Sep 14, 2026: 3.40% APYOct 9, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.55%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
704 Mayflower St, Baton Rouge, LA 70802 6423
IRA Certificate (Traditional or Roth) - 4 Years
$0
3.55% ▲ 0.48% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.07%▲ 0.48% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
3110 College Dr, Baton Rouge, LA 70808
48 Month 360 CD
$0
3.50% ▲ 0.43% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.07%▲ 0.43% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.50%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3700 Essen Ln, Baton Rouge, LA 70809
CD - 48 Month
$0
3.41% ▲ 0.34% above Louisiana avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.07%▲ 0.34% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 7 times
2.91%3.41%3.91%Sep 18, 2026: 3.41% APYSep 18, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
48 Month Certificate Account
$0
3.35% ▲ 0.28% above Louisiana avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 0.28% above avgNationally 2.81%
Details

Dividends credited quarterly

Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Certificate Account - 48 months
$0
3.35% ▲ 0.28% above Louisiana avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 0.28% above avgNationally 2.81%
Details

Dividends credited quarterly

Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 15, 2026: 3.35% APYOct 15, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Certificate Accounts - 48 months
$0
3.35% ▲ 0.28% above Louisiana avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 0.28% above avgNationally 2.81%
Details

Dividends credited quarterly

Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 15, 2026: 3.35% APYOct 15, 2026Oct 25, 2026
BRECO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
48 Month Term Share Certificate
$0
3.10% ▲ 0.03% above Louisiana avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 0.03% above avgNationally 2.81%
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.

Rate History
No change since Sep 21, 2026 · 3.10% APY · checked 4 times
2.60%3.10%3.60%Sep 21, 2026: 3.10% APYSep 21, 2026Oct 25, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
Certificates of Deposits - 48 Month
$1,000
2.78% ▼ 0.29% below Louisiana avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.07%▼ 0.29% below avgNationally 2.81%
Details

Compound: Quarterly

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 7 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 25, 2026
Formation Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
10289 Airline Hwy, Baton Rouge, LA 70816
4 Year IRA Certificate
$0
2.50% ▼ 0.57% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▼ 0.57% below avgNationally 2.81%
Details

Compound method: 5

Rate History
No change since Sep 25, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 25, 2026: 2.50% APYSep 25, 2026Oct 25, 2026
Formation Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
10289 Airline Hwy, Baton Rouge, LA 70816
4 Year Share Certificate
$0
2.50% ▼ 0.57% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▼ 0.57% below avgNationally 2.81%
Details

Compound method: 4

Rate History
No change since Sep 25, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 25, 2026: 2.50% APYSep 25, 2026Oct 25, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
Personal or Business Certificate of Deposit Products - 48 Months
$0
2.02% ▼ 1.05% below Louisiana avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.07%▼ 1.05% below avgNationally 2.81%
Details

Minimum balance to open account/obtain stated APY: $1,000.00; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 2.02% APY · checked 3 times
1.52%2.02%2.52%Oct 14, 2026: 2.02% APYOct 14, 2026Oct 25, 2026
Resource Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
9513 Jefferson Hwy, Baton Rouge, LA 70809
4-Year Online CD
$1,000
1.85% ▼ 1.22% below Louisiana avg
View
▼
Rate1.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.07%▼ 1.22% below avgNationally 2.81%
Details

Two step-ups allowed during term

Rate History
No change since Oct 22, 2026 · 1.85% APY
1.35%1.85%2.35%Oct 22, 2026: 1.85% APYOct 22, 2026Oct 25, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1201 Capitol Access Rd, Baton Rouge, LA 70802 4438
4 Year Jumbo Share & IRA Certificates
$0
1.20% ▼ 1.87% below Louisiana avg
View
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▼ 1.87% below avgNationally 2.81%
Details

IRS early withdrawal penalties may apply on IRA withdrawals

Rate History
No change since Oct 12, 2026 · 1.20% APY · checked 3 times
0.70%1.20%1.70%Oct 12, 2026: 1.20% APYOct 12, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
4 Year Certificate of Deposit
$500
1.15% ▼ 1.92% below Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.07%▼ 1.92% below avgNationally 2.81%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 9 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
4 Year IRA Certificate of Deposit
$500
1.15% ▼ 1.92% below Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.07%▼ 1.92% below avgNationally 2.81%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 1.15% APY · checked 2 times
0.65%1.15%1.65%Sep 27, 2026: 1.15% APYSep 27, 2026Oct 25, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1201 Capitol Access Rd, Baton Rouge, LA 70802 4438
Share & IRA Certificate Accounts - 4 Year
$0
1.10% ▼ 1.97% below Louisiana avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▼ 1.97% below avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 1.10% APY · checked 3 times
0.60%1.10%1.60%Oct 12, 2026: 1.10% APYOct 12, 2026Oct 25, 2026
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
665 Florida St, Baton Rouge, LA 70801
Personal Certificates of Deposit - 4 Years
$1,000
0.45% ▼ 2.62% below Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.07%▼ 2.62% below avgNationally 2.81%
Details

Interest Credited: Quarterly

Rate History
No change since Oct 14, 2026 · 0.45% APY · checked 3 times
0.00%0.48%0.95%Oct 14, 2026: 0.45% APYOct 14, 2026Oct 25, 2026
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3700 Essen Ln, Baton Rouge, LA 70809
48 Month Regular CD Account
$0
0.10% ▼ 2.97% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.07%▼ 2.97% below avgNationally 2.81%
Details

Type: Regular; Next Steps: Open Now

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Jumbo Certificates
$0
4.47% ▲ 1.40% above Louisiana avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.07%▲ 1.40% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.47% APY · checked 2 times
3.97%4.47%4.97%Oct 14, 2026: 4.47% APYOct 14, 2026Oct 25, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$0
4.40% ▲ 1.33% above Louisiana avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 1.33% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 23, 2026: 4.40% APYOct 23, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.36% ▲ 1.29% above Louisiana avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.07%▲ 1.29% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.36% APY · checked 2 times
3.86%4.36%4.86%Oct 14, 2026: 4.36% APYOct 14, 2026Oct 25, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30% ▲ 1.23% above Louisiana avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 1.23% above avgNationally 2.81%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 25, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Certificates
$0
4.26% ▲ 1.19% above Louisiana avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.07%▲ 1.19% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.26% APY · checked 2 times
3.76%4.26%4.76%Oct 14, 2026: 4.26% APYOct 14, 2026Oct 25, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
Share Certificate/IRA Share Certificate - 48 months
$1,000
4.25% ▲ 1.18% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 1.18% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 25, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
Certificate Account - 48 Months
$1,000
4.25% ▲ 1.18% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 1.18% above avgNationally 2.81%
Details

Minimum opening deposit $1,000; Term options 6, 12, 24, 36, 48 and 60 months

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
IRA Certificate 48 Months
$1,000
4.25% ▲ 1.18% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 1.18% above avgNationally 2.81%
Details

Traditional, Roth, and Coverdell Educational IRA Certificate; Term options 12, 24, 36, 48 and 60 months

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
Plus Point Certificate - 48 Months
$1,000
4.25% ▲ 1.18% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 1.18% above avgNationally 2.81%
Details

Minimum opening deposit $1000 per each term; must open one certificate in each term with equal balances

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Share & IRA Certificate - 48-Month Certificate
$1,000
4.20% ▲ 1.13% above Louisiana avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 1.13% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 48 Month
$0
4.12% ▲ 1.05% above Louisiana avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.07%▲ 1.05% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 23, 2026: 4.12% APYOct 23, 2026Oct 25, 2026

Baton Rouge 60 Month CD Rates

Louisiana 60 Month CD Average3.19% APYNational 2.92%▼ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
5 Year Super Saver Share Certificate
$100,000
4.55% ▲ 1.36% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▲ 1.36% above avgNationally 2.92%
Details

APY with La Cap Checking; Dividends Credited: Monthly; Effective Date: 10/09/2026

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.55% ▲ 0.90 pts · high 4.55% / low 3.65%
2.75%4.10%5.45%Sep 14, 2026: 3.65% APYOct 13, 2026: 4.55% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.55%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
60 Month CDVantage CD
$100,000
4.30% ▲ 1.11% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.19%▲ 1.11% above avgNationally 2.92%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-22-2031; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 21, 2026: 4.30% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
CDVantage CD - 60 Months
$100,000
4.30% ▲ 1.11% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.19%▲ 1.11% above avgNationally 2.92%
Details

Interest Frequency: Semi; Nationally sourced CD offering via CDVantage

Rate History
No change since Oct 21, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 21, 2026: 4.30% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
60 Month CDVantage CD
$100,000
4.25% ▲ 1.06% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.19%▲ 1.06% above avgNationally 2.92%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-22-2031; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
60 Month CDVantage CD
$100,000
4.20% ▲ 1.01% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.19%▲ 1.01% above avgNationally 2.92%
Details

Interest Frequency: Monthly; Maturity Date: 07-22-2031; Earliest Settlement Date: 07-22-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 21, 2026: 4.20% APYOct 21, 2026Oct 25, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
5-Year Certificate
$500
4.20% ▲ 1.01% above Louisiana avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▲ 1.01% above avgNationally 2.92%
Details

Rate History
1 change since Sep 25, 2026 · 4.12% → 4.20% ▲ 0.08 pts · high 4.20% / low 4.12%
3.62%4.16%4.70%Sep 25, 2026: 4.12% APYOct 4, 2026: 4.20% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.20%▲ from 4.12%
  • Sep 25, 20264.12%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
60 Month CDVantage CD
$100,000
4.15% ▲ 0.96% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.19%▲ 0.96% above avgNationally 2.92%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-17-2031; Earliest Settlement Date: 07-17-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 25, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
5 Year Super Saver Share Certificate
$100,000
4.15% ▲ 0.96% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▲ 0.96% above avgNationally 2.92%
Details

Dividends Credited: Monthly; Effective Date: 10/09/2026

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.65%
3.15%3.90%4.65%Sep 14, 2026: 3.65% APYOct 13, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.15%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
5 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.10% ▲ 0.91% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▲ 0.91% above avgNationally 2.92%
Details

Dividends credited monthly; Effective Date: 10/09/2026

Rate History
1 change since Sep 29, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 29, 2026: 3.60% APYOct 13, 2026: 4.10% APYSep 29, 2026Oct 25, 2026
  • Oct 13, 20264.10%▲ from 3.60%
  • Sep 29, 20263.60%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
60 Month CDVantage CD
$100,000
4.05% ▲ 0.86% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.19%▲ 0.86% above avgNationally 2.92%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-21-2031; Earliest Settlement Date: 07-21-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 21, 2026: 4.05% APYOct 21, 2026Oct 25, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
Thrifty Saver Share Certificate - 5 Years
$500
4.05% ▲ 0.86% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▲ 0.86% above avgNationally 2.92%
Details

Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Sep 14, 2026: 3.55% APYOct 23, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.05%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
60 Month Jumbo IRA Certificates
$0
3.95% ▲ 0.76% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▲ 0.76% above avgNationally 2.92%
Details

Rate History
No change since Sep 20, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 20, 2026: 3.95% APYSep 20, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
60 Month CDVantage CD
$200,000
3.90% ▲ 0.71% above Louisiana avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.19%▲ 0.71% above avgNationally 2.92%
Details

Interest Frequency: Monthly; Maturity Date: 07-14-2031; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 21, 2026: 3.90% APYOct 21, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
60 Month IRA Certificates
$0
3.85% ▲ 0.66% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▲ 0.66% above avgNationally 2.92%
Details

Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 20, 2026: 3.85% APYSep 20, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
60 Month Jumbo Certificates
$0
3.85% ▲ 0.66% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▲ 0.66% above avgNationally 2.92%
Details

Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 20, 2026: 3.85% APYSep 20, 2026Oct 25, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
10430 Perkins Rd, Baton Rouge, LA 70810
60 Month CDVantage CD
$100,000
3.80% ▲ 0.61% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.19%▲ 0.61% above avgNationally 2.92%
Details

Interest Frequency: Monthly; Maturity Date: 07-14-2031; Earliest Settlement Date: 07-16-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Oct 25, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
60 Month Share Certificates
$0
3.75% ▲ 0.56% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▲ 0.56% above avgNationally 2.92%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
5 Year Certificate of Deposit
$2,500
3.70% ▲ 0.51% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.19%▲ 0.51% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
Business Certificates of Deposit - 5 Years
$2,500
3.70% ▲ 0.51% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.19%▲ 0.51% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
Certificates of Deposit - 5 Years
$2,500
3.70% ▲ 0.51% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.19%▲ 0.51% above avgNationally 2.92%
Details

Minimum to obtain APY: $2,500; APY = Annual Percentage Yield; rates may change at any time without prior notice; interest rate fixed for the term; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
13444 Hooper Rd, Baton Rouge, LA 70818
IRA 5 Years
$500
3.70% ▲ 0.51% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.19%▲ 0.51% above avgNationally 2.92%
Details

Rate History
No change since Oct 21, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 25, 2026
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
704 Mayflower St, Baton Rouge, LA 70802 6423
5 Year Share Certificate
$0
3.65% ▲ 0.46% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.19%▲ 0.46% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45%
2.95%3.55%4.15%Sep 14, 2026: 3.45% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.65%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
704 Mayflower St, Baton Rouge, LA 70802 6423
IRA Certificate (Traditional or Roth) - 5 Years
$0
3.65% ▲ 0.46% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.19%▲ 0.46% above avgNationally 2.92%
Details

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 25, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
60 Month Share Certificate
$0
3.64% ▲ 0.45% above Louisiana avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▲ 0.45% above avgNationally 2.92%
Details

# of days: 1,825+; Minimum balance $1500.00

Rate History
No change since Oct 15, 2026 · 3.64% APY · checked 2 times
3.14%3.64%4.14%Oct 15, 2026: 3.64% APYOct 15, 2026Oct 25, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12529 Perkins Rd, Baton Rouge, LA 70810
IRA 60 Month Certificate
$0
3.64% ▲ 0.45% above Louisiana avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▲ 0.45% above avgNationally 2.92%
Details

Days: 1,825+; Minimum balance $1500.00; Dividends compounded and posted monthly

Rate History
No change since Oct 23, 2026 · 3.64% APY
3.14%3.64%4.14%Oct 23, 2026: 3.64% APYOct 23, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
3110 College Dr, Baton Rouge, LA 70808
5-year online CDs
$0
3.60% ▲ 0.41% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.19%▲ 0.41% above avgNationally 2.92%
Details

Online CD

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
3110 College Dr, Baton Rouge, LA 70808
60 Month 360 CD
$0
3.60% ▲ 0.41% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.19%▲ 0.41% above avgNationally 2.92%
Details

5-year online CD

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
60 Month Certificate Account
$0
3.45% ▲ 0.26% above Louisiana avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▲ 0.26% above avgNationally 2.92%
Details

Dividends credited quarterly

Rate History
No change since Sep 20, 2026 · 3.45% APY · checked 8 times
2.95%3.45%3.95%Sep 20, 2026: 3.45% APYSep 20, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Certificate Account - 60 months
$0
3.45% ▲ 0.26% above Louisiana avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▲ 0.26% above avgNationally 2.92%
Details

Dividends credited quarterly

Rate History
No change since Oct 15, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 15, 2026: 3.45% APYOct 15, 2026Oct 25, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
Certificate Accounts - 60 months
$0
3.45% ▲ 0.26% above Louisiana avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▲ 0.26% above avgNationally 2.92%
Details

Dividends credited quarterly

Rate History
No change since Oct 15, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 15, 2026: 3.45% APYOct 15, 2026Oct 25, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3700 Essen Ln, Baton Rouge, LA 70809
CD - 60 Month
$0
3.41% ▲ 0.22% above Louisiana avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.19%▲ 0.22% above avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 7 times
2.91%3.41%3.91%Sep 18, 2026: 3.41% APYSep 18, 2026Oct 25, 2026
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% ▲ 0.10% above Louisiana avg
View
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.19%▲ 0.10% above avgNationally 2.92%
Details

Compound: Quarterly; Interest rate may change after the account is opened

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 25, 2026
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% ▲ 0.06% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.19%▲ 0.06% above avgNationally 2.92%
Details

APY accurate as of 10/1/2026; CDs opened online have a maximum deposit limit of $500,000

Rate History
No change since Sep 11, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 11, 2026: 3.25% APYSep 11, 2026Oct 25, 2026
BRECO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
3029 S Sherwood Forest Blvd, Baton Rouge, LA 70816
60 Month Term Share Certificate
$0
3.10% ▼ 0.09% below Louisiana avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▼ 0.09% below avgNationally 2.92%
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.

Rate History
No change since Sep 21, 2026 · 3.10% APY · checked 4 times
2.60%3.10%3.60%Sep 21, 2026: 3.10% APYSep 21, 2026Oct 25, 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% ▼ 0.17% below Louisiana avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.19%▼ 0.17% below avgNationally 2.92%
Details

Compound: Semi-Annual

Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 7 times
2.52%3.02%3.52%Sep 14, 2026: 3.02% APYSep 14, 2026Oct 25, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
8200 Village Plaza Ct, Baton Rouge, LA 70810
Certificates of Deposits - 60 Month
$1,000
2.77% ▼ 0.42% below Louisiana avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Louisiana Average3.19%▼ 0.42% below avgNationally 2.92%
Details

Compound: Semi-Annual

Rate History
No change since Sep 14, 2026 · 2.77% APY · checked 7 times
2.27%2.77%3.27%Sep 14, 2026: 2.77% APYSep 14, 2026Oct 25, 2026
Formation Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
10289 Airline Hwy, Baton Rouge, LA 70816
5 Year IRA Certificate
$0
2.50% ▼ 0.69% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▼ 0.69% below avgNationally 2.92%
Details

Compound method: 5

Rate History
No change since Sep 25, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 25, 2026: 2.50% APYSep 25, 2026Oct 25, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
IRA 60 Month
$0
2.02% ▼ 1.17% below Louisiana avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.19%▼ 1.17% below avgNationally 2.92%
Details

Individual Retirement Accounts; Minimum balance to open account/obtain stated APY: $1,000.00 for all IRAs; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 20, 2026: 2.02% APYOct 20, 2026Oct 25, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
10725 Perkins Road, Baton Rouge, LA 70810
Personal or Business Certificate of Deposit Products - 60 Months
$0
2.02% ▼ 1.17% below Louisiana avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.19%▼ 1.17% below avgNationally 2.92%
Details

Minimum balance to open account/obtain stated APY: $1,000.00; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 2.02% APY · checked 3 times
1.52%2.02%2.52%Oct 14, 2026: 2.02% APYOct 14, 2026Oct 25, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1201 Capitol Access Rd, Baton Rouge, LA 70802 4438
5 Year Jumbo Share & IRA Certificates
$0
1.45% ▼ 1.74% below Louisiana avg
View
▼
Rate1.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▼ 1.74% below avgNationally 2.92%
Details

IRS early withdrawal penalties may apply on IRA withdrawals

Rate History
No change since Oct 12, 2026 · 1.45% APY · checked 3 times
0.95%1.45%1.95%Oct 12, 2026: 1.45% APYOct 12, 2026Oct 25, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1201 Capitol Access Rd, Baton Rouge, LA 70802 4438
Share & IRA Certificate Accounts - 5 Year
$0
1.35% ▼ 1.84% below Louisiana avg
View
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▼ 1.84% below avgNationally 2.92%
Details

Rate History
No change since Oct 12, 2026 · 1.35% APY · checked 3 times
0.85%1.35%1.85%Oct 12, 2026: 1.35% APYOct 12, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
5 Year Certificate of Deposit
$500
1.25% ▼ 1.94% below Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.19%▼ 1.94% below avgNationally 2.92%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 9 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10606 N Mall Dr, Baton Rouge, LA 70809
5 Year IRA Certificate of Deposit
$500
1.25% ▼ 1.94% below Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.19%▼ 1.94% below avgNationally 2.92%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Sep 27, 2026: 1.25% APYSep 27, 2026Oct 25, 2026
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
665 Florida St, Baton Rouge, LA 70801
Personal Certificates of Deposit - 5 Years
$1,000
0.55% ▼ 2.64% below Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Louisiana Average3.19%▼ 2.64% below avgNationally 2.92%
Details

Interest Credited: Quarterly

Rate History
No change since Oct 14, 2026 · 0.55% APY · checked 3 times
0.05%0.55%1.05%Oct 14, 2026: 0.55% APYOct 14, 2026Oct 25, 2026
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3700 Essen Ln, Baton Rouge, LA 70809
60 Month Regular CD Account
$0
0.10% ▼ 3.09% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Louisiana Average3.19%▼ 3.09% below avgNationally 2.92%
Details

Type: Regular; Next Steps: Open Now

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 25, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Jumbo Share Certificate 60-Month
$95,000
4.95% ▲ 1.76% above Louisiana avg
View
▼
Rate4.83%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.19%▲ 1.76% above avgNationally 2.92%
Details

Jumbo rate; Standard jumbo rates available on deposits of $95,000 or more; Early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 4.47% → 4.95% ▲ 0.48 pts · high 4.95% / low 4.47%
3.97%4.71%5.45%Sep 14, 2026: 4.47% APYOct 9, 2026: 4.95% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.95%▲ from 4.47%
  • Sep 14, 20264.47%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Jumbo Certificates
$0
4.87% ▲ 1.68% above Louisiana avg
View
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.19%▲ 1.68% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.87% APY · checked 2 times
4.37%4.87%5.37%Oct 14, 2026: 4.87% APYOct 14, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.76% ▲ 1.57% above Louisiana avg
View
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.19%▲ 1.57% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.76% APY · checked 2 times
4.26%4.76%5.26%Oct 14, 2026: 4.76% APYOct 14, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Certificates
$0
4.66% ▲ 1.47% above Louisiana avg
View
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Louisiana Average3.19%▲ 1.47% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.66% APY · checked 2 times
4.16%4.66%5.16%Oct 14, 2026: 4.66% APYOct 14, 2026Oct 25, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$0
4.40% ▲ 1.21% above Louisiana avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Louisiana Average3.19%▲ 1.21% above avgNationally 2.92%
Details

Rate History
No change since Oct 23, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 23, 2026: 4.40% APYOct 23, 2026Oct 25, 2026
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.

Top CD Rates from Baton Rouge, Louisiana Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
Anthem Bank & Trust
60 Month CDVantage CD
A+ 5.0 ★ TX: 3.32%
Min: $100,000
4.30%
Hancock Whitney Bank
Certificate of Deposit - 24 Month CD
A+ 5.0 ★ TX: 3.41%
Min: $0
4.25%
Resource Bank
18-Month Online CD
A+ 5.0 ★ TX: 0.35%
Min: $1,000
4.15%
First American Bank and Trust
18 Month CD
A 5.0 ★ TX: 6.75%
Min: $1,000
4.02%
Capital One Bank
1-year online CDs
A 5.0 ★ TX: 7.00%
Min: $0
4.00%
CU Top 5 Credit Union Rates
La Capitol Federal Credit Union
5 Year Super Saver Share Certificate
A 5.0 ★ TX: 7.48%
Min: $100,000
4.55%
Campus Federal Credit Union
24 Month Certificate Account
A+ 5.0 ★ TX: 1.21%
Min: $0
4.25%
EFCU Financial Federal Credit Union
12 Month Jumbo IRA Certificates
A+ 5.0 ★ TX: 3.39%
Min: $0
4.20%
Baton Rouge Telco Federal Credit Union
4-Year Certificate
A+ 5.0 ★ TX: 2.39%
Min: $500
4.20%
Eagle Louisiana Federal Credit Union
1 Year IRA Certificate
A+ 5.0 ★ TX: 3.17%
Min: $0
4.05%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

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.

View Full Louisiana CD Trends
12-Month CD LA Avg
3.447%
▼ 0.075 vs 7 days ago

Louisiana 12-month CD rates fell 0.075 points over the past 7 days to 3.447% APY.

6-Month CD LA Avg
3.131%
▼ 0.050 vs 7 days ago

Louisiana 6-month CD rates fell 0.050 points over the past 7 days to 3.131% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

LA CD Rate Forecast, Next 12 Months

Where are Louisiana CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

LA 12-Month Avg APY
3.447%
6-Month Forecast
3.447%
Range: 3.25%, 3.60%
12-Month Forecast
3.697%
Range: 3.50%, 3.85%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Louisiana average 12-month CD APY in our database.

Spread model: The Louisiana 12-month CD average currently trades 0.93% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

What Your Savings Earn at LA CD Rates Today

Annual interest earnings at today’s Louisiana average APYs. State average used where available; national average as fallback.

CD Term LA Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.382% $119.09 $238.18 $595.45 $1,190.90
6-Month CD 3.131% $156.57 $313.13 $782.83 $1,565.65
12-Month CD 3.447% $172.37 $344.74 $861.85 $1,723.70
18-Month CD 3.465% $173.27 $346.53 $866.33 $1,732.65
24-Month CD 3.253% $162.65 $325.30 $813.25 $1,626.50
36-Month CD 3.139% $156.94 $313.87 $784.68 $1,569.35
48-Month CD 3.067% $153.33 $306.66 $766.65 $1,533.30
60-Month CD 3.189% $159.46 $318.92 $797.30 $1,594.60
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
Powered byMonitorBankRates

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.

Build Your Ladder
Rung Term Deposit LA Avg APY Annual Earnings
1 3-Month CD $5,000 2.382% $119.09
2 6-Month CD $5,000 3.131% $156.57
3 12-Month CD $5,000 3.447% $172.37
4 24-Month CD $5,000 3.253% $162.65
5 36-Month CD $5,000 3.139% $156.94
Total ($25,000 invested) $25,000 3.070% blended $767.62/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.

Powered byMonitorBankRates
878
CD Rates
Tracked in Baton Rouge, Louisiana
25 Banks 58 Credit Unions

About Our Baton Rouge, Louisiana CD Rate Database

MonitorBankRates tracks 878 CD rates from 25 banks and 58 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 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: La Capitol Federal Credit Union offers a CD at 4.55% APY with a minimum deposit of $100,000. 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 58 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: 83 institutions here report CD rates

Consider an Alternative If…

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
$109/yr
At LA 12-mo avg 3.447% 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 3.447%, saving 10% of the local median salary ($3,157/year) and putting it in a CD would earn an additional $109 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 to 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, EFCU Financial Federal Credit Union is offering its 6 Month Jumbo IRA Certificates at 4.20% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, La Capitol Federal Credit Union is offering its 5 Year Super Saver Share Certificate at 4.55% 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:
  • La Capitol Federal Credit Union: 4.55% APY (5 Year Super Saver Share Certificate)
  • Anthem Bank & Trust: 4.30% APY (60 Month CDVantage CD)
  • Hancock Whitney Bank: 4.25% APY (Certificate of Deposit - 24 Month CD)
  • Campus Federal Credit Union: 4.25% APY (24 Month Certificate Account)
  • EFCU Financial Federal Credit Union: 4.20% APY (12 Month Jumbo IRA Certificates)
  • Baton Rouge Telco Federal Credit Union: 4.20% APY (4-Year Certificate)
  • Resource Bank: 4.15% APY (18-Month Online CD)
  • Eagle Louisiana Federal Credit Union: 4.05% APY (1 Year IRA Certificate)
  • First American Bank and Trust: 4.02% APY (18 Month CD)
  • Capital One Bank: 4.00% APY (1-year online CDs)
Rates reflect recent verified offers available in Baton Rouge, Louisiana. Last Updated: October 23, 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 to 180 days of interest. Estimates are for informational purposes only.

Top Baton Rouge, Louisiana CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Baton Rouge, Louisiana. Averages shown use the Louisiana state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Baton Rouge, Louisiana

Baton Rouge, Louisiana CD Calculator

At today’s LA top rate of 4.55% APY, a $10,000 deposit earns $455 in the first year. Enter your amount to see your exact return.

Baton Rouge, Louisiana CD Ladder

LA CD rates currently range from 2.382% (3-month) to 3.139% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Baton Rouge, Louisiana CD at 4.55% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Louisiana’s average 12-month CD is 3.447% 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: October 23, 2026

Baton Rouge, Louisiana Rates & Resources

$
Baton Rouge, Louisiana Mortgage Rates
$
Baton Rouge, Louisiana Refinance Rates
$
Baton Rouge, Louisiana Home Equity Loan Rates
$
Baton Rouge, Louisiana Savings Rates
$
Baton Rouge, Louisiana Money Market Rates
$
Baton Rouge, Louisiana Checking Rates
$
Baton Rouge, Louisiana Auto Loan Rates
$
Baton Rouge, Louisiana Personal Loan Rates
$
Baton Rouge, Louisiana Homeowners Insurance
$
Baton Rouge, Louisiana Car Insurance