Garden City, Louisiana Best CD Rates August 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Garden City, Louisiana CD rates include GEISMAR COMPLEXGEISMAR COMPLEXA5.0 ★Texas Ratio: 3.75%Real return: +1.53%APY minus CPI (February 2026) offering 1 YEAR CERTIFICATE at 4.33% APY, Crescent BankCrescent BankC4.0 ★Texas Ratio: 27.16%Real return: +1.45%APY minus CPI (February 2026) offering 24-month CD at 4.25% APY, ANECA Federal Credit UnionANECA Federal Credit UnionA5.0 ★Texas Ratio: 7.44%Real return: +1.40%APY minus CPI (February 2026) offering 60-Month Certificate at 4.20% APY, Noda Federal Credit UnionNoda Federal Credit UnionA5.0 ★Texas Ratio: 6.33%Real return: +1.27%APY minus CPI (February 2026) offering 36 months at 4.07% APY, and Red River Employees Federal Credit UnionRed River Employees Federal Credit UnionA+5.0 ★Texas Ratio: 4.81%Real return: +1.27%APY minus CPI (February 2026) offering 6 Month TEAL Certificate (Age 0-17) at 4.07% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Garden City is a smaller community with no bank or credit union branches currently in our database. 347 institutions serving the Louisiana area are available to Garden City residents, with CD rates as high as 4.33% APY from GEISMAR COMPLEX. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: August 28, 2026
Compare Best CD Rates in Garden City, Louisiana & the Surrounding Area
Garden City 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
IRA Certificate 3 Months
$0
3.72%
▲ 1.64% above Louisiana avg
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.08%▲ 1.64% above avgNationally 1.96%
Details
UCB Raceland, LA
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3 Month Certificate
$1,000
3.50%
▲ 1.42% above Louisiana avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.08%▲ 1.42% above avgNationally 1.96%
Details
Annual Percentage Yield (APY) accurate as of 4/23/2026 and may change at any time. A $1,000 minimum deposit required to open and earn the stated APY. Interest on CDs 12 months or less will be paid at maturity. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
IRA Accounts 3 Months
$1,000
3.50%
▲ 1.42% above Louisiana avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.08%▲ 1.42% above avgNationally 1.96%
Details
First American Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
3 Month CD
$0
3.44%
▲ 1.36% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.08%▲ 1.36% above avgNationally 1.96%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Month Certificate
$0
3.30%
▲ 1.22% above Louisiana avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.08%▲ 1.22% above avgNationally 1.96%
Details
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
3-Month Certificate
$500
2.75%
▲ 0.67% above Louisiana avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.08%▲ 0.67% above avgNationally 1.96%
Details
Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Dividends are calculated on a daily balance method and are compounded and credited monthly.
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
90 Day
$500
2.70%
▲ 0.62% above Louisiana avg
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.08%▲ 0.62% above avgNationally 1.96%
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
90 Days
$0
1.90%
▼ 0.18% below Louisiana avg
▼
Rate1.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.08%▼ 0.18% below avgNationally 1.96%
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
90 Days
$2,500
1.75%
▼ 0.33% below Louisiana avg
▼
Rate1.74%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.08%▼ 0.33% below avgNationally 1.96%
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
3 Month
$0
1.26%
▼ 0.82% below Louisiana avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.08%▼ 0.82% below avgNationally 1.96%
Details
Compound: At Maturity
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Business 3 Months
$0
1.00%
▼ 1.08% below Louisiana avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.08%▼ 1.08% below avgNationally 1.96%
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3-Month Certificate
$500
0.99%
▼ 1.09% below Louisiana avg
▼
Rate0.99%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.08%▼ 1.09% below avgNationally 1.96%
Details
Pays Monthly
American Bank & Trust Company LA
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
90 Day CD
$1,000
0.65%
▼ 1.43% below Louisiana avg
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.08%▼ 1.43% below avgNationally 1.96%
Details
Garden City 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Month TEAL Certificate (Age 0-17)
$250
4.07%
▲ 1.14% above Louisiana avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 1.14% above avgNationally 2.67%
Details
Age: 0-17
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6-Month TEAL Certificate
$250
4.07%
▲ 1.14% above Louisiana avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 1.14% above avgNationally 2.67%
Details
For kids and Teens (age 0-17). TEAL is short for Teens Earning And Learning, but any member from 0 to 17 years of age can have one of these lower-deposit certificates. compounded monthly.
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
IRA Certificate 6 Months
$0
3.82%
▲ 0.89% above Louisiana avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.89% above avgNationally 2.67%
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
6 Month IRA
$250
3.80%
▲ 0.87% above Louisiana avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.87% above avgNationally 2.67%
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
6-Month Certificate
$0
3.80%
▲ 0.87% above Louisiana avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.87% above avgNationally 2.67%
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
6 Month CD
$2,500
3.79%
▲ 0.86% above Louisiana avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.86% above avgNationally 2.67%
Details
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
6-Month Certificate
$500
3.75%
▲ 0.82% above Louisiana avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.82% above avgNationally 2.67%
Details
Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Dividends are calculated on a daily balance method and are compounded and credited monthly.
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6-Month Certificate
$0
3.75%
▲ 0.82% above Louisiana avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.82% above avgNationally 2.67%
Details
UCB Raceland, LA
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
6 Month Certificate
$1,000
3.73%
▲ 0.80% above Louisiana avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.80% above avgNationally 2.67%
Details
Annual Percentage Yield (APY) accurate as of 4/23/2026 and may change at any time. A $1,000 minimum deposit required to open and earn the stated APY. Interest on CDs 12 months or less will be paid at maturity. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
6 months
$0
3.65%
▲ 0.72% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.72% above avgNationally 2.67%
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
IRA Certificate 6 month
$0
3.65%
▲ 0.72% above Louisiana avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.72% above avgNationally 2.67%
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
6-Month Certificate
$1,000
3.65%
▲ 0.72% above Louisiana avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.72% above avgNationally 2.67%
Details
Pays Monthly
Landmark Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.10%
6-Month CD
$0
3.60%
▲ 0.67% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.67% above avgNationally 2.67%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.60%
▲ 0.67% above Louisiana avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.67% above avgNationally 2.67%
Details
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
6 Month Certificate
$0
3.58%
▲ 0.65% above Louisiana avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.65% above avgNationally 2.67%
Details
GEISMAR COMPLEX
Institution Rating:
A5.0 ★Texas Ratio: 3.75%
6 MONTH CERTIFICATE
$500
3.56%
▲ 0.63% above Louisiana avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.63% above avgNationally 2.67%
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
CD - 6 Months
$1,000
3.56%
▲ 0.63% above Louisiana avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.63% above avgNationally 2.67%
Details
At the end of the term, CD will automatically renew to the current rate.
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
6 Months
$500
3.55%
▲ 0.62% above Louisiana avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.62% above avgNationally 2.67%
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Business 6 Months
$0
3.53%
▲ 0.60% above Louisiana avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.60% above avgNationally 2.67%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
6 Month CD
$500
3.50%
▲ 0.57% above Louisiana avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.57% above avgNationally 2.67%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
6 months
$0
3.50%
▲ 0.57% above Louisiana avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.57% above avgNationally 2.67%
Details
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
IRA Accounts 6 Months
$1,000
3.50%
▲ 0.57% above Louisiana avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.57% above avgNationally 2.67%
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
6 Months
$0
3.50%
▲ 0.57% above Louisiana avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.57% above avgNationally 2.67%
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
6 Month Share Certificate
$2,500
3.50%
▲ 0.57% above Louisiana avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.57% above avgNationally 2.67%
Details
Dividends Credited: Monthly
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
6-Month Share Certificate
$2,500
3.50%
▲ 0.57% above Louisiana avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.57% above avgNationally 2.67%
Details
Dividends Posted: Monthly
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.50%
▲ 0.57% above Louisiana avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.57% above avgNationally 2.67%
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
6-month Certificates
$0
3.50%
▲ 0.57% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.57% above avgNationally 2.67%
Details
Dividends are paid out either monthly or quarterly. Early withdrawals are subject to penalty. Upon maturity, certificate will renew at the current rate at the time of renewal.
First American Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
6 Month CD
$0
3.43%
▲ 0.50% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.50% above avgNationally 2.67%
Details
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
6 Month CD
$50
3.40%
▲ 0.47% above Louisiana avg
▼
Rate3.35%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.47% above avgNationally 2.67%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 Month Certificate
$0
3.40%
▲ 0.47% above Louisiana avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.47% above avgNationally 2.67%
Details
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate 6-Month
$0
3.30%
▲ 0.37% above Louisiana avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.37% above avgNationally 2.67%
Details
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
6 months
$0
3.30%
▲ 0.37% above Louisiana avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.37% above avgNationally 2.67%
Details
LES
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
6 month Share Certificate
$500
3.27%
▲ 0.34% above Louisiana avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.34% above avgNationally 2.67%
Details
Pd at Maturity
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
6 Months
$2,500
3.25%
▲ 0.32% above Louisiana avg
▼
Rate3.22%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.32% above avgNationally 2.67%
Details
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
6 Month CD
$10
3.25%
▲ 0.32% above Louisiana avg
▼
Rate3.20%
Min Deposit$10
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.32% above avgNationally 2.67%
Details
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
6 Months
$500
3.25%
▲ 0.32% above Louisiana avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.32% above avgNationally 2.67%
Details
Compounded / Credited: Monthly/Monthly
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
6 Month CD
$500
3.20%
▲ 0.27% above Louisiana avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.27% above avgNationally 2.67%
Details
Eureka Homestead
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
6 Month Certificate
$1,000
3.00%
▲ 0.07% above Louisiana avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▲ 0.07% above avgNationally 2.67%
Details
Early Withdrawal Penalty: 3 months; Interest Calculation Method: Compound Daily 365/365
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
6 Month
$0
2.77%
▼ 0.16% below Louisiana avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▼ 0.16% below avgNationally 2.67%
Details
Compound: At Maturity
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
Roth IRA - Fixed Rate (6 mo)
$1,000
2.77%
▼ 0.16% below Louisiana avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▼ 0.16% below avgNationally 2.67%
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
IRA 6 Months
$500
2.75%
▼ 0.18% below Louisiana avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▼ 0.18% below avgNationally 2.67%
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6 Month
$500
2.70%
▼ 0.23% below Louisiana avg
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▼ 0.23% below avgNationally 2.67%
Details
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
6 Months
$0
2.52%
▼ 0.41% below Louisiana avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▼ 0.41% below avgNationally 2.67%
Details
Minimum $1000.00 Share Certificates. Note: Early withdrawal penalties do apply to certificates.
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
Silver Share Certificates 6 Month
$500
2.47%
▼ 0.46% below Louisiana avg
▼
Rate2.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▼ 0.46% below avgNationally 2.67%
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
IRA Certificates 6 months
$500
2.38%
▼ 0.55% below Louisiana avg
▼
Rate2.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▼ 0.55% below avgNationally 2.67%
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
IRA Certificate Accounts 6 Month
$500
2.31%
▼ 0.62% below Louisiana avg
▼
Rate2.29%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▼ 0.62% below avgNationally 2.67%
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
6 Month Share Certificate
$500
2.21%
▼ 0.72% below Louisiana avg
▼
Rate2.19%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▼ 0.72% below avgNationally 2.67%
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
Share Certificate - 6 Months
$2,500
2.01%
▼ 0.92% below Louisiana avg
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▼ 0.92% below avgNationally 2.67%
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
I.R.A. 6-Month Fixed
$0
1.76%
▼ 1.17% below Louisiana avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▼ 1.17% below avgNationally 2.67%
Details
American Bank & Trust Company LA
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
6 Month CD
$1,000
1.56%
▼ 1.37% below Louisiana avg
▼
Rate1.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.93%▼ 1.37% below avgNationally 2.67%
Details
Garden City 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
GEISMAR COMPLEX
Institution Rating:
A5.0 ★Texas Ratio: 3.75%
1 YEAR CERTIFICATE
$500
4.33%
▲ 1.22% above Louisiana avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 1.22% above avgNationally 2.83%
Details
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1-Year Certificate
$500
4.00%
▲ 0.89% above Louisiana avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.89% above avgNationally 2.83%
Details
Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Dividends are calculated on a daily balance method and are compounded and credited monthly.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
12 Month Certificate
$0
4.00%
▲ 0.89% above Louisiana avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.89% above avgNationally 2.83%
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
Silver Share Certificates 1 Year
$500
3.91%
▲ 0.80% above Louisiana avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.80% above avgNationally 2.83%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.89%
▲ 0.78% above Louisiana avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.78% above avgNationally 2.83%
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
12 Month Expandable
$100
3.85%
▲ 0.74% above Louisiana avg
▼
Rate3.78%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.74% above avgNationally 2.83%
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
12 Months
$500
3.85%
▲ 0.74% above Louisiana avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.74% above avgNationally 2.83%
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
12-Month CD
$1,000
3.85%
▲ 0.74% above Louisiana avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.74% above avgNationally 2.83%
Details
Pays Monthly
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
12-Month CD (High Yield)
$100
3.85%
▲ 0.74% above Louisiana avg
▼
Rate3.85%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.74% above avgNationally 2.83%
Details
Pays Monthly
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
IRA Certificate 12 Months (1 Year)
$0
3.82%
▲ 0.71% above Louisiana avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.71% above avgNationally 2.83%
Details
LES
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 year Share Certificate
$50,000
3.82%
▲ 0.71% above Louisiana avg
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.71% above avgNationally 2.83%
Details
Pd at Maturity
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
CD - 12 Months
$1,000
3.81%
▲ 0.70% above Louisiana avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.70% above avgNationally 2.83%
Details
At the end of the term, CD will automatically renew to the current rate.
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
12 Month IRA
$250
3.80%
▲ 0.69% above Louisiana avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.69% above avgNationally 2.83%
Details
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
12-Month Certificate
$0
3.80%
▲ 0.69% above Louisiana avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.69% above avgNationally 2.83%
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
12-Month Certificate
$0
3.80%
▲ 0.69% above Louisiana avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.69% above avgNationally 2.83%
Details
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
1 Year Share Certificate
$1,000
3.80%
▲ 0.69% above Louisiana avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.69% above avgNationally 2.83%
Details
Dividends compounded quarterly. Dividends are credited quarterly.
LES
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 year Education IRA
$0
3.77%
▲ 0.66% above Louisiana avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.66% above avgNationally 2.83%
Details
LES
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 year IRA
$0
3.77%
▲ 0.66% above Louisiana avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.66% above avgNationally 2.83%
Details
LES
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 year Roth IRA
$0
3.77%
▲ 0.66% above Louisiana avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.66% above avgNationally 2.83%
Details
LES
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 year Share Certificate
$500
3.77%
▲ 0.66% above Louisiana avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.66% above avgNationally 2.83%
Details
Pd at Maturity
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
IRA Certificate Accounts 1 Year
$500
3.75%
▲ 0.64% above Louisiana avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.64% above avgNationally 2.83%
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
12 Month CD
$2,500
3.75%
▲ 0.64% above Louisiana avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.64% above avgNationally 2.83%
Details
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
1-Year Certificate Special
$0
3.75%
▲ 0.64% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.64% above avgNationally 2.83%
Details
Special offer
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
12 Months
$0
3.75%
▲ 0.64% above Louisiana avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.64% above avgNationally 2.83%
Details
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
1 Year
$500
3.75%
▲ 0.64% above Louisiana avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.64% above avgNationally 2.83%
Details
Compounded / Credited: Monthly/Monthly
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month
$0
3.74%
▲ 0.63% above Louisiana avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.63% above avgNationally 2.83%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
YOUth Boost 12-Month
$0
3.74%
▲ 0.63% above Louisiana avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.63% above avgNationally 2.83%
Details
First American Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
12 Month CD
$0
3.65%
▲ 0.54% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.54% above avgNationally 2.83%
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
12 months
$0
3.65%
▲ 0.54% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.54% above avgNationally 2.83%
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
IRA Certificate 12 month
$0
3.65%
▲ 0.54% above Louisiana avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.54% above avgNationally 2.83%
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
1 Year Share Certificate
$500
3.65%
▲ 0.54% above Louisiana avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.54% above avgNationally 2.83%
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
1-Year Thrifty Saver Share Certificate
$1,500
3.65%
▲ 0.54% above Louisiana avg
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.54% above avgNationally 2.83%
Details
Dividends Posted: Monthly
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
12 Month CD
$50
3.61%
▲ 0.50% above Louisiana avg
▼
Rate3.55%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.50% above avgNationally 2.83%
Details
UCB Raceland, LA
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
12 Month Certificate
$1,000
3.60%
▲ 0.49% above Louisiana avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.49% above avgNationally 2.83%
Details
Annual Percentage Yield (APY) accurate as of 4/23/2026 and may change at any time. A $1,000 minimum deposit required to open and earn the stated APY. Interest on CDs 12 months or less will be paid at maturity. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Landmark Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.10%
12-Month CD
$0
3.60%
▲ 0.49% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.49% above avgNationally 2.83%
Details
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
12 Month (1 Year) Certificate
$0
3.58%
▲ 0.47% above Louisiana avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.47% above avgNationally 2.83%
Details
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
12 months
$0
3.56%
▲ 0.45% above Louisiana avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.45% above avgNationally 2.83%
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
12 Months
$2,500
3.55%
▲ 0.44% above Louisiana avg
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.44% above avgNationally 2.83%
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
IRA Certificate 1 Year
$0
3.55%
▲ 0.44% above Louisiana avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.44% above avgNationally 2.83%
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
IRA Certificate 1 Year Variable
$0
3.55%
▲ 0.44% above Louisiana avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.44% above avgNationally 2.83%
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
IRA Certificates 1 Year
$500
3.55%
▲ 0.44% above Louisiana avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.44% above avgNationally 2.83%
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
IRA Certificates 1 Year Variable
$500
3.55%
▲ 0.44% above Louisiana avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.44% above avgNationally 2.83%
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
12 months
$0
3.55%
▲ 0.44% above Louisiana avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.44% above avgNationally 2.83%
Details
Dividends credited quarterly
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
12 Month CD
$10
3.51%
▲ 0.40% above Louisiana avg
▼
Rate3.45%
Min Deposit$10
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.40% above avgNationally 2.83%
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
12 Month IRA
$50
3.50%
▲ 0.39% above Louisiana avg
▼
Rate3.50%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.39% above avgNationally 2.83%
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
Share Certificate - 12 Months
$2,500
3.50%
▲ 0.39% above Louisiana avg
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.39% above avgNationally 2.83%
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
12-month Certificates
$0
3.50%
▲ 0.39% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.39% above avgNationally 2.83%
Details
Dividends are paid out either monthly or quarterly. Early withdrawals are subject to penalty. Upon maturity, certificate will renew at the current rate at the time of renewal.
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate 1-Year
$0
3.40%
▲ 0.29% above Louisiana avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.29% above avgNationally 2.83%
Details
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
12 Month CD
$500
3.40%
▲ 0.29% above Louisiana avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.29% above avgNationally 2.83%
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
Healthy Kids Club 12 months
$500
3.40%
▲ 0.29% above Louisiana avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average3.11%▲ 0.29% above avgNationally 2.83%
Details
Healthy Kids Club
Garden City 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
18-Month Certificate
$0
3.90%
▲ 0.96% above Louisiana avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.96% above avgNationally 2.67%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.85%
▲ 0.91% above Louisiana avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.91% above avgNationally 2.67%
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
18-Month Certificate
$0
3.80%
▲ 0.86% above Louisiana avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.86% above avgNationally 2.67%
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Months
$0
3.76%
▲ 0.82% above Louisiana avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.82% above avgNationally 2.67%
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
IRA Share Certificates 18 Months
$0
3.75%
▲ 0.81% above Louisiana avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.81% above avgNationally 2.67%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.75%
▲ 0.81% above Louisiana avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.81% above avgNationally 2.67%
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
18 months
$0
3.70%
▲ 0.76% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.76% above avgNationally 2.67%
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
IRA Certificate 18 month
$0
3.70%
▲ 0.76% above Louisiana avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.76% above avgNationally 2.67%
Details
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
18 months
$0
3.66%
▲ 0.72% above Louisiana avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.72% above avgNationally 2.67%
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
IRA Certificate 18 Months
$0
3.64%
▲ 0.70% above Louisiana avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.70% above avgNationally 2.67%
Details
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month CD
$50
3.61%
▲ 0.67% above Louisiana avg
▼
Rate3.55%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.67% above avgNationally 2.67%
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
18 Months
$2,500
3.60%
▲ 0.66% above Louisiana avg
▼
Rate3.55%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.66% above avgNationally 2.67%
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
IRA Certificate 18 Months
$0
3.60%
▲ 0.66% above Louisiana avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.66% above avgNationally 2.67%
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
IRA Certificates 18 Months
$500
3.60%
▲ 0.66% above Louisiana avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.66% above avgNationally 2.67%
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
Traditional - Variable Rate (18 month)
$100
3.55%
▲ 0.61% above Louisiana avg
▼
Rate3.50%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.61% above avgNationally 2.67%
Details
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month CD
$10
3.51%
▲ 0.57% above Louisiana avg
▼
Rate3.45%
Min Deposit$10
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.57% above avgNationally 2.67%
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
18 months
$0
3.50%
▲ 0.56% above Louisiana avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.56% above avgNationally 2.67%
Details
Dividends credited quarterly
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
18-month Certificates
$0
3.50%
▲ 0.56% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.56% above avgNationally 2.67%
Details
Dividends are paid out either monthly or quarterly. Early withdrawals are subject to penalty. Upon maturity, certificate will renew at the current rate at the time of renewal.
UCB Raceland, LA
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 Month Certificate
$1,000
3.41%
▲ 0.47% above Louisiana avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.47% above avgNationally 2.67%
Details
Annual Percentage Yield (APY) accurate as of 4/23/2026 and may change at any time. A $1,000 minimum deposit required to open and earn the stated APY. Interest on CDs longer than 12 months will be paid annually. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month CD
$500
3.40%
▲ 0.46% above Louisiana avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.46% above avgNationally 2.67%
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
Roth IRA - Variable Rate (18 mo)
$100
3.29%
▲ 0.35% above Louisiana avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.35% above avgNationally 2.67%
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
18 Month IRA
$250
3.29%
▲ 0.35% above Louisiana avg
▼
Rate3.25%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.35% above avgNationally 2.67%
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
18 Month CD
$2,500
3.25%
▲ 0.31% above Louisiana avg
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.31% above avgNationally 2.67%
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Months
$0
3.25%
▲ 0.31% above Louisiana avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.31% above avgNationally 2.67%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
18 months
$0
3.05%
▲ 0.11% above Louisiana avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▲ 0.11% above avgNationally 2.67%
Details
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate 18-Month
$0
2.84%
▼ 0.10% below Louisiana avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▼ 0.10% below avgNationally 2.67%
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
18 Month
$0
2.78%
▼ 0.16% below Louisiana avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▼ 0.16% below avgNationally 2.67%
Details
Compound: Quarterly
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
Roth IRA - Fixed Rate (18 mo)
$1,000
2.78%
▼ 0.16% below Louisiana avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▼ 0.16% below avgNationally 2.67%
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
IRA 18-Month Certificate
$0
2.62%
▼ 0.32% below Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▼ 0.32% below avgNationally 2.67%
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
18 Month
$500
2.60%
▼ 0.34% below Louisiana avg
▼
Rate2.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▼ 0.34% below avgNationally 2.67%
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
I.R.A. 18-Month Variable
$0
2.52%
▼ 0.42% below Louisiana avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▼ 0.42% below avgNationally 2.67%
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Business 18 Months
$0
2.02%
▼ 0.92% below Louisiana avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▼ 0.92% below avgNationally 2.67%
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
18 Months
$500
2.00%
▼ 0.94% below Louisiana avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▼ 0.94% below avgNationally 2.67%
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Month
$0
0.30%
▼ 2.64% below Louisiana avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.94%▼ 2.64% below avgNationally 2.67%
Details
Garden City 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
24-month CD
$1,000
4.25%
▲ 1.54% above Louisiana avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 1.54% above avgNationally 2.71%
Details
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
2-Year Certificate
$500
4.00%
▲ 1.29% above Louisiana avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 1.29% above avgNationally 2.71%
Details
Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Dividends are calculated on a daily balance method and are compounded and credited monthly.
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
24-Month Certificate
$0
4.00%
▲ 1.29% above Louisiana avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 1.29% above avgNationally 2.71%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.90%
▲ 1.19% above Louisiana avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 1.19% above avgNationally 2.71%
Details
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
24 months
$0
3.81%
▲ 1.10% above Louisiana avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 1.10% above avgNationally 2.71%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.75%
▲ 1.04% above Louisiana avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 1.04% above avgNationally 2.71%
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
2 Years
$2,500
3.65%
▲ 0.94% above Louisiana avg
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.94% above avgNationally 2.71%
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
IRA Certificate 2 Years
$0
3.65%
▲ 0.94% above Louisiana avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.94% above avgNationally 2.71%
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
IRA Certificates 2 Years
$500
3.65%
▲ 0.94% above Louisiana avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.94% above avgNationally 2.71%
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
IRA Certificate 24 Months (2 Years)
$0
3.61%
▲ 0.90% above Louisiana avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.90% above avgNationally 2.71%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
24 Month Certificate
$0
3.60%
▲ 0.89% above Louisiana avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.89% above avgNationally 2.71%
Details
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
2 Year Share Certificate
$1,000
3.55%
▲ 0.84% above Louisiana avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.84% above avgNationally 2.71%
Details
Dividends compounded quarterly. Dividends are credited quarterly.
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
24 months
$0
3.50%
▲ 0.79% above Louisiana avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.79% above avgNationally 2.71%
Details
Dividends credited quarterly
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
IRA Share Certificates 24 Months
$0
3.50%
▲ 0.79% above Louisiana avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.79% above avgNationally 2.71%
Details
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Jumbo IRA & Share Certificate Accounts 2 Years
$0
3.50%
▲ 0.79% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.79% above avgNationally 2.71%
Details
Compounded / Credited: Monthly/Monthly
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
24 Month Certificate
$0
3.50%
▲ 0.79% above Louisiana avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.79% above avgNationally 2.71%
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
24-Month CD
$1,000
3.50%
▲ 0.79% above Louisiana avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.79% above avgNationally 2.71%
Details
Pays at Maturity
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
24 Month IRA
$250
3.44%
▲ 0.73% above Louisiana avg
▼
Rate3.40%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.73% above avgNationally 2.71%
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
24 months
$0
3.44%
▲ 0.73% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.73% above avgNationally 2.71%
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
IRA Certificate 24 month
$0
3.44%
▲ 0.73% above Louisiana avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.73% above avgNationally 2.71%
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
24 Month CD
$2,500
3.40%
▲ 0.69% above Louisiana avg
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.69% above avgNationally 2.71%
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
24 months
$0
3.40%
▲ 0.69% above Louisiana avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.69% above avgNationally 2.71%
Details
Dividends credited quarterly
GEISMAR COMPLEX
Institution Rating:
A5.0 ★Texas Ratio: 3.75%
2 YEAR CERTIFICATE
$500
3.30%
▲ 0.59% above Louisiana avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.59% above avgNationally 2.71%
Details
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
24 Month (2 Years) Certificate
$0
3.30%
▲ 0.59% above Louisiana avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.59% above avgNationally 2.71%
Details
UCB Raceland, LA
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
24 Month Certificate
$1,000
3.25%
▲ 0.54% above Louisiana avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.54% above avgNationally 2.71%
Details
Annual Percentage Yield (APY) accurate as of 4/23/2026 and may change at any time. A $1,000 minimum deposit required to open and earn the stated APY. Interest on CDs longer than 12 months will be paid annually. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
24 Month Certificate
$0
3.25%
▲ 0.54% above Louisiana avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.54% above avgNationally 2.71%
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
Silver Share Certificates 2 Year
$500
3.19%
▲ 0.48% above Louisiana avg
▼
Rate3.14%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.48% above avgNationally 2.71%
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
24 Month Expandable
$100
3.10%
▲ 0.39% above Louisiana avg
▼
Rate3.06%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.39% above avgNationally 2.71%
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
24 Months
$500
3.10%
▲ 0.39% above Louisiana avg
▼
Rate3.06%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.39% above avgNationally 2.71%
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
CD - 2 Years
$1,000
3.04%
▲ 0.33% above Louisiana avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.33% above avgNationally 2.71%
Details
At the end of the term, CD will automatically renew to the current rate.
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
IRA Certificate Accounts 2 Year
$500
3.03%
▲ 0.32% above Louisiana avg
▼
Rate2.99%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.32% above avgNationally 2.71%
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
24 Month IRA
$50
3.00%
▲ 0.29% above Louisiana avg
▼
Rate3.00%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.29% above avgNationally 2.71%
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
Share Certificate - 24 Months
$2,500
3.00%
▲ 0.29% above Louisiana avg
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.29% above avgNationally 2.71%
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
24 Months
$0
3.00%
▲ 0.29% above Louisiana avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.29% above avgNationally 2.71%
Details
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2 Years
$500
3.00%
▲ 0.29% above Louisiana avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.29% above avgNationally 2.71%
Details
Compounded / Credited: Monthly/Monthly
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
2 Year Share Certificate
$500
2.93%
▲ 0.22% above Louisiana avg
▼
Rate2.89%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.22% above avgNationally 2.71%
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
24-Month Jump Up Share Certificates
$0
2.90%
▲ 0.19% above Louisiana avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.19% above avgNationally 2.71%
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
24 Month
$0
2.78%
▲ 0.07% above Louisiana avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.07% above avgNationally 2.71%
Details
Compound: Quarterly
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
Roth IRA - Fixed Rate (24 mo)
$1,000
2.78%
▲ 0.07% above Louisiana avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.07% above avgNationally 2.71%
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2 Year
$500
2.75%
▲ 0.04% above Louisiana avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.04% above avgNationally 2.71%
Details
Eureka Homestead
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1-1/2 Year Certificate
$1,000
2.75%
▲ 0.04% above Louisiana avg
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▲ 0.04% above avgNationally 2.71%
Details
Early Withdrawal Penalty: 6 months; Interest Calculation Method: Compound Daily 365/365
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate 2-Year
$0
2.68%
▼ 0.03% below Louisiana avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▼ 0.03% below avgNationally 2.71%
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
IRA Certificates 24 months
$500
2.63%
▼ 0.08% below Louisiana avg
▼
Rate2.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▼ 0.08% below avgNationally 2.71%
Details
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
IRA Accounts 2 Year Step
$1,000
2.50%
▼ 0.21% below Louisiana avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▼ 0.21% below avgNationally 2.71%
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
IRA 24 Months
$500
2.50%
▼ 0.21% below Louisiana avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▼ 0.21% below avgNationally 2.71%
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
I.R.A. 2-Year Fixed
$0
2.27%
▼ 0.44% below Louisiana avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▼ 0.44% below avgNationally 2.71%
Details
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
24 Months
$0
2.27%
▼ 0.44% below Louisiana avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▼ 0.44% below avgNationally 2.71%
Details
Minimum $1000.00 Share Certificates. Note: Early withdrawal penalties do apply to certificates.
Eureka Homestead
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
2 Year Certificate
$1,000
2.25%
▼ 0.46% below Louisiana avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▼ 0.46% below avgNationally 2.71%
Details
Early Withdrawal Penalty: 6 months; Interest Calculation Method: Compound Daily 365/365
Eureka Homestead
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
2-1/2 Year Certificate
$1,000
2.25%
▼ 0.46% below Louisiana avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▼ 0.46% below avgNationally 2.71%
Details
Early Withdrawal Penalty: 6 months; Interest Calculation Method: Compound Daily 365/365
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
IRA Accounts 2 1/2 Years
$1,000
2.25%
▼ 0.46% below Louisiana avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.71%▼ 0.46% below avgNationally 2.71%
Details
Garden City 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
36-Month Certificate
$0
4.10%
▲ 1.53% above Louisiana avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 1.53% above avgNationally 2.66%
Details
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
36 months
$0
4.07%
▲ 1.50% above Louisiana avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 1.50% above avgNationally 2.66%
Details
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
3-Year Certificate
$500
4.00%
▲ 1.43% above Louisiana avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 1.43% above avgNationally 2.66%
Details
Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Dividends are calculated on a daily balance method and are compounded and credited monthly.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.86%
▲ 1.29% above Louisiana avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 1.29% above avgNationally 2.66%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.71%
▲ 1.14% above Louisiana avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 1.14% above avgNationally 2.66%
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
3 Years
$2,500
3.70%
▲ 1.13% above Louisiana avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 1.13% above avgNationally 2.66%
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
IRA Certificate 3 Years
$0
3.70%
▲ 1.13% above Louisiana avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 1.13% above avgNationally 2.66%
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
IRA Certificates 3 Years
$500
3.70%
▲ 1.13% above Louisiana avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 1.13% above avgNationally 2.66%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
36 Month Certificate
$0
3.60%
▲ 1.03% above Louisiana avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 1.03% above avgNationally 2.66%
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
IRA Certificate 36 Months (3 Years)
$0
3.57%
▲ 1.00% above Louisiana avg
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 1.00% above avgNationally 2.66%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
36 Month Certificate
$0
3.50%
▲ 0.93% above Louisiana avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.93% above avgNationally 2.66%
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
36 months
$0
3.44%
▲ 0.87% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.87% above avgNationally 2.66%
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
IRA Certificate 36 month
$0
3.44%
▲ 0.87% above Louisiana avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.87% above avgNationally 2.66%
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
36-Month CD
$1,000
3.40%
▲ 0.83% above Louisiana avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.83% above avgNationally 2.66%
Details
Pays Monthly
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
36 months
$0
3.30%
▲ 0.73% above Louisiana avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.73% above avgNationally 2.66%
Details
Dividends credited quarterly
UCB Raceland, LA
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 Month Certificate
$1,000
3.25%
▲ 0.68% above Louisiana avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.68% above avgNationally 2.66%
Details
Annual Percentage Yield (APY) accurate as of 4/23/2026 and may change at any time. A $1,000 minimum deposit required to open and earn the stated APY. Interest on CDs longer than 12 months will be paid annually. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
36 Month IRA
$50
3.25%
▲ 0.68% above Louisiana avg
▼
Rate3.25%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.68% above avgNationally 2.66%
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
Share Certificate - 36 Months
$2,500
3.25%
▲ 0.68% above Louisiana avg
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.68% above avgNationally 2.66%
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
IRA Share Certificates 36 Months
$0
3.25%
▲ 0.68% above Louisiana avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.68% above avgNationally 2.66%
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
36-Month Certificate
$0
3.25%
▲ 0.68% above Louisiana avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.68% above avgNationally 2.66%
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
36 Month Expandable
$100
3.25%
▲ 0.68% above Louisiana avg
▼
Rate3.20%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.68% above avgNationally 2.66%
Details
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
36 Months
$500
3.25%
▲ 0.68% above Louisiana avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.68% above avgNationally 2.66%
Details
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
36 Month (3 Years) Certificate
$0
3.03%
▲ 0.46% above Louisiana avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.46% above avgNationally 2.66%
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
36 Month IRA
$250
3.03%
▲ 0.46% above Louisiana avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.46% above avgNationally 2.66%
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
36 Month CD
$2,500
3.00%
▲ 0.43% above Louisiana avg
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.43% above avgNationally 2.66%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
36 months
$0
2.90%
▲ 0.33% above Louisiana avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.33% above avgNationally 2.66%
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3 Year
$500
2.75%
▲ 0.18% above Louisiana avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.18% above avgNationally 2.66%
Details
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3 Years
$500
2.75%
▲ 0.18% above Louisiana avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.18% above avgNationally 2.66%
Details
Compounded / Credited: Monthly/Monthly
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Jumbo IRA & Share Certificate Accounts 3 Years
$0
2.75%
▲ 0.18% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.18% above avgNationally 2.66%
Details
Compounded / Credited: Monthly/Monthly
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
IRA 36 Months
$500
2.75%
▲ 0.18% above Louisiana avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.18% above avgNationally 2.66%
Details
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
IRA Certificates 36 months
$500
2.63%
▲ 0.06% above Louisiana avg
▼
Rate2.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▲ 0.06% above avgNationally 2.66%
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
I.R.A. 3-Year Fixed
$0
2.52%
▼ 0.05% below Louisiana avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 0.05% below avgNationally 2.66%
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
I.R.A. 3-Year Variable
$0
2.52%
▼ 0.05% below Louisiana avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 0.05% below avgNationally 2.66%
Details
Valex Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.18%
36 Month Share Certificate
$500
2.50%
▼ 0.07% below Louisiana avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 0.07% below avgNationally 2.66%
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
36 Months
$0
2.45%
▼ 0.12% below Louisiana avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 0.12% below avgNationally 2.66%
Details
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
36 Months
$0
2.42%
▼ 0.15% below Louisiana avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 0.15% below avgNationally 2.66%
Details
Minimum $1000.00 Share Certificates. Note: Early withdrawal penalties do apply to certificates.
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
Silver Share Certificates 3 Year
$500
2.37%
▼ 0.20% below Louisiana avg
▼
Rate2.34%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 0.20% below avgNationally 2.66%
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
3 years Bump Rate
$0
2.22%
▼ 0.35% below Louisiana avg
▼
Rate2.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 0.35% below avgNationally 2.66%
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
IRA Certificate Accounts 3 Year
$500
2.21%
▼ 0.36% below Louisiana avg
▼
Rate2.19%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 0.36% below avgNationally 2.66%
Details
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate 3-Year
$0
2.12%
▼ 0.45% below Louisiana avg
▼
Rate2.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 0.45% below avgNationally 2.66%
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
3 Year
$0
2.11%
▼ 0.46% below Louisiana avg
▼
Rate2.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 0.46% below avgNationally 2.66%
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.01%
3 Year Share Certificate
$500
2.11%
▼ 0.46% below Louisiana avg
▼
Rate2.09%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 0.46% below avgNationally 2.66%
Details
American Bank & Trust Company LA
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
36 Month CD
$1,000
2.07%
▼ 0.50% below Louisiana avg
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 0.50% below avgNationally 2.66%
Details
monthly check or transfer to account
American Bank & Trust Company LA
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
36 Month IRA
$250
2.07%
▼ 0.50% below Louisiana avg
▼
Rate2.05%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 0.50% below avgNationally 2.66%
Details
quarterly add-on
Eureka Homestead
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
3 Year Certificate
$1,000
2.00%
▼ 0.57% below Louisiana avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 0.57% below avgNationally 2.66%
Details
Early Withdrawal Penalty: 12 months; Interest Calculation Method: Compound Daily 365/365
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
IRA Accounts 3 Years
$1,000
2.00%
▼ 0.57% below Louisiana avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 0.57% below avgNationally 2.66%
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Business 36 Months
$0
1.00%
▼ 1.57% below Louisiana avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 1.57% below avgNationally 2.66%
Details
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
IRA Share Certificate 3 Years
$0
0.70%
▼ 1.87% below Louisiana avg
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 1.87% below avgNationally 2.66%
Details
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
3-Year Certificate
$0
0.60%
▼ 1.97% below Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 1.97% below avgNationally 2.66%
Details
Balance: $100,000+
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
36 Month
$0
0.50%
▼ 2.07% below Louisiana avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.57%▼ 2.07% below avgNationally 2.66%
Details
Garden City 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
48-Month Certificate
$0
4.15%
▲ 1.20% above Louisiana avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▲ 1.20% above avgNationally 2.65%
Details
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
4-Year Certificate
$500
4.00%
▲ 1.05% above Louisiana avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▲ 1.05% above avgNationally 2.65%
Details
Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Dividends are calculated on a daily balance method and are compounded and credited monthly.
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
IRA Certificate 48 Months (4 Years)
$0
4.00%
▲ 1.05% above Louisiana avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▲ 1.05% above avgNationally 2.65%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.86%
▲ 0.91% above Louisiana avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▲ 0.91% above avgNationally 2.65%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.71%
▲ 0.76% above Louisiana avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▲ 0.76% above avgNationally 2.65%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
48 Month Certificate
$0
3.60%
▲ 0.65% above Louisiana avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▲ 0.65% above avgNationally 2.65%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
48 Month Certificate
$0
3.50%
▲ 0.55% above Louisiana avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▲ 0.55% above avgNationally 2.65%
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
48 months
$0
3.44%
▲ 0.49% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▲ 0.49% above avgNationally 2.65%
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
IRA Certificate 48 month
$0
3.44%
▲ 0.49% above Louisiana avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▲ 0.49% above avgNationally 2.65%
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
48 months
$0
3.35%
▲ 0.40% above Louisiana avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▲ 0.40% above avgNationally 2.65%
Details
Dividends credited quarterly
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
48-Month Certificate
$0
3.25%
▲ 0.30% above Louisiana avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▲ 0.30% above avgNationally 2.65%
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48-Month CD
$10,000
3.05%
▲ 0.10% above Louisiana avg
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▲ 0.10% above avgNationally 2.65%
Details
New Money Only, Pays Monthly
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
48 Month Bump IRA
$250
3.03%
▲ 0.08% above Louisiana avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▲ 0.08% above avgNationally 2.65%
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
48 Month Bump CD
$2,500
3.00%
▲ 0.05% above Louisiana avg
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▲ 0.05% above avgNationally 2.65%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
48 months
$0
2.90%
▼ 0.05% below Louisiana avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▼ 0.05% below avgNationally 2.65%
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
4 Year
$500
2.85%
▼ 0.10% below Louisiana avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▼ 0.10% below avgNationally 2.65%
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
48 Month
$0
2.52%
▼ 0.43% below Louisiana avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▼ 0.43% below avgNationally 2.65%
Details
Compound: Quarterly
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
48 Months
$0
2.35%
▼ 0.60% below Louisiana avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▼ 0.60% below avgNationally 2.65%
Details
Eureka Homestead
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4 Year Certificate
$1,000
2.00%
▼ 0.95% below Louisiana avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▼ 0.95% below avgNationally 2.65%
Details
Early Withdrawal Penalty: 12 months; Interest Calculation Method: Compound Daily 365/365
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
IRA Accounts 4 Years
$1,000
2.00%
▼ 0.95% below Louisiana avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▼ 0.95% below avgNationally 2.65%
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Business 48 Months
$0
1.00%
▼ 1.95% below Louisiana avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.95%▼ 1.95% below avgNationally 2.65%
Details
Garden City 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
60-Month Certificate
$0
4.20%
▲ 1.57% above Louisiana avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 1.57% above avgNationally 2.76%
Details
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
60 months
$0
4.07%
▲ 1.44% above Louisiana avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 1.44% above avgNationally 2.76%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.97%
▲ 1.34% above Louisiana avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 1.34% above avgNationally 2.76%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month
$0
3.81%
▲ 1.18% above Louisiana avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 1.18% above avgNationally 2.76%
Details
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
5-Year Certificate
$500
3.75%
▲ 1.12% above Louisiana avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 1.12% above avgNationally 2.76%
Details
Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. Dividends are calculated on a daily balance method and are compounded and credited monthly.
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
60-Month CD
$10,000
3.75%
▲ 1.12% above Louisiana avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 1.12% above avgNationally 2.76%
Details
New Money Only, Pays Monthly
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
5 Years
$2,500
3.70%
▲ 1.07% above Louisiana avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 1.07% above avgNationally 2.76%
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
IRA Certificate 5 Years
$0
3.70%
▲ 1.07% above Louisiana avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 1.07% above avgNationally 2.76%
Details
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
IRA Certificates 5 Years
$500
3.70%
▲ 1.07% above Louisiana avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 1.07% above avgNationally 2.76%
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
IRA Certificate 60 Months (5 Years)
$0
3.64%
▲ 1.01% above Louisiana avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 1.01% above avgNationally 2.76%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
60 Month Certificate
$0
3.50%
▲ 0.87% above Louisiana avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 0.87% above avgNationally 2.76%
Details
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
60 months
$0
3.45%
▲ 0.82% above Louisiana avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 0.82% above avgNationally 2.76%
Details
Dividends credited quarterly
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
60 months
$0
3.44%
▲ 0.81% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 0.81% above avgNationally 2.76%
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
IRA Certificate 60 month
$0
3.44%
▲ 0.81% above Louisiana avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 0.81% above avgNationally 2.76%
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
Roth IRA - Variable Rate (60 mo)
$100
3.29%
▲ 0.66% above Louisiana avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 0.66% above avgNationally 2.76%
Details
UCB Raceland, LA
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 Month Certificate
$1,000
3.25%
▲ 0.62% above Louisiana avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 0.62% above avgNationally 2.76%
Details
Annual Percentage Yield (APY) accurate as of 4/23/2026 and may change at any time. A $1,000 minimum deposit required to open and earn the stated APY. Interest on CDs longer than 12 months will be paid annually. Unless instructed otherwise, the CD will automatically renew for the same term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000.
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
IRA Share Certificates 60 Months
$0
3.25%
▲ 0.62% above Louisiana avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 0.62% above avgNationally 2.76%
Details
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.64%
60-Month Certificate
$0
3.25%
▲ 0.62% above Louisiana avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 0.62% above avgNationally 2.76%
Details
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
60 Month (5 Years) Certificate
$0
3.03%
▲ 0.40% above Louisiana avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 0.40% above avgNationally 2.76%
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
60 Month Bump IRA
$250
3.03%
▲ 0.40% above Louisiana avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 0.40% above avgNationally 2.76%
Details
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
60 Month Bump CD
$2,500
3.00%
▲ 0.37% above Louisiana avg
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 0.37% above avgNationally 2.76%
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
5 Year
$500
2.95%
▲ 0.32% above Louisiana avg
▼
Rate2.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 0.32% above avgNationally 2.76%
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
CD - 5 Years
$1,000
2.79%
▲ 0.16% above Louisiana avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 0.16% above avgNationally 2.76%
Details
At the end of the term, CD will automatically renew to the current rate.
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
5 Years
$500
2.75%
▲ 0.12% above Louisiana avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 0.12% above avgNationally 2.76%
Details
Compounded / Credited: Monthly/Monthly
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Jumbo IRA & Share Certificate Accounts 5 Years
$0
2.75%
▲ 0.12% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 0.12% above avgNationally 2.76%
Details
Compounded / Credited: Monthly/Monthly
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
IRA 60-Month Certificate
$0
2.67%
▲ 0.04% above Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▲ 0.04% above avgNationally 2.76%
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
I.R.A. 5-Year Fixed
$0
2.52%
▼ 0.11% below Louisiana avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▼ 0.11% below avgNationally 2.76%
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
I.R.A. 5-Year Variable
$0
2.52%
▼ 0.11% below Louisiana avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▼ 0.11% below avgNationally 2.76%
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
60 Month
$0
2.52%
▼ 0.11% below Louisiana avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▼ 0.11% below avgNationally 2.76%
Details
Compound: Semi-Annual
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
Roth IRA - Fixed Rate (60 mo)
$1,000
2.52%
▼ 0.11% below Louisiana avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▼ 0.11% below avgNationally 2.76%
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
60 Months
$500
2.50%
▼ 0.13% below Louisiana avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▼ 0.13% below avgNationally 2.76%
Details
State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
5 years Bump Rate
$0
2.42%
▼ 0.21% below Louisiana avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▼ 0.21% below avgNationally 2.76%
Details
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate 5-Year
$0
2.27%
▼ 0.36% below Louisiana avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▼ 0.36% below avgNationally 2.76%
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
60 Months
$0
2.25%
▼ 0.38% below Louisiana avg
▼
Rate2.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▼ 0.38% below avgNationally 2.76%
Details
Eureka Homestead
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
5 Year Certificate
$1,000
2.00%
▼ 0.63% below Louisiana avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▼ 0.63% below avgNationally 2.76%
Details
Early Withdrawal Penalty: 12 months; Interest Calculation Method: Compound Daily 365/365
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
IRA Accounts 5 Years
$1,000
2.00%
▼ 0.63% below Louisiana avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▼ 0.63% below avgNationally 2.76%
Details
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
IRA Share Certificate 5 Years
$0
1.15%
▼ 1.48% below Louisiana avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▼ 1.48% below avgNationally 2.76%
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Business 60 Months
$0
1.00%
▼ 1.63% below Louisiana avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▼ 1.63% below avgNationally 2.76%
Details
Citizens National Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
60 Month
$0
0.70%
▼ 1.93% below Louisiana avg
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▼ 1.93% below avgNationally 2.76%
Details
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
5-Year Certificate
$0
0.70%
▼ 1.93% below Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▼ 1.93% below avgNationally 2.76%
Details
Balance: $100,000+
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
5-Year Certificate
$0
0.35%
▼ 2.28% below Louisiana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Louisiana Average2.63%▼ 2.28% below avgNationally 2.76%
Details
Balance: $2,000-$99,999
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Garden City, LA CD Rate Trends
Compare local Garden City, LA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — LA Avg
3.107%
▲ 0.364 vs 7 days ago
Louisiana 12-month CD rates rose 0.364 points over the past 7 days to 3.107% APY.
6-Month CD — LA Avg
2.929%
▲ 0.439 vs 7 days ago
Louisiana 6-month CD rates rose 0.439 points over the past 7 days to 2.929% APY.
As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
LA CD Rate Forecast — Next 12 Months
Where are Louisiana CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
LA 12-Month Avg APY
3.107%
6-Month Forecast
3.107%
Range: 2.91% – 3.26%
12-Month Forecast
2.857%
Range: 2.66% – 3.01%
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 | 2.077% | $103.85 | $207.70 | $519.25 | $1,038.50 |
| 6-Month CD | 2.929% | $146.44 | $292.88 | $732.20 | $1,464.40 |
| 12-Month CD | 3.107% | $155.35 | $310.69 | $776.73 | $1,553.45 |
| 18-Month CD | 2.937% | $146.85 | $293.70 | $734.25 | $1,468.50 |
| 24-Month CD | 2.707% | $135.35 | $270.69 | $676.73 | $1,353.45 |
| 36-Month CD | 2.574% | $128.70 | $257.40 | $643.50 | $1,287.00 |
| 48-Month CD | 2.953% | $147.65 | $295.29 | $738.23 | $1,476.45 |
| 60-Month CD | 2.631% | $131.57 | $263.14 | $657.85 | $1,315.70 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
Sample CD Ladder for Garden City, Louisiana Savers
$25,000 split equally across 5 terms using today’s Louisiana average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | LA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.077% | $103.85 |
| 2 | 6-Month CD | $5,000 | 2.929% | $146.44 |
| 3 | 12-Month CD | $5,000 | 3.107% | $155.35 |
| 4 | 24-Month CD | $5,000 | 2.707% | $135.35 |
| 5 | 36-Month CD | $5,000 | 2.574% | $128.70 |
| Total ($25,000 invested) | $25,000 | 2.679% blended | $669.69/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.
308
CD Rates
Tracked in Garden City, Louisiana
Tracked in Garden City, Louisiana
19 Banks
31 Credit Unions
About Our Garden City, Louisiana CD Rate Database
MonitorBankRates tracks 308 CD rates from 19 banks and 31 credit unions with locations in Garden City, Louisiana, plus national online institutions available to Louisiana residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: GEISMAR COMPLEX offers a CD at 4.33% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Garden City, Louisiana.
How to Find the Best CD Rates in Garden City, Louisiana
What to compare when shopping for a CD in Garden City, Louisiana
To find the best APYs in Garden City, Louisiana, start with credit unions and online-only banks — Garden City, Louisiana has 31 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 Garden City, 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 Garden City, Louisiana — 50 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Garden City, Louisiana savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare Garden City, Louisiana money market rates
Louisiana Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
16.7%
National avg: 17.3%
Median Individual Earnings
$40,534
National avg: $47,340
Poverty Rate
18.9%
National avg: 11.1%
Unemployment Rate
6.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$126/yr
At LA 12-mo avg 3.107% APY
16.7% of residents are 65 or older — below the national average of 17.3%. At today’s LA 12-month CD average of 3.107%, saving 10% of the local median salary ($4,053/year) and putting it in a CD would earn an additional $126 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 Garden City, Louisiana
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Garden City, 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 Garden City, 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 Garden City, Louisiana as everywhere in the U.S.
Choosing a CD Term in Garden City, 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 Garden City, Louisiana savers easier access to their funds. For example, Red River Employees Federal Credit Union is offering its 6 Month TEAL Certificate (Age 0-17) at 4.07% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ANECA Federal Credit Union is offering its 60-Month Certificate at 4.20% 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 Garden City, 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 Garden City, 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 Garden City, 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 Garden City, 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 Garden City, Louisiana
Most CDs carry a fixed rate that is locked for the entire term, protecting a Garden City, 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 Garden City, Louisiana
Are CD rates in Garden City, Louisiana FDIC insured?
Yes, most established banks in Garden City, 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 Garden City, 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 Garden City, 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 Garden City, 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 Garden City, Louisiana?
Here are recent top rates found for this area:
- GEISMAR COMPLEX: 4.33% APY (1 YEAR CERTIFICATE)
- Crescent Bank: 4.25% APY (24-month CD)
- ANECA Federal Credit Union: 4.20% APY (60-Month Certificate)
- Noda Federal Credit Union: 4.07% APY (36 months)
- Red River Employees Federal Credit Union: 4.07% APY (6 Month TEAL Certificate (Age 0-17))
- Baton Rouge Telco Federal Credit Union: 4.00% APY (1-Year Certificate)
- Neighbors Federal Credit Union: 4.00% APY (IRA Certificate 48 Months (4 Years))
- Chevron Federal Credit Union: 4.00% APY (12 Month Certificate)
- Northrop Grumman Federal Credit Union: 3.97% APY (Bonus IRA Certificates 60 Month)
- Access Of Louisiana Federal Credit Union: 3.91% APY (Silver Share Certificates 1 Year)
Rates reflect recent verified offers available in Garden City, Louisiana. Last Updated: August 28, 2026
Garden City, 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 Garden City, Louisiana rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Garden City, Louisiana
Garden City, Louisiana CD Calculator
At today’s LA top rate of 4.33% APY, a $10,000 deposit earns $433 in the first year. Enter your amount to see your exact return.
Garden City, Louisiana CD LadderLA CD rates currently range from 2.077% (3-month) to 2.574% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Garden City, Louisiana CD at 4.33% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsLouisiana’s average 12-month CD is 3.107% 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 Garden City, 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 Garden City, 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 Garden City, 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: August 28, 2026
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