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CD Rate Trends

Minden, Louisiana Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 31, 2026

Minden, Louisiana CD rates range from 0.05% to 4.95% APY, verified by MonitorBankRates as of October 31, 2026. Current Minden, Louisiana CD rates include Carter Federal Credit UnionCarter Federal Credit Union918 Homer Rd, Minden, LA 71055C-3.8 ★Texas Ratio: 29.75%Real return: +0.55%APY minus CPIRate verified Oct 28, 2026 offering Share Certificate/IRA Share Certificate - 36 months at 4.25% APY, Barksdale Federal Credit UnionBarksdale Federal Credit Union105 Richards Way, Minden, LA 71055A5.0 ★Texas Ratio: 11.05%Real return: +0.55%APY minus CPIRate verified Oct 28, 2026 offering Certificate Account - 24 Months at 4.25% APY, Capital One BankCapital One Bank618 Main St, Minden, LA 71055A5.0 ★Texas Ratio: 7.00%Real return: +0.30%APY minus CPIRate verified Oct 31, 2026 offering 1-year online CDs at 4.00% APY, Bonvenu BankBonvenu Bank1176 Homer Rd, Minden, LA 71055A+5.0 ★Texas Ratio: 0.95%Real return: -0.15%APY minus CPIRate verified Oct 31, 2026 offering Personal or Business Certificate of Deposit Products - 6 Months at 3.55% APY, and Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MSA5.0 ★Texas Ratio: 7.78%Real return: +1.25%APY minus CPIRate verified Oct 29, 2026 offering 60 Month Jumbo Share Certificates (CDs) at 4.95% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.

Minden has 47 local institutions in our database, with CD rates as high as 4.25% APY from Carter Federal Credit Union at 918 Homer Rd, Minden, LA 71055. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Louisiana area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 31, 2026

Compare Best CD Rates in Minden, Louisiana & the Surrounding Area

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

Minden 3 Month CD Rates

Louisiana 3 Month CD Average2.35% APYNational 2.13%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1176 Homer Rd, Minden, LA 71055
Personal or Business Certificate of Deposit Products - 3 Months
$0
2.52% ▲ 0.17% above Louisiana avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average2.35%▲ 0.17% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 14, 2026 · 2.52% APY · checked 6 times
2.02%2.52%3.02%Oct 14, 2026: 2.52% APYOct 14, 2026Oct 31, 2026
CUSA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3 Month Share & IRA Certificates of Deposit
$1,000
3.85% ▲ 1.50% above Louisiana avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average2.35%▲ 1.50% above avgNationally 2.13%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 14, 2026: 3.50% APYOct 4, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20263.85%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3-Month Certificate
$500
3.76% ▲ 1.41% above Louisiana avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average2.35%▲ 1.41% above avgNationally 2.13%
Details

Rate History
1 change since Sep 25, 2026 · 3.50% → 3.76% ▲ 0.26 pts · high 3.76% / low 3.50%
3.00%3.63%4.26%Sep 25, 2026: 3.50% APYOct 4, 2026: 3.76% APYSep 25, 2026Oct 31, 2026
  • Oct 4, 20263.76%▲ from 3.50%
  • Sep 25, 20263.50%first recorded
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
3 Month Share Certificate
$0
3.72% ▲ 1.37% above Louisiana avg
View
▼
Rate3.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average2.35%▲ 1.37% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 15, 2026 · 3.72% APY · checked 3 times
3.22%3.72%4.22%Oct 15, 2026: 3.72% APYOct 15, 2026Oct 31, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
IRA 3 Month Certificate
$0
3.72% ▲ 1.37% above Louisiana avg
View
▼
Rate3.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average2.35%▲ 1.37% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 23, 2026 · 3.72% APY · checked 2 times
3.22%3.72%4.22%Oct 23, 2026: 3.72% APYOct 23, 2026Oct 31, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificates of Deposit
$0
3.50% ▲ 1.15% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average2.35%▲ 1.15% above avgNationally 2.13%
Details

Minimum Balance $500

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 31, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 3 months
$0
3.50% ▲ 1.15% above Louisiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average2.35%▲ 1.15% above avgNationally 2.13%
Details

Accurate as of 09/30/2026

Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Oct 2, 2026: 3.50% APYOct 2, 2026Oct 31, 2026
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
3 Month Certificate
$1,000
3.50% ▲ 1.15% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average2.35%▲ 1.15% above avgNationally 2.13%
Details

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

Rate History
No change since Sep 11, 2026 · 3.50% APY · checked 10 times
3.00%3.50%4.00%Sep 11, 2026: 3.50% APYSep 11, 2026Oct 31, 2026
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Certificate Account - 3 Months
$1,000
3.50% ▲ 1.15% above Louisiana avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Louisiana Average2.35%▲ 1.15% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 31, 2026
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Certificate Accounts - 3 Months
$1,000
3.50% ▲ 1.15% above Louisiana avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Louisiana Average2.35%▲ 1.15% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 31, 2026
Fifth District Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
IRA Account - 3 Months
$1,000
3.50% ▲ 1.15% above Louisiana avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Louisiana Average2.35%▲ 1.15% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 31, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month Share Certificate
$500
3.50% ▲ 1.15% above Louisiana avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average2.35%▲ 1.15% above avgNationally 2.13%
Details

Minimum Deposit $500

Rate History
1 change since Oct 5, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Oct 5, 2026: 3.30% APYOct 13, 2026: 3.50% APYOct 5, 2026Oct 31, 2026
  • Oct 13, 20263.50%▲ from 3.30%
  • Oct 5, 20263.30%first recorded
First American Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
3 Month CD
$1,000
3.44% ▲ 1.09% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average2.35%▲ 1.09% above avgNationally 2.13%
Details

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

Rate History
No change since Sep 8, 2026 · 3.44% APY · checked 14 times
2.94%3.44%3.94%Sep 8, 2026: 3.44% APYSep 8, 2026Oct 31, 2026
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
3 Month Share Certificates
$0
3.15% ▲ 0.80% above Louisiana avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average2.35%▲ 0.80% above avgNationally 2.13%
Details

Term: 3 Months (Super Jumbo); Super Jumbo; Balance: $25,000 - $100,000

Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Oct 14, 2026: 3.15% APYOct 14, 2026Oct 31, 2026
Resource Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3-Month Online CD
$1,000
3.03% ▲ 0.68% above Louisiana avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average2.35%▲ 0.68% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.03% APY · checked 4 times
2.53%3.03%3.53%Oct 22, 2026: 3.03% APYOct 22, 2026Oct 31, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 3 Month
$0
2.94% ▲ 0.59% above Louisiana avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average2.35%▲ 0.59% above avgNationally 2.13%
Details

Rate History
No change since Oct 20, 2026 · 2.94% APY · checked 3 times
2.44%2.94%3.44%Oct 20, 2026: 2.94% APYOct 20, 2026Oct 31, 2026
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
3 Month Share Certificates
$0
2.89% ▲ 0.54% above Louisiana avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average2.35%▲ 0.54% above avgNationally 2.13%
Details

Jumbo; Balance: $15,000 - $24,999.99

Rate History
No change since Oct 14, 2026 · 2.89% APY · checked 3 times
2.39%2.89%3.39%Oct 14, 2026: 2.89% APYOct 14, 2026Oct 31, 2026
Formation Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3 Month Share Certificate
$0
2.75% ▲ 0.40% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average2.35%▲ 0.40% above avgNationally 2.13%
Details

Compound method: 2

Rate History
No change since Oct 23, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 23, 2026: 2.75% APYOct 23, 2026Oct 31, 2026
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
90 Day Fixed Rate CD
$500
2.70% ▲ 0.35% above Louisiana avg
View
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average2.35%▲ 0.35% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 11 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 31, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Regular, IRA & Business Jumbo Certificates
$0
2.65% ▲ 0.30% above Louisiana avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average2.35%▲ 0.30% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 2.65% APY · checked 4 times
2.15%2.65%3.15%Oct 14, 2026: 2.65% APYOct 14, 2026Oct 31, 2026
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
3 Month Share Certificates
$0
2.63% ▲ 0.28% above Louisiana avg
View
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average2.35%▲ 0.28% above avgNationally 2.13%
Details

Term: 3 Months (Mini-Jumbo); Mini-Jumbo; Balance: $5,000 - $14,999.99

Rate History
No change since Oct 14, 2026 · 2.63% APY · checked 3 times
2.13%2.63%3.13%Oct 14, 2026: 2.63% APYOct 14, 2026Oct 31, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Regular, IRA & Business Junior Jumbo Certificates
$0
2.55% ▲ 0.20% above Louisiana avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average2.35%▲ 0.20% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 2.55% APY · checked 4 times
2.05%2.55%3.05%Oct 14, 2026: 2.55% APYOct 14, 2026Oct 31, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Regular, IRA & Business Certificates
$0
2.45% ▲ 0.10% above Louisiana avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average2.35%▲ 0.10% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 2.45% APY · checked 4 times
1.95%2.45%2.95%Oct 14, 2026: 2.45% APYOct 14, 2026Oct 31, 2026
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
3 Month Share Certificates
$0
2.38% ▲ 0.03% above Louisiana avg
View
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average2.35%▲ 0.03% above avgNationally 2.13%
Details

Balance: $500 - $4,999.99

Rate History
No change since Oct 6, 2026 · 2.38% APY · checked 6 times
1.88%2.38%2.88%Oct 6, 2026: 2.38% APYOct 6, 2026Oct 31, 2026
Planters Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
Time Deposits Maturing < 1 Year - 3 Month
$500
2.02% ▼ 0.33% below Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average2.35%▼ 0.33% below avgNationally 2.13%
Details

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

Rate History
No change since Oct 22, 2026 · 2.02% APY · checked 4 times
1.52%2.02%2.52%Oct 22, 2026: 2.02% APYOct 22, 2026Oct 31, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificate of Deposit - 3 Month
$500
2.00% ▼ 0.35% below Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average2.35%▼ 0.35% below avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 31, 2026
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Share Certificate - 90 Days
$1,500
1.90% ▼ 0.45% below Louisiana avg
View
▼
Rate1.88%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average2.35%▼ 0.45% below avgNationally 2.13%
Details

Rates as of 06/02/2025

Rate History
No change since Oct 23, 2026 · 1.90% APY · checked 2 times
1.40%1.90%2.40%Oct 23, 2026: 1.90% APYOct 23, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
90 Day Certificate of Deposit
$2,500
1.75% ▼ 0.60% below Louisiana avg
View
▼
Rate1.74%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average2.35%▼ 0.60% below avgNationally 2.13%
Details

Rate History
No change since Oct 21, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 21, 2026: 1.75% APYOct 21, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Business Certificates of Deposit - 90 Days
$2,500
1.75% ▼ 0.60% below Louisiana avg
View
▼
Rate1.74%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average2.35%▼ 0.60% below avgNationally 2.13%
Details

Rate History
No change since Oct 21, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 21, 2026: 1.75% APYOct 21, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Certificates of Deposit - 90 Days
$2,500
1.75% ▼ 0.60% below Louisiana avg
View
▼
Rate1.74%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average2.35%▼ 0.60% below avgNationally 2.13%
Details

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

Rate History
No change since Oct 21, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 21, 2026: 1.75% APYOct 21, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.55% ▼ 0.80% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average2.35%▼ 0.80% below avgNationally 2.13%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 1.55% APY · checked 3 times
1.05%1.55%2.05%Oct 20, 2026: 1.55% APYOct 20, 2026Oct 31, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Certificates of Deposits - 3 Month
$2,500
1.51% ▼ 0.84% below Louisiana avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average2.35%▼ 0.84% below avgNationally 2.13%
Details

Compound: At Maturity

Rate History
No change since Oct 21, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Oct 21, 2026: 1.51% APYOct 21, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.50% ▼ 0.85% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average2.35%▼ 0.85% below avgNationally 2.13%
Details

Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 31, 2026
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
Term Share Certificate - 3 Month
$0
1.30% ▼ 1.05% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average2.35%▼ 1.05% below avgNationally 2.13%
Details

Rate History
No change since Oct 5, 2026 · 1.30% APY · checked 4 times
0.80%1.30%1.80%Oct 5, 2026: 1.30% APYOct 5, 2026Oct 31, 2026
Bayou Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
3-Month Certificate
$500
0.99% ▼ 1.36% below Louisiana avg
View
▼
Rate0.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average2.35%▼ 1.36% below avgNationally 2.13%
Details

Pays Monthly

Rate History
No change since Sep 14, 2026 · 0.99% APY · checked 11 times
0.49%0.99%1.49%Sep 14, 2026: 0.99% APYSep 14, 2026Oct 31, 2026
American Bank & Trust Company LA
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
90 Day CD
$1,000
0.65% ▼ 1.70% below Louisiana avg
View
▼
Rate0.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average2.35%▼ 1.70% below avgNationally 2.13%
Details

Rate History
No change since Sep 7, 2026 · 0.65% APY · checked 12 times
0.15%0.65%1.15%Sep 7, 2026: 0.65% APYSep 7, 2026Oct 31, 2026
Bossier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
Share Certificates - 3 Months
$0
0.25% ▼ 2.10% below Louisiana avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average2.35%▼ 2.10% below avgNationally 2.13%
Details

Rate History
No change since Oct 19, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Oct 19, 2026: 0.25% APYOct 19, 2026Oct 31, 2026
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Personal Certificates of Deposit - 90 Days
$1,000
0.10% ▼ 2.25% below Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average2.35%▼ 2.25% below avgNationally 2.13%
Details

Interest Credited: Maturity

Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Oct 14, 2026: 0.10% APYOct 14, 2026Oct 31, 2026
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
90 Day Regular CD Account
$0
0.05% ▼ 2.30% below Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average2.35%▼ 2.30% below avgNationally 2.13%
Details

Type: Regular; Next Steps: Open Now

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 31, 2026

Minden 6 Month CD Rates

Louisiana 6 Month CD Average3.16% APYNational 2.79%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
918 Homer Rd, Minden, LA 71055
Share Certificate/IRA Share Certificate - 6 months
$1,000
4.00% ▲ 0.84% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 0.84% above avgNationally 2.79%
Details

Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 31, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
Certificate Account - 6 Months
$1,000
4.00% ▲ 0.84% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 0.84% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1176 Homer Rd, Minden, LA 71055
Personal or Business Certificate of Deposit Products - 6 Months
$0
3.55% ▲ 0.39% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.16%▲ 0.39% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 31, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
6 Month 360 CD
$0
3.30% ▲ 0.14% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.16%▲ 0.14% above avgNationally 2.79%
Details

Rate History
No change since Oct 20, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 20, 2026: 3.30% APYOct 20, 2026Oct 31, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month TEAL Certificate
$250
4.33% ▲ 1.17% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 1.17% above avgNationally 2.79%
Details

Ages: 13-17; Dividends Credited/Compounded: Monthly; $250 minimum

Rate History
No change since Oct 12, 2026 · 4.33% APY · checked 3 times
3.83%4.33%4.83%Oct 12, 2026: 4.33% APYOct 12, 2026Oct 31, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6-Month TEAL Certificate for Teens
$250
4.33% ▲ 1.17% above Louisiana avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 1.17% above avgNationally 2.79%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 4, 2026: 4.33% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 6 Months
$500
4.33% ▲ 1.17% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 1.17% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 3 times
3.83%4.33%4.83%Oct 15, 2026: 4.33% APYOct 15, 2026Oct 31, 2026
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Share Certificate
$1,000
4.33% ▲ 1.17% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.16%▲ 1.17% above avgNationally 2.79%
Details

Rate tier: Base Rate + 1.25%; Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 4 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 31, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
6-Month Regular Certificate or IRA Certificate
$10,000
4.25% ▲ 1.09% above Louisiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 1.09% above avgNationally 2.79%
Details

Deposit: $10,000+

Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
6 Month Jumbo IRA Certificates
$0
4.20% ▲ 1.04% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 1.04% above avgNationally 2.79%
Details

Rate History
No change since Sep 20, 2026 · 4.20% APY · checked 8 times
3.70%4.20%4.70%Sep 20, 2026: 4.20% APYSep 20, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
6 Month IRA Certificates
$0
4.10% ▲ 0.94% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 0.94% above avgNationally 2.79%
Details

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
6 Month Jumbo Certificates
$0
4.10% ▲ 0.94% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 0.94% above avgNationally 2.79%
Details

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Oct 31, 2026
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Share Certificate
$1,000
4.07% ▲ 0.91% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.16%▲ 0.91% above avgNationally 2.79%
Details

Rate tier: Base Rate + 1.00%; Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 31, 2026
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
6 Month IRA
$250
4.06% ▲ 0.90% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Louisiana Average3.16%▲ 0.90% above avgNationally 2.79%
Details

Rate History
1 change since Sep 24, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 24, 2026: 3.80% APYOct 8, 2026: 4.06% APYSep 24, 2026Oct 31, 2026
  • Oct 8, 20264.06%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
Fidelity Bank New Orleans, LA
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Pick-Your-Term CD/IRA Special
$1,000
4.05% ▲ 0.89% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 0.89% above avgNationally 2.79%
Details

Choice of terms: 6 month or 12 month; Deposit minimum $1,000; New or Current Money; Early withdrawals are subject to penalty

Rate History
No change since Oct 28, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 28, 2026: 4.05% APYOct 28, 2026Oct 31, 2026
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
6 Month CD
$2,500
4.04% ▲ 0.88% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Louisiana Average3.16%▲ 0.88% above avgNationally 2.79%
Details

Rate History
1 change since Sep 24, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
3.29%3.92%4.54%Sep 24, 2026: 3.79% APYOct 8, 2026: 4.04% APYSep 24, 2026Oct 31, 2026
  • Oct 8, 20264.04%▲ from 3.79%
  • Sep 24, 20263.79%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
6 Month Youth Certificate
$1,000
4.00% ▲ 0.84% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 0.84% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 31, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
6-Month Regular Certificate or IRA Certificate
$2,000
4.00% ▲ 0.84% above Louisiana avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 0.84% above avgNationally 2.79%
Details

Deposit: $2,000-$9,999

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
6 Month Share Certificates
$0
4.00% ▲ 0.84% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 0.84% above avgNationally 2.79%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 31, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
6-Month Certificate
$500
4.00% ▲ 0.84% above Louisiana avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 0.84% above avgNationally 2.79%
Details

Rate History
1 change since Sep 25, 2026 · 3.82% → 4.00% ▲ 0.18 pts · high 4.00% / low 3.82%
3.32%3.91%4.50%Sep 25, 2026: 3.82% APYOct 4, 2026: 4.00% APYSep 25, 2026Oct 31, 2026
  • Oct 4, 20264.00%▲ from 3.82%
  • Sep 25, 20263.82%first recorded
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Share Certificate - 6 Months
$0
3.90% ▲ 0.74% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.16%▲ 0.74% above avgNationally 2.79%
Details

Balance: $1,000+; Step-Up Option: Available (table lists three Available entries for five terms)

Rate History
No change since Oct 26, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 26, 2026: 3.90% APYOct 26, 2026Oct 31, 2026
Landmark Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.80%
6-Month CD
$0
3.85% ▲ 0.69% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.16%▲ 0.69% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 14, 2026: 3.60% APYOct 26, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20263.85%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Share Certificate
$500
3.85% ▲ 0.69% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.16%▲ 0.69% above avgNationally 2.79%
Details

Minimum Deposit $500

Rate History
1 change since Oct 5, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Oct 5, 2026: 3.50% APYOct 13, 2026: 3.85% APYOct 5, 2026Oct 31, 2026
  • Oct 13, 20263.85%▲ from 3.50%
  • Oct 5, 20263.50%first recorded
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
6 Month Share Certificate
$0
3.82% ▲ 0.66% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 0.66% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 15, 2026: 3.82% APYOct 15, 2026Oct 31, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
IRA 6 Month Certificate
$0
3.82% ▲ 0.66% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 0.66% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 23, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 23, 2026: 3.82% APYOct 23, 2026Oct 31, 2026
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Share Certificate
$1,000
3.82% ▲ 0.66% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.16%▲ 0.66% above avgNationally 2.79%
Details

Rate tier: Base Rate + 0.75%; Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 31, 2026
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6-Month CD
$1,000
3.81% ▲ 0.65% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.16%▲ 0.65% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 9 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 31, 2026
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
6 Month Share Certificates
$0
3.80% ▲ 0.64% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 0.64% above avgNationally 2.79%
Details

% As High As; APY*

Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 31, 2026
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Share Certificate - 6 months
$0
3.80% ▲ 0.64% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 0.64% above avgNationally 2.79%
Details

As High As

Rate History
No change since Oct 23, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 23, 2026: 3.80% APYOct 23, 2026Oct 31, 2026
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Share Certificates - 6 month
$0
3.80% ▲ 0.64% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 0.64% above avgNationally 2.79%
Details

Rate History
1 change since Sep 12, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 12, 2026: 3.65% APYOct 8, 2026: 3.80% APYSep 12, 2026Oct 31, 2026
  • Oct 8, 20263.80%▲ from 3.65%
  • Sep 12, 20263.65%first recorded
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
6 Month Certificate of Deposit
$500
3.80% ▲ 0.64% above Louisiana avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.16%▲ 0.64% above avgNationally 2.79%
Details

Dividends Paid: Monthly

Rate History
1 change since Sep 14, 2026 · 2.45% → 3.80% ▲ 1.35 pts · high 3.80% / low 2.45%
1.10%3.13%5.15%Sep 14, 2026: 2.45% APYOct 30, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
  • Oct 30, 20263.80%▲ from 2.45%
  • Sep 14, 20262.45%first recorded
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
Certificates of Deposit - 6 months
$500
3.80% ▲ 0.64% above Louisiana avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.16%▲ 0.64% above avgNationally 2.79%
Details

Dividends Paid: Monthly; Penalty for early withdrawal

Rate History
1 change since Oct 19, 2026 · 2.45% → 3.80% ▲ 1.35 pts · high 3.80% / low 2.45%
1.10%3.13%5.15%Oct 19, 2026: 2.45% APYOct 30, 2026: 3.80% APYOct 19, 2026Oct 31, 2026
  • Oct 30, 20263.80%▲ from 2.45%
  • Oct 19, 20262.45%first recorded
Sevenfold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
6 Month Share Certificate
$10,000
3.75% ▲ 0.59% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 0.59% above avgNationally 2.79%
Details

Balance: $10,000.01 and over; Dividends credited monthly; APY fixed for term; Early withdrawal penalty may apply

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 31, 2026
Sevenfold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
Share Certificate 6 months
$0
3.75% ▲ 0.59% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 0.59% above avgNationally 2.79%
Details

Balance: $1,000.00 - $10,000.00; Dividends credited monthly; APY fixed for the term of the certificate; Early withdrawal penalty may apply

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 31, 2026
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Share & IRA Certificate - 6-Month Certificate
$1,000
3.75% ▲ 0.59% above Louisiana avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.16%▲ 0.59% above avgNationally 2.79%
Details

Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 23, 2026: 3.75% APYOct 23, 2026Oct 31, 2026
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Jumbo Share Certificates - 6 Months
$50,000
3.75% ▲ 0.59% above Louisiana avg
View
▼
Rate3.68%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.16%▲ 0.59% above avgNationally 2.79%
Details

Minimum balance to open is $50,000; Rates as of 06/02/2025

Rate History
No change since Oct 5, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Oct 5, 2026: 3.75% APYOct 5, 2026Oct 31, 2026
Centric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
Regular Certificate - 6 Months
$0
3.75% ▲ 0.59% above Louisiana avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.16%▲ 0.59% above avgNationally 2.79%
Details

Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
SOUTHERN TEACHERS and PARENTS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Share Term Certificate - 6 months
$0
3.75% ▲ 0.59% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.16%▲ 0.59% above avgNationally 2.79%
Details

Rates effective as of 12/17/2025

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 31, 2026
UCB Raceland, LA
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
6 Month Certificate
$1,000
3.73% ▲ 0.57% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.16%▲ 0.57% above avgNationally 2.79%
Details

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

Rate History
No change since Sep 11, 2026 · 3.73% APY · checked 10 times
3.23%3.73%4.23%Sep 11, 2026: 3.73% APYSep 11, 2026Oct 31, 2026
CUSA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
6 Month Share & IRA Certificates of Deposit
$1,000
3.70% ▲ 0.54% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.16%▲ 0.54% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35%
2.85%3.53%4.20%Sep 14, 2026: 3.35% APYOct 4, 2026: 3.70% APYSep 14, 2026Oct 31, 2026
  • Oct 4, 20263.70%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 6 Month
$0
3.66% ▲ 0.50% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.16%▲ 0.50% above avgNationally 2.79%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 23, 2026: 3.66% APYOct 23, 2026Oct 31, 2026
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
6 Month Share Certificate
$0
3.65% ▲ 0.49% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.16%▲ 0.49% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
IRA Certificate - 6 Months
$500
3.65% ▲ 0.49% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.16%▲ 0.49% above avgNationally 2.79%
Details

IRA Certificate (Traditional or Roth); $500 minimum deposit; Early Withdrawal penalty: 30 days of dividends earned or all dividends earned, whichever is least

Rate History
No change since Oct 26, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 26, 2026: 3.65% APYOct 26, 2026Oct 31, 2026
Bayou Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6-Month Certificate
$1,000
3.65% ▲ 0.49% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.16%▲ 0.49% above avgNationally 2.79%
Details

Pays Monthly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 11 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 31, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6 Month CD
$500
3.60% ▲ 0.44% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.16%▲ 0.44% above avgNationally 2.79%
Details

Not available in: Alaska, California, GA, Hawaii, Illinois, Maine, Massachusetts, Montana, New Hampshire, New York, Rhode Island, Vermont

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
3.00%3.55%4.10%Sep 14, 2026: 3.50% APYOct 22, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
  • Oct 22, 20263.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 6 months
$0
3.60% ▲ 0.44% above Louisiana avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.16%▲ 0.44% above avgNationally 2.79%
Details

Accurate as of 09/30/2026

Rate History
No change since Oct 2, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Oct 2, 2026: 3.60% APYOct 2, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
6 Month CDVantage CD
$100,000
3.60% ▲ 0.44% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.16%▲ 0.44% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 21, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 21, 2026: 3.60% APYOct 21, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
CDVantage CD - 6 Months
$100,000
3.60% ▲ 0.44% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.16%▲ 0.44% above avgNationally 2.79%
Details

Interest Frequency: Monthly; Nationally sourced CD offering via CDVantage

Rate History
No change since Oct 21, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 21, 2026: 3.60% APYOct 21, 2026Oct 31, 2026
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
6-Month Certificate
$0
3.60% ▲ 0.44% above Louisiana avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.16%▲ 0.44% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.60% ▼ 0.20 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.80% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
  • Sep 18, 20263.60%▼ from 3.80%
  • Sep 14, 20263.80%first recorded
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
Share Certificates - 6-Month Certificate
$1,000
3.60% ▲ 0.44% above Louisiana avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.16%▲ 0.44% above avgNationally 2.79%
Details

Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 31, 2026

Minden 12 Month CD Rates

Louisiana 12 Month CD Average3.45% APYNational 3.01%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
Plus Point Certificate - 12 Months
$1,000
4.25% ▲ 0.80% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.45%▲ 0.80% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
918 Homer Rd, Minden, LA 71055
Share Certificate/IRA Share Certificate - 12 months
$1,000
4.10% ▲ 0.65% above Louisiana avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.45%▲ 0.65% above avgNationally 3.01%
Details

Rate History
No change since Oct 23, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 23, 2026: 4.10% APYOct 23, 2026Oct 31, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
1-year online CDs
$0
4.00% ▲ 0.55% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.45%▲ 0.55% above avgNationally 3.01%
Details

CD rates fixed upon opening; no minimum deposit required

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
12 Month 360 CD
$0
4.00% ▲ 0.55% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.45%▲ 0.55% above avgNationally 3.01%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
Certificate Account - 12 Months
$1,000
4.00% ▲ 0.55% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.45%▲ 0.55% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
IRA Certificate 12 Months
$1,000
4.00% ▲ 0.55% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.45%▲ 0.55% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1176 Homer Rd, Minden, LA 71055
IRA 12 Month
$0
3.03% ▼ 0.42% below Louisiana avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.45%▼ 0.42% below avgNationally 3.01%
Details

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

Rate History
No change since Oct 20, 2026 · 3.03% APY · checked 5 times
2.53%3.03%3.53%Oct 20, 2026: 3.03% APYOct 20, 2026Oct 31, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1176 Homer Rd, Minden, LA 71055
Personal or Business Certificate of Deposit Products - 12 Months
$0
3.03% ▼ 0.42% below Louisiana avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.45%▼ 0.42% below avgNationally 3.01%
Details

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

Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Oct 14, 2026: 3.03% APYOct 14, 2026Oct 31, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
12 Month Jumbo Share Certificates (CDs)
$1,000
4.53% ▲ 1.08% above Louisiana avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 1.08% above avgNationally 3.01%
Details

Jumbo rate; standard jumbo rates available on deposits of $95,000 or more

Rate History
No change since Oct 26, 2026 · 4.53% APY · checked 2 times
4.03%4.53%5.03%Oct 26, 2026: 4.53% APYOct 26, 2026Oct 31, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
12-Month Regular Certificate or IRA Certificate
$10,000
4.40% ▲ 0.95% above Louisiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.45%▲ 0.95% above avgNationally 3.01%
Details

Deposit: $10,000+

Rate History
No change since Oct 12, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 12, 2026: 4.40% APYOct 12, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 0.90% above Louisiana avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.45%▲ 0.90% above avgNationally 3.01%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 8 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 31, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$0
4.35% ▲ 0.90% above Louisiana avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.90% above avgNationally 3.01%
Details

Rate Effective Date: October 29, 2026

Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 31, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 12 Months
$500
4.33% ▲ 0.88% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.45%▲ 0.88% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 3 times
3.83%4.33%4.83%Oct 15, 2026: 4.33% APYOct 15, 2026Oct 31, 2026
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12 Month Share Certificate
$1,000
4.33% ▲ 0.88% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.88% above avgNationally 3.01%
Details

Rate tier: Base Rate + 1.25%; Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 4 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 31, 2026
Geismar Complex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
1 Year Certificate
$500
4.33% ▲ 0.88% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.45%▲ 0.88% above avgNationally 3.01%
Details

Certificate Rates - Effective Thursday, October 29, 2026

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 11 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 31, 2026
Internal Revenue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
12 Month TSA
$1,000
4.32% ▲ 0.87% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.45%▲ 0.87% above avgNationally 3.01%
Details

Term Share Account; Rates Effective October 1, 2025

Rate History
No change since Oct 22, 2026 · 4.32% APY · checked 3 times
3.82%4.32%4.82%Oct 22, 2026: 4.32% APYOct 22, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
1 Year Super Saver Share Certificate
$100,000
4.25% ▲ 0.80% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.80% above avgNationally 3.01%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.25% ▲ 0.90 pts · high 4.25% / low 3.35%
2.45%3.80%5.15%Sep 14, 2026: 3.35% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Oct 13, 20264.25%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$500
4.25% ▲ 0.80% above Louisiana avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.80% above avgNationally 3.01%
Details

Minimum Deposit $500

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
12 Month Jumbo IRA Certificates
$0
4.20% ▲ 0.75% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.45%▲ 0.75% above avgNationally 3.01%
Details

Rate History
No change since Sep 20, 2026 · 4.20% APY · checked 8 times
3.70%4.20%4.70%Sep 20, 2026: 4.20% APYSep 20, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
1 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.20% ▲ 0.75% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.75% above avgNationally 3.01%
Details

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

Rate History
2 changes since Sep 14, 2026 · 3.30% → 4.20% ▲ 0.90 pts · high 4.20% / low 3.30%
2.40%3.75%5.10%Sep 14, 2026: 3.30% APYOct 13, 2026: 3.80% APYOct 15, 2026: 4.20% APYSep 14, 2026Oct 31, 2026
  • Oct 15, 20264.20%▲ from 3.80%
  • Oct 13, 20263.80%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10% ▲ 0.65% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.45%▲ 0.65% above avgNationally 3.01%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
12 Month IRA Certificates
$0
4.10% ▲ 0.65% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.45%▲ 0.65% above avgNationally 3.01%
Details

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
12 Month Jumbo Certificates
$0
4.10% ▲ 0.65% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.45%▲ 0.65% above avgNationally 3.01%
Details

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Oct 31, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1-Year Certificate
$500
4.10% ▲ 0.65% above Louisiana avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.45%▲ 0.65% above avgNationally 3.01%
Details

Rate History
1 change since Sep 25, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 25, 2026: 4.05% APYOct 4, 2026: 4.10% APYSep 25, 2026Oct 31, 2026
  • Oct 4, 20264.10%▲ from 4.05%
  • Sep 25, 20264.05%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 12 Month
$0
4.07% ▲ 0.62% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.62% above avgNationally 3.01%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 23, 2026: 4.07% APYOct 23, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificate - 12 Month
$0
4.07% ▲ 0.62% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.62% above avgNationally 3.01%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Oct 29, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 29, 2026: 4.07% APYOct 29, 2026Oct 31, 2026
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12 Month Share Certificate
$1,000
4.07% ▲ 0.62% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.62% above avgNationally 3.01%
Details

Rate tier: Base Rate + 1.00%; Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 31, 2026
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
12 Month IRA
$250
4.06% ▲ 0.61% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Louisiana Average3.45%▲ 0.61% above avgNationally 3.01%
Details

Rate History
1 change since Sep 24, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 24, 2026: 3.80% APYOct 8, 2026: 4.06% APYSep 24, 2026Oct 31, 2026
  • Oct 8, 20264.06%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
Maple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
12 Month Share Certificate Jumbo
$100,000
4.06% ▲ 0.61% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.61% above avgNationally 3.01%
Details

Jumbo Certificates have a minimum deposit requirement of $100,000.00

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.06% ▲ 0.31 pts · high 4.06% / low 3.75%
3.25%3.91%4.56%Sep 14, 2026: 3.75% APYOct 23, 2026: 4.06% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20264.06%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Maple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Share Certificate Jumbo - 12 Months
$100,000
4.06% ▲ 0.61% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.61% above avgNationally 3.01%
Details

Jumbo Certificate; minimum deposit requirement of $100,000.00; Dividends compounded quarterly

Rate History
No change since Oct 23, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 23, 2026: 4.06% APYOct 23, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.05% ▲ 0.60% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.45%▲ 0.60% above avgNationally 3.01%
Details

Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 31, 2026
Fidelity Bank New Orleans, LA
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
12 Month Pick-Your-Term CD/IRA Special
$1,000
4.05% ▲ 0.60% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.45%▲ 0.60% above avgNationally 3.01%
Details

Choice of terms: 6 month or 12 month; Deposit minimum $1,000; New or Current Money; Early withdrawals are subject to penalty

Rate History
No change since Oct 28, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 28, 2026: 4.05% APYOct 28, 2026Oct 31, 2026
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
12 Month Starter Certificate
$0
4.05% ▲ 0.60% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.60% above avgNationally 3.01%
Details

Continue to add funds through payroll; Dividends are compounded and paid monthly on the average daily balance

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYSep 17, 2026: 4.05% APYSep 14, 2026Oct 31, 2026
  • Sep 17, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
IRA Certificate 1 Year
$0
4.05% ▲ 0.60% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.60% above avgNationally 3.01%
Details

Individual Retirement Accounts (IRA)

Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 31, 2026
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Share Certificate - 1 Year
$0
4.05% ▲ 0.60% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.60% above avgNationally 3.01%
Details

Balance: $1,000+; Step-Up Option: Available (table lists three Available entries for five terms)

Rate History
No change since Oct 26, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 26, 2026: 4.05% APYOct 26, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month EasyStart Certificate
$50
4.00% ▲ 0.55% above Louisiana avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.45%▲ 0.55% above avgNationally 3.01%
Details

Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
Citizens Savings Bank Bogalusa, LA
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
12 Month CD
$2,500
4.00% ▲ 0.55% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Louisiana Average3.45%▲ 0.55% above avgNationally 3.01%
Details

Rate History
1 change since Sep 24, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 24, 2026: 3.75% APYOct 8, 2026: 4.00% APYSep 24, 2026Oct 31, 2026
  • Oct 8, 20264.00%▲ from 3.75%
  • Sep 24, 20263.75%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
12-Month Regular Certificate or IRA Certificate
$2,000
4.00% ▲ 0.55% above Louisiana avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.45%▲ 0.55% above avgNationally 3.01%
Details

Deposit: $2,000-$9,999

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
12 Month Share Certificates
$0
4.00% ▲ 0.55% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.45%▲ 0.55% above avgNationally 3.01%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 31, 2026
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Jumbo Share Certificates - 12 Months
$50,000
4.00% ▲ 0.55% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.55% above avgNationally 3.01%
Details

Minimum balance to open is $50,000; Rates as of 06/02/2025

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 31, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
12 Month Pulse Certificate
$100
4.00% ▲ 0.55% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.45%▲ 0.55% above avgNationally 3.01%
Details

Dividends Paid: Monthly

Rate History
1 change since Sep 14, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
2.60%3.65%4.70%Sep 14, 2026: 3.30% APYOct 30, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 30, 20264.00%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Maple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
12 Month Share Certificate Mini Jumbo
$50,000
3.96% ▲ 0.51% above Louisiana avg
View
▼
Rate3.90%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.51% above avgNationally 3.01%
Details

Mini Jumbo Certificates have a minimum deposit requirement of $50,000.00

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.96% ▲ 0.31 pts · high 3.96% / low 3.65%
3.15%3.80%4.46%Sep 14, 2026: 3.65% APYOct 23, 2026: 3.96% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20263.96%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Maple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Share Certificate Mini Jumbo - 12 Months
$50,000
3.96% ▲ 0.51% above Louisiana avg
View
▼
Rate3.90%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.51% above avgNationally 3.01%
Details

Mini Jumbo Certificate; minimum deposit requirement of $50,000.00; Dividends compounded quarterly

Rate History
No change since Oct 23, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 23, 2026: 3.96% APYOct 23, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
12 Month Certificate of Deposit
$2,500
3.95% ▲ 0.50% above Louisiana avg
View
▼
Rate3.89%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.45%▲ 0.50% above avgNationally 3.01%
Details

Rate History
No change since Oct 21, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 21, 2026: 3.95% APYOct 21, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Business Certificates of Deposit - 12 Months
$2,500
3.95% ▲ 0.50% above Louisiana avg
View
▼
Rate3.89%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.45%▲ 0.50% above avgNationally 3.01%
Details

Rate History
No change since Oct 21, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 21, 2026: 3.95% APYOct 21, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Certificates of Deposit - 12 Months
$2,500
3.95% ▲ 0.50% above Louisiana avg
View
▼
Rate3.89%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.45%▲ 0.50% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 21, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 21, 2026: 3.95% APYOct 21, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA 1 Year
$500
3.95% ▲ 0.50% above Louisiana avg
View
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.45%▲ 0.50% above avgNationally 3.01%
Details

Rate History
No change since Oct 21, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 21, 2026: 3.95% APYOct 21, 2026Oct 31, 2026
Landmark Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.80%
12-Month CD
$0
3.95% ▲ 0.50% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.45%▲ 0.50% above avgNationally 3.01%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.95% ▲ 0.35 pts · high 3.95% / low 3.60%
3.10%3.78%4.45%Sep 14, 2026: 3.60% APYOct 26, 2026: 3.95% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20263.95%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
12 Month IRA Certificates
$0
3.91% ▲ 0.46% above Louisiana avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.46% above avgNationally 3.01%
Details

Early withdrawal penalty may apply

Rate History
1 change since Oct 13, 2026 · 3.86% → 3.91% ▲ 0.05 pts · high 3.91% / low 3.86%
3.36%3.89%4.41%Oct 13, 2026: 3.86% APYOct 29, 2026: 3.91% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20263.91%▲ from 3.86%
  • Oct 13, 20263.86%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificate - 12 Month
$0
3.91% ▲ 0.46% above Louisiana avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.45%▲ 0.46% above avgNationally 3.01%
Details

Minimum daily balance to earn APY: $2,500

Rate History
No change since Oct 29, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 29, 2026: 3.91% APYOct 29, 2026Oct 31, 2026

Minden 18 Month CD Rates

Louisiana 18 Month CD Average3.54% APYNational 2.91%▲ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
18 Month 360 CD
$0
3.60% ▲ 0.06% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.54%▲ 0.06% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 31, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1176 Homer Rd, Minden, LA 71055
IRA 18 Month
$0
3.03% ▼ 0.51% below Louisiana avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.54%▼ 0.51% below avgNationally 2.91%
Details

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

Rate History
No change since Oct 20, 2026 · 3.03% APY · checked 5 times
2.53%3.03%3.53%Oct 20, 2026: 3.03% APYOct 20, 2026Oct 31, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1176 Homer Rd, Minden, LA 71055
Personal or Business Certificate of Deposit Products - 18 Months
$0
3.03% ▼ 0.51% below Louisiana avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.54%▼ 0.51% below avgNationally 2.91%
Details

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

Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Oct 14, 2026: 3.03% APYOct 14, 2026Oct 31, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
18-Month Regular Certificate or IRA Certificate
$10,000
4.45% ▲ 0.91% above Louisiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.54%▲ 0.91% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 5 times
3.95%4.45%4.95%Oct 8, 2026: 4.45% APYOct 8, 2026Oct 31, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$0
4.35% ▲ 0.81% above Louisiana avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.54%▲ 0.81% above avgNationally 2.91%
Details

Rate Effective Date: October 29, 2026

Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 31, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 18 Months
$500
4.33% ▲ 0.79% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.54%▲ 0.79% above avgNationally 2.91%
Details

Dividends Credited/Compounded: Monthly

Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 3 times
3.83%4.33%4.83%Oct 15, 2026: 4.33% APYOct 15, 2026Oct 31, 2026
Landmark Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.80%
18-Month CD
$0
4.30% ▲ 0.76% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.54%▲ 0.76% above avgNationally 2.91%
Details

Rate History
No change since Oct 26, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 26, 2026: 4.30% APYOct 26, 2026Oct 31, 2026
Fidelity Bank New Orleans, LA
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
18 Month CD/IRA Special
$1,000
4.30% ▲ 0.76% above Louisiana avg
View
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.54%▲ 0.76% above avgNationally 2.91%
Details

Majority New Money (must be at least 51% new money for the opening deposit); Must have an existing checking account or open a new checking account at the time of CD/IRA opening; Early withdrawals are subject to penalty

Rate History
No change since Oct 28, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 28, 2026: 4.30% APYOct 28, 2026Oct 31, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month CD
$1,000
4.25% ▲ 0.71% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.54%▲ 0.71% above avgNationally 2.91%
Details

Promotional APY on 18 & 24-month CDs; Minimum opening deposit $1,000

Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 26, 2026: 4.25% APYOct 26, 2026Oct 31, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25% ▲ 0.71% above Louisiana avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.54%▲ 0.71% above avgNationally 2.91%
Details

Minimum Deposit $500

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 31, 2026
  • Oct 13, 20264.25%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15% ▲ 0.61% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.54%▲ 0.61% above avgNationally 2.91%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
Resource Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
18-Month Online CD
$1,000
4.15% ▲ 0.61% above Louisiana avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.54%▲ 0.61% above avgNationally 2.91%
Details

One step-up allowed

Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CDVantage CD
$100,000
4.15% ▲ 0.61% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.54%▲ 0.61% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10% ▲ 0.56% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.54%▲ 0.56% above avgNationally 2.91%
Details

Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CDVantage CD
$100,000
4.10% ▲ 0.56% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.54%▲ 0.56% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 21, 2026: 4.10% APYOct 21, 2026Oct 31, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
18 Month Pulse Certificate
$100
4.10% ▲ 0.56% above Louisiana avg
View
▼
Rate4.02%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.54%▲ 0.56% above avgNationally 2.91%
Details

Dividends Paid: Monthly

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40%
2.70%3.75%4.80%Sep 14, 2026: 3.40% APYOct 30, 2026: 4.10% APYSep 14, 2026Oct 31, 2026
  • Oct 30, 20264.10%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18-Month IRA
$2,000
4.07% ▲ 0.53% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.54%▲ 0.53% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 9 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CDVantage CD
$100,000
4.05% ▲ 0.51% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.54%▲ 0.51% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 21, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 21, 2026: 4.05% APYOct 21, 2026Oct 31, 2026
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Share & IRA Certificate - 18-Month Certificate
$1,000
4.05% ▲ 0.51% above Louisiana avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.54%▲ 0.51% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 23, 2026: 4.05% APYOct 23, 2026Oct 31, 2026
First American Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
18 Month CD
$1,000
4.02% ▲ 0.48% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.54%▲ 0.48% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 24, 2026 · 4.02% APY · checked 12 times
3.52%4.02%4.52%Sep 24, 2026: 4.02% APYSep 24, 2026Oct 31, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
18 Month Certificate of Deposit
$500
4.00% ▲ 0.46% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.54%▲ 0.46% above avgNationally 2.91%
Details

Dividends Paid: Monthly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 30, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 30, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
Certificates of Deposit - 18 months
$500
4.00% ▲ 0.46% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.54%▲ 0.46% above avgNationally 2.91%
Details

Dividends Paid: Monthly; Penalty for early withdrawal

Rate History
1 change since Oct 19, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Oct 19, 2026: 3.50% APYOct 30, 2026: 4.00% APYOct 19, 2026Oct 31, 2026
  • Oct 30, 20264.00%▲ from 3.50%
  • Oct 19, 20263.50%first recorded
Credit Human Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
18 Month Sustainable Share Certificate
$0
3.95% ▲ 0.41% above Louisiana avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.54%▲ 0.41% above avgNationally 2.91%
Details

Balance: $500.00 and up; Dividend rate and APY; early withdrawal penalty applies

Rate History
No change since Oct 26, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 26, 2026: 3.95% APYOct 26, 2026Oct 31, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular Certificate - 18-month
$0
3.90% ▲ 0.36% above Louisiana avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.54%▲ 0.36% above avgNationally 2.91%
Details

Rates listed above are accurate as of 10/25/2026.

Rate History
No change since Oct 26, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 26, 2026: 3.90% APYOct 26, 2026Oct 31, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 18 months
$0
3.85% ▲ 0.31% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.54%▲ 0.31% above avgNationally 2.91%
Details

Accurate as of 09/30/2026

Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Oct 2, 2026: 3.85% APYOct 2, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
18 Month Jumbo IRA Certificates
$0
3.85% ▲ 0.31% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.54%▲ 0.31% above avgNationally 2.91%
Details

Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 20, 2026: 3.85% APYSep 20, 2026Oct 31, 2026
Centric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
Regular Certificate - 18 Months
$0
3.85% ▲ 0.31% above Louisiana avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.54%▲ 0.31% above avgNationally 2.91%
Details

Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
2.65%3.55%4.45%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
  • Oct 10, 20263.85%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Traditional - Variable Rate (18 month)
$100
3.80% ▲ 0.26% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.54%▲ 0.26% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 9 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CDVantage CD
$100,000
3.80% ▲ 0.26% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.54%▲ 0.26% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 21, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Oct 31, 2026
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
18 Month Share Certificates
$0
3.80% ▲ 0.26% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.54%▲ 0.26% above avgNationally 2.91%
Details

% As High As; APY*

Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 31, 2026
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Share Certificate - 18 months
$0
3.80% ▲ 0.26% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.54%▲ 0.26% above avgNationally 2.91%
Details

As High As

Rate History
No change since Oct 23, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 23, 2026: 3.80% APYOct 23, 2026Oct 31, 2026
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Share Certificates - 18 month
$0
3.80% ▲ 0.26% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.54%▲ 0.26% above avgNationally 2.91%
Details

Rate History
1 change since Sep 12, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 12, 2026: 3.70% APYOct 8, 2026: 3.80% APYSep 12, 2026Oct 31, 2026
  • Oct 8, 20263.80%▲ from 3.70%
  • Sep 12, 20263.70%first recorded
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
18-Month Certificate
$0
3.80% ▲ 0.26% above Louisiana avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.54%▲ 0.26% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 11 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
Share Certificates - 18-Month Certificate
$1,000
3.80% ▲ 0.26% above Louisiana avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.54%▲ 0.26% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
18 Month Certificate of Deposit
$2,500
3.75% ▲ 0.21% above Louisiana avg
View
▼
Rate3.70%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.54%▲ 0.21% above avgNationally 2.91%
Details

Rate History
No change since Oct 21, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 21, 2026: 3.75% APYOct 21, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Business Certificates of Deposit - 18 Months
$2,500
3.75% ▲ 0.21% above Louisiana avg
View
▼
Rate3.70%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.54%▲ 0.21% above avgNationally 2.91%
Details

Rate History
No change since Oct 21, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 21, 2026: 3.75% APYOct 21, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Certificates of Deposit - 18 Months
$2,500
3.75% ▲ 0.21% above Louisiana avg
View
▼
Rate3.70%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.54%▲ 0.21% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 21, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 21, 2026: 3.75% APYOct 21, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA 18 Months
$500
3.75% ▲ 0.21% above Louisiana avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.54%▲ 0.21% above avgNationally 2.91%
Details

Rate History
No change since Oct 21, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 21, 2026: 3.75% APYOct 21, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
18 Month IRA Certificates
$0
3.75% ▲ 0.21% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.54%▲ 0.21% above avgNationally 2.91%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
18 Month Jumbo Certificates
$0
3.75% ▲ 0.21% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.54%▲ 0.21% above avgNationally 2.91%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 31, 2026
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
IRA Share Certificates - 18 Months
$20
3.75% ▲ 0.21% above Louisiana avg
View
▼
Rate3.69%
Min Deposit$20
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.54%▲ 0.21% above avgNationally 2.91%
Details

Rates as of 06/02/2025

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month EasyStart Certificate
$50
3.70% ▲ 0.16% above Louisiana avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.54%▲ 0.16% above avgNationally 2.91%
Details

Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CDVantage CD
$100,000
3.70% ▲ 0.16% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.54%▲ 0.16% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 31, 2026
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
CD - 18 months
$0
3.66% ▲ 0.12% above Louisiana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.54%▲ 0.12% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 23, 2026: 3.66% APYOct 23, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CDVantage CD
$200,000
3.65% ▲ 0.11% above Louisiana avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.54%▲ 0.11% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 21, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 21, 2026: 3.65% APYOct 21, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
18 Month Share Certificates
$0
3.65% ▲ 0.11% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.54%▲ 0.11% above avgNationally 2.91%
Details

Rate History
No change since Sep 20, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 20, 2026: 3.65% APYSep 20, 2026Oct 31, 2026
BRECO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
18 Month Term Share Certificate
$0
3.65% ▲ 0.11% above Louisiana avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.54%▲ 0.11% above avgNationally 2.91%
Details

Dividends Paid Monthly; Penalty may be imposed for early withdrawal on certificates. Fees could reduce earnings on all accounts. APY accurate as of 5/27/2026.

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Oct 31, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
18 Month Share Certificate
$0
3.64% ▲ 0.10% above Louisiana avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.54%▲ 0.10% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 15, 2026 · 3.64% APY · checked 3 times
3.14%3.64%4.14%Oct 15, 2026: 3.64% APYOct 15, 2026Oct 31, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
IRA 18 Month Certificate
$0
3.64% ▲ 0.10% above Louisiana avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.54%▲ 0.10% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 23, 2026 · 3.64% APY · checked 2 times
3.14%3.64%4.14%Oct 23, 2026: 3.64% APYOct 23, 2026Oct 31, 2026
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
CD - 18 Months
$0
3.61% ▲ 0.07% above Louisiana avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.54%▲ 0.07% above avgNationally 2.91%
Details

Share certificate; $500 deposit required to open

Rate History
No change since Oct 23, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 23, 2026: 3.61% APYOct 23, 2026Oct 31, 2026

Minden 24 Month CD Rates

Louisiana 24 Month CD Average3.26% APYNational 2.91%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
Certificate Account - 24 Months
$1,000
4.25% ▲ 0.99% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.26%▲ 0.99% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
IRA Certificate 24 Months
$1,000
4.25% ▲ 0.99% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.26%▲ 0.99% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
Plus Point Certificate - 24 Months
$1,000
4.25% ▲ 0.99% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.26%▲ 0.99% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
918 Homer Rd, Minden, LA 71055
Share Certificate/IRA Share Certificate - 24 months
$1,000
4.15% ▲ 0.89% above Louisiana avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.26%▲ 0.89% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 23, 2026: 4.15% APYOct 23, 2026Oct 31, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
Flex Certificate Account - 24 Months
$2,500
3.75% ▲ 0.49% above Louisiana avg
View
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.26%▲ 0.49% above avgNationally 2.91%
Details

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 31, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
24 Month 360 CD
$0
3.50% ▲ 0.24% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.26%▲ 0.24% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 31, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1176 Homer Rd, Minden, LA 71055
IRA 24 Month
$0
2.52% ▼ 0.74% below Louisiana avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.26%▼ 0.74% below avgNationally 2.91%
Details

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

Rate History
No change since Oct 20, 2026 · 2.52% APY · checked 5 times
2.02%2.52%3.02%Oct 20, 2026: 2.52% APYOct 20, 2026Oct 31, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1176 Homer Rd, Minden, LA 71055
Personal or Business Certificate of Deposit Products - 24 Months
$0
2.52% ▼ 0.74% below Louisiana avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.26%▼ 0.74% below avgNationally 2.91%
Details

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

Rate History
No change since Oct 14, 2026 · 2.52% APY · checked 6 times
2.02%2.52%3.02%Oct 14, 2026: 2.52% APYOct 14, 2026Oct 31, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
24 Month Jumbo Share Certificates (CDs)
$1,000
4.82% ▲ 1.56% above Louisiana avg
View
▼
Rate4.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 1.56% above avgNationally 2.91%
Details

Jumbo rate; standard jumbo rates available on deposits of $95,000 or more

Rate History
No change since Oct 26, 2026 · 4.82% APY · checked 2 times
4.32%4.82%5.32%Oct 26, 2026: 4.82% APYOct 26, 2026Oct 31, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
2-Year Regular Certificate or IRA Certificate
$10,000
4.50% ▲ 1.24% above Louisiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.26%▲ 1.24% above avgNationally 2.91%
Details

Deposit: $10,000+

Rate History
No change since Oct 12, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
2 Year Super Saver Share Certificate
$100,000
4.35% ▲ 1.09% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 1.09% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.35% ▲ 0.90 pts · high 4.35% / low 3.45%
2.55%3.90%5.25%Sep 14, 2026: 3.45% APYOct 13, 2026: 4.35% APYSep 14, 2026Oct 31, 2026
  • Oct 13, 20264.35%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$0
4.35% ▲ 1.09% above Louisiana avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 1.09% above avgNationally 2.91%
Details

Rate Effective Date: October 29, 2026

Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 31, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 24 Months
$500
4.33% ▲ 1.07% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.26%▲ 1.07% above avgNationally 2.91%
Details

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

Rate History
1 change since Oct 15, 2026 · 3.82% → 4.33% ▲ 0.51 pts · high 4.33% / low 3.82%
3.31%4.07%4.84%Oct 15, 2026: 3.82% APYOct 23, 2026: 4.33% APYOct 15, 2026Oct 31, 2026
  • Oct 23, 20264.33%▲ from 3.82%
  • Oct 15, 20263.82%first recorded
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
24-Month IRA
$2,000
4.33% ▲ 1.07% above Louisiana avg
View
▼
Rate4.25%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 1.07% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 9 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
2 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.30% ▲ 1.04% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 1.04% above avgNationally 2.91%
Details

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

Rate History
2 changes since Sep 14, 2026 · 3.40% → 4.30% ▲ 0.90 pts · high 4.30% / low 3.40%
2.50%3.85%5.20%Sep 14, 2026: 3.40% APYOct 13, 2026: 3.90% APYOct 15, 2026: 4.30% APYSep 14, 2026Oct 31, 2026
  • Oct 15, 20264.30%▲ from 3.90%
  • Oct 13, 20263.90%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Maple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
24 Month Share Certificate Jumbo
$100,000
4.27% ▲ 1.01% above Louisiana avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 1.01% above avgNationally 2.91%
Details

Jumbo Certificates have a minimum deposit requirement of $100,000.00

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.27% ▲ 0.67 pts · high 4.27% / low 3.60%
2.93%3.93%4.93%Sep 14, 2026: 3.60% APYOct 23, 2026: 4.27% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20264.27%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Maple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Share Certificate Jumbo - 24 Months
$100,000
4.27% ▲ 1.01% above Louisiana avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 1.01% above avgNationally 2.91%
Details

Jumbo Certificate; minimum deposit requirement of $100,000.00; Dividends compounded quarterly

Rate History
No change since Oct 23, 2026 · 4.27% APY · checked 2 times
3.77%4.27%4.77%Oct 23, 2026: 4.27% APYOct 23, 2026Oct 31, 2026
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24-Month Certificate of Deposit
$0
4.25% ▲ 0.99% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.26%▲ 0.99% above avgNationally 2.91%
Details

Guaranteed rate of return on a Certificate of Deposit

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 31, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month CD
$1,000
4.25% ▲ 0.99% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.26%▲ 0.99% above avgNationally 2.91%
Details

Promotional APY on 18 & 24-month CDs; Minimum opening deposit $1,000

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 13 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
2 Year Youth Certificate
$1,000
4.25% ▲ 0.99% above Louisiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.26%▲ 0.99% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 31, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
2-Year Regular Certificate or IRA Certificate
$2,000
4.25% ▲ 0.99% above Louisiana avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.26%▲ 0.99% above avgNationally 2.91%
Details

Deposit: $2,000-$9,999

Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 31, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
24 Month Certificate Account
$0
4.25% ▲ 0.99% above Louisiana avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.26%▲ 0.99% above avgNationally 2.91%
Details

Dividends credited quarterly

Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
24 Month Jumbo Certificate Accounts
$0
4.25% ▲ 0.99% above Louisiana avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.26%▲ 0.99% above avgNationally 2.91%
Details

Dividends credited quarterly

Rate History
1 change since Sep 20, 2026 · 3.40% → 4.25% ▲ 0.85 pts · high 4.25% / low 3.40%
2.55%3.82%5.10%Sep 20, 2026: 3.40% APYOct 4, 2026: 4.25% APYSep 20, 2026Oct 31, 2026
  • Oct 4, 20264.25%▲ from 3.40%
  • Sep 20, 20263.40%first recorded
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Certificate Account - 24 months
$0
4.25% ▲ 0.99% above Louisiana avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.26%▲ 0.99% above avgNationally 2.91%
Details

Dividends credited quarterly

Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 15, 2026: 4.25% APYOct 15, 2026Oct 31, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Certificate Accounts - 24 months
$0
4.25% ▲ 0.99% above Louisiana avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.26%▲ 0.99% above avgNationally 2.91%
Details

Dividends credited quarterly

Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 15, 2026: 4.25% APYOct 15, 2026Oct 31, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Jumbo Certificate - 24 months
$0
4.25% ▲ 0.99% above Louisiana avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.26%▲ 0.99% above avgNationally 2.91%
Details

Dividends credited quarterly

Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$500
4.25% ▲ 0.99% above Louisiana avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 0.99% above avgNationally 2.91%
Details

Minimum Deposit $500

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 31, 2026
  • Oct 13, 20264.25%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month CDVantage CD
$100,000
4.20% ▲ 0.94% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.26%▲ 0.94% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 21, 2026: 4.20% APYOct 21, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
CDVantage CD - 24 Months
$100,000
4.20% ▲ 0.94% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.26%▲ 0.94% above avgNationally 2.91%
Details

Interest Frequency: Monthly; Nationally sourced CD offering via CDVantage

Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 21, 2026: 4.20% APYOct 21, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 24 Month
$0
4.17% ▲ 0.91% above Louisiana avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 0.91% above avgNationally 2.91%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
1 change since Oct 23, 2026 · 4.12% → 4.17% ▲ 0.05 pts · high 4.17% / low 4.12%
3.62%4.15%4.67%Oct 23, 2026: 4.12% APYOct 29, 2026: 4.17% APYOct 23, 2026Oct 31, 2026
  • Oct 29, 20264.17%▲ from 4.12%
  • Oct 23, 20264.12%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificate - 24 Month
$0
4.17% ▲ 0.91% above Louisiana avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 0.91% above avgNationally 2.91%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Oct 29, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 29, 2026: 4.17% APYOct 29, 2026Oct 31, 2026
Maple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
24 Month Share Certificate Mini Jumbo
$50,000
4.16% ▲ 0.90% above Louisiana avg
View
▼
Rate4.10%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 0.90% above avgNationally 2.91%
Details

Mini Jumbo Certificates have a minimum deposit requirement of $50,000.00

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.16% ▲ 0.66 pts · high 4.16% / low 3.50%
2.84%3.83%4.83%Sep 14, 2026: 3.50% APYOct 23, 2026: 4.16% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20264.16%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Maple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Share Certificate Mini Jumbo - 24 Months
$50,000
4.16% ▲ 0.90% above Louisiana avg
View
▼
Rate4.10%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 0.90% above avgNationally 2.91%
Details

Mini Jumbo Certificate; minimum deposit requirement of $50,000.00; Dividends compounded quarterly

Rate History
No change since Oct 23, 2026 · 4.16% APY · checked 2 times
3.66%4.16%4.66%Oct 23, 2026: 4.16% APYOct 23, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month CDVantage CD
$100,000
4.15% ▲ 0.89% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.26%▲ 0.89% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 31, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
24 Month Pulse Certificate
$100
4.15% ▲ 0.89% above Louisiana avg
View
▼
Rate4.07%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.26%▲ 0.89% above avgNationally 2.91%
Details

Dividends Paid: Monthly

Rate History
1 change since Sep 14, 2026 · 3.44% → 4.15% ▲ 0.71 pts · high 4.15% / low 3.44%
2.73%3.80%4.86%Sep 14, 2026: 3.44% APYOct 30, 2026: 4.15% APYSep 14, 2026Oct 31, 2026
  • Oct 30, 20264.15%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month CDVantage CD
$100,000
4.10% ▲ 0.84% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.26%▲ 0.84% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 21, 2026: 4.10% APYOct 21, 2026Oct 31, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
2-Year Certificate
$500
4.10% ▲ 0.84% above Louisiana avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.26%▲ 0.84% above avgNationally 2.91%
Details

Rate History
1 change since Sep 25, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 25, 2026: 4.05% APYOct 4, 2026: 4.10% APYSep 25, 2026Oct 31, 2026
  • Oct 4, 20264.10%▲ from 4.05%
  • Sep 25, 20264.05%first recorded
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Share & IRA Certificate - 24-Month Certificate
$1,000
4.10% ▲ 0.84% above Louisiana avg
View
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.26%▲ 0.84% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 23, 2026: 4.10% APYOct 23, 2026Oct 31, 2026
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
24 Month Share Certificate
$1,000
4.07% ▲ 0.81% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 0.81% above avgNationally 2.91%
Details

Rate tier: Base Rate + 1.25%; Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 31, 2026
Maple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
24 Month Share Certificate
$0
4.06% ▲ 0.80% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 0.80% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.39% → 4.06% ▲ 0.67 pts · high 4.06% / low 3.39%
2.72%3.72%4.73%Sep 14, 2026: 3.39% APYOct 23, 2026: 4.06% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20264.06%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
Maple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Share Certificate - 24 Months
$1,000
4.06% ▲ 0.80% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 0.80% above avgNationally 2.91%
Details

Dividends compounded quarterly; Penalties for early withdrawal may be up to 90 days dividends

Rate History
No change since Oct 23, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 23, 2026: 4.06% APYOct 23, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
2 Year IRA Certificate Account
$20,000
4.05% ▲ 0.79% above Louisiana avg
View
▼
RateN/A
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 0.79% above avgNationally 2.91%
Details

Dividends credited Monthly

Rate History
No change since Oct 15, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 15, 2026: 4.05% APYOct 15, 2026Oct 31, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
24 Month Certificate of Deposit
$500
4.05% ▲ 0.79% above Louisiana avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.26%▲ 0.79% above avgNationally 2.91%
Details

Dividends Paid: Monthly

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Sep 14, 2026: 3.55% APYOct 30, 2026: 4.05% APYSep 14, 2026Oct 31, 2026
  • Oct 30, 20264.05%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
Certificates of Deposit - 24 months
$500
4.05% ▲ 0.79% above Louisiana avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.26%▲ 0.79% above avgNationally 2.91%
Details

Dividends Paid: Monthly; Penalty for early withdrawal

Rate History
1 change since Oct 19, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Oct 19, 2026: 3.55% APYOct 30, 2026: 4.05% APYOct 19, 2026Oct 31, 2026
  • Oct 30, 20264.05%▲ from 3.55%
  • Oct 19, 20263.55%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month IRA Certificates
$0
4.02% ▲ 0.76% above Louisiana avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 0.76% above avgNationally 2.91%
Details

Early withdrawal penalty may apply

Rate History
1 change since Oct 13, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Oct 13, 2026: 3.82% APYOct 29, 2026: 4.02% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20264.02%▲ from 3.82%
  • Oct 13, 20263.82%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificate - 24 Month
$0
4.02% ▲ 0.76% above Louisiana avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 0.76% above avgNationally 2.91%
Details

Minimum daily balance to earn APY: $2,500

Rate History
No change since Oct 29, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 29, 2026: 4.02% APYOct 29, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
2 Year IRA Certificate Account
$650
3.95% ▲ 0.69% above Louisiana avg
View
▼
RateN/A
Min Deposit$650
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 0.69% above avgNationally 2.91%
Details

Dividends credited Monthly

Rate History
No change since Oct 15, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 15, 2026: 3.95% APYOct 15, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
2 Year Super Saver Share Certificate
$100,000
3.95% ▲ 0.69% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 0.69% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
2.95%3.70%4.45%Sep 14, 2026: 3.45% APYOct 13, 2026: 3.95% APYSep 14, 2026Oct 31, 2026
  • Oct 13, 20263.95%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month CDVantage CD
$100,000
3.90% ▲ 0.64% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.26%▲ 0.64% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 21, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 21, 2026: 3.90% APYOct 21, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
2 Year Mega Saver Share Certificate with One-time Bump
$100,000
3.90% ▲ 0.64% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.26%▲ 0.64% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
2.90%3.65%4.40%Sep 14, 2026: 3.40% APYOct 13, 2026: 3.90% APYSep 14, 2026Oct 31, 2026
  • Oct 13, 20263.90%▲ from 3.40%
  • Sep 14, 20263.40%first recorded

Minden 36 Month CD Rates

Louisiana 36 Month CD Average3.14% APYNational 2.82%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
918 Homer Rd, Minden, LA 71055
Share Certificate/IRA Share Certificate - 36 months
$1,000
4.25% ▲ 1.11% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.14%▲ 1.11% above avgNationally 2.82%
Details

Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
Certificate Account - 36 Months
$1,000
4.25% ▲ 1.11% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.14%▲ 1.11% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
IRA Certificate 36 Months
$1,000
4.25% ▲ 1.11% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.14%▲ 1.11% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
Plus Point Certificate - 36 Months
$1,000
4.25% ▲ 1.11% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.14%▲ 1.11% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
Flex Certificate Account - 36 Months
$2,500
3.75% ▲ 0.61% above Louisiana avg
View
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.14%▲ 0.61% above avgNationally 2.82%
Details

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 31, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
36 Month 360 CD
$0
3.50% ▲ 0.36% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.14%▲ 0.36% above avgNationally 2.82%
Details

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 31, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1176 Homer Rd, Minden, LA 71055
IRA 36 Month
$0
2.02% ▼ 1.12% below Louisiana avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.14%▼ 1.12% below avgNationally 2.82%
Details

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

Rate History
No change since Oct 20, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Oct 20, 2026: 2.02% APYOct 20, 2026Oct 31, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1176 Homer Rd, Minden, LA 71055
Personal or Business Certificate of Deposit Products - 36 Months
$0
2.02% ▼ 1.12% below Louisiana avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.14%▼ 1.12% below avgNationally 2.82%
Details

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

Rate History
No change since Oct 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Oct 14, 2026: 2.02% APYOct 14, 2026Oct 31, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
36 Month Jumbo Share Certificates (CDs)
$1,000
4.93% ▲ 1.79% above Louisiana avg
View
▼
Rate4.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.14%▲ 1.79% above avgNationally 2.82%
Details

Jumbo rate; standard jumbo rates available on deposits of $95,000 or more

Rate History
No change since Oct 26, 2026 · 4.93% APY · checked 2 times
4.43%4.93%5.43%Oct 26, 2026: 4.93% APYOct 26, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
3 Year Super Saver Share Certificate
$100,000
4.45% ▲ 1.31% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.14%▲ 1.31% above avgNationally 2.82%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.45% ▲ 0.90 pts · high 4.45% / low 3.55%
2.65%4.00%5.35%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.45% APYSep 14, 2026Oct 31, 2026
  • Oct 13, 20264.45%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
3 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.40% ▲ 1.26% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.14%▲ 1.26% above avgNationally 2.82%
Details

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

Rate History
2 changes since Sep 14, 2026 · 3.50% → 4.40% ▲ 0.90 pts · high 4.40% / low 3.50%
2.60%3.95%5.30%Sep 14, 2026: 3.50% APYOct 13, 2026: 4.00% APYOct 15, 2026: 4.40% APYSep 14, 2026Oct 31, 2026
  • Oct 15, 20264.40%▲ from 4.00%
  • Oct 13, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$0
4.40% ▲ 1.26% above Louisiana avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.14%▲ 1.26% above avgNationally 2.82%
Details

Rate Effective Date: October 29, 2026

Rate History
No change since Oct 23, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 23, 2026: 4.40% APYOct 23, 2026Oct 31, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$500
4.30% ▲ 1.16% above Louisiana avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.14%▲ 1.16% above avgNationally 2.82%
Details

Minimum Deposit $500

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 31, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CDVantage CD
$100,000
4.25% ▲ 1.11% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.14%▲ 1.11% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
CDVantage CD - 36 Months
$100,000
4.25% ▲ 1.11% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.14%▲ 1.11% above avgNationally 2.82%
Details

Interest Frequency: Semi; Nationally sourced CD offering via CDVantage

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 31, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
3-Year Regular Certificate or IRA Certificate
$10,000
4.25% ▲ 1.11% above Louisiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.14%▲ 1.11% above avgNationally 2.82%
Details

Deposit: $10,000+

Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 31, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
36 Month Certificate of Deposit
$500
4.25% ▲ 1.11% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.14%▲ 1.11% above avgNationally 2.82%
Details

Dividends Paid: Monthly

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.25% ▲ 0.70 pts · high 4.25% / low 3.55%
2.85%3.90%4.95%Sep 14, 2026: 3.55% APYOct 30, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Oct 30, 20264.25%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
Certificates of Deposit - 36 months
$500
4.25% ▲ 1.11% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.14%▲ 1.11% above avgNationally 2.82%
Details

Dividends Paid: Monthly; Penalty for early withdrawal

Rate History
1 change since Oct 19, 2026 · 3.55% → 4.25% ▲ 0.70 pts · high 4.25% / low 3.55%
2.85%3.90%4.95%Oct 19, 2026: 3.55% APYOct 30, 2026: 4.25% APYOct 19, 2026Oct 31, 2026
  • Oct 30, 20264.25%▲ from 3.55%
  • Oct 19, 20263.55%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Year Regular, IRA & Business Jumbo Certificates
$0
4.24% ▲ 1.10% above Louisiana avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.14%▲ 1.10% above avgNationally 2.82%
Details

Rate History
No change since Oct 14, 2026 · 4.24% APY · checked 4 times
3.74%4.24%4.74%Oct 14, 2026: 4.24% APYOct 14, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CDVantage CD
$100,000
4.20% ▲ 1.06% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.14%▲ 1.06% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 21, 2026: 4.20% APYOct 21, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 36 Month
$0
4.17% ▲ 1.03% above Louisiana avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.14%▲ 1.03% above avgNationally 2.82%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.17% APY · checked 2 times
3.67%4.17%4.67%Oct 23, 2026: 4.17% APYOct 23, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificate - 36 Month
$0
4.17% ▲ 1.03% above Louisiana avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.14%▲ 1.03% above avgNationally 2.82%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Oct 29, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 29, 2026: 4.17% APYOct 29, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15% ▲ 1.01% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.14%▲ 1.01% above avgNationally 2.82%
Details

Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CDVantage CD
$100,000
4.15% ▲ 1.01% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.14%▲ 1.01% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 31, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3-Year Certificate
$500
4.15% ▲ 1.01% above Louisiana avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.14%▲ 1.01% above avgNationally 2.82%
Details

Rate History
1 change since Sep 25, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10%
3.60%4.13%4.65%Sep 25, 2026: 4.10% APYOct 4, 2026: 4.15% APYSep 25, 2026Oct 31, 2026
  • Oct 4, 20264.15%▲ from 4.10%
  • Sep 25, 20264.10%first recorded
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Share & IRA Certificate - 36-Month Certificate
$1,000
4.15% ▲ 1.01% above Louisiana avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.14%▲ 1.01% above avgNationally 2.82%
Details

Rate History
No change since Oct 23, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 23, 2026: 4.15% APYOct 23, 2026Oct 31, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.14% ▲ 1.00% above Louisiana avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.14%▲ 1.00% above avgNationally 2.82%
Details

Rate History
No change since Oct 14, 2026 · 4.14% APY · checked 4 times
3.64%4.14%4.64%Oct 14, 2026: 4.14% APYOct 14, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10% ▲ 0.96% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.14%▲ 0.96% above avgNationally 2.82%
Details

Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CDVantage CD
$100,000
4.10% ▲ 0.96% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.14%▲ 0.96% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 21, 2026: 4.10% APYOct 21, 2026Oct 31, 2026
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
CD - 36 months
$0
4.07% ▲ 0.93% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.14%▲ 0.93% above avgNationally 2.82%
Details

Rate History
No change since Oct 23, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 23, 2026: 4.07% APYOct 23, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CDVantage CD
$100,000
4.05% ▲ 0.91% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.14%▲ 0.91% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 21, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 21, 2026: 4.05% APYOct 21, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
3 Year Super Saver Share Certificate
$100,000
4.05% ▲ 0.91% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.14%▲ 0.91% above avgNationally 2.82%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.05% APYSep 14, 2026Oct 31, 2026
  • Oct 13, 20264.05%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Year Regular, IRA & Business Certificates
$0
4.03% ▲ 0.89% above Louisiana avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.14%▲ 0.89% above avgNationally 2.82%
Details

Rate History
No change since Oct 14, 2026 · 4.03% APY · checked 4 times
3.53%4.03%4.53%Oct 14, 2026: 4.03% APYOct 14, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month IRA Certificates
$0
4.02% ▲ 0.88% above Louisiana avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.14%▲ 0.88% above avgNationally 2.82%
Details

Early withdrawal penalty may apply

Rate History
1 change since Oct 13, 2026 · 3.86% → 4.02% ▲ 0.16 pts · high 4.02% / low 3.86%
3.36%3.94%4.52%Oct 13, 2026: 3.86% APYOct 29, 2026: 4.02% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20264.02%▲ from 3.86%
  • Oct 13, 20263.86%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificate - 36 Month
$0
4.02% ▲ 0.88% above Louisiana avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.14%▲ 0.88% above avgNationally 2.82%
Details

Minimum daily balance to earn APY: $2,500

Rate History
No change since Oct 29, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 29, 2026: 4.02% APYOct 29, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CDVantage CD
$100,000
4.00% ▲ 0.86% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.14%▲ 0.86% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 21, 2026: 4.00% APYOct 21, 2026Oct 31, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
3-Year Regular Certificate or IRA Certificate
$2,000
4.00% ▲ 0.86% above Louisiana avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.14%▲ 0.86% above avgNationally 2.82%
Details

Deposit: $2,000-$9,999

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
3 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.00% ▲ 0.86% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.14%▲ 0.86% above avgNationally 2.82%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 13, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 13, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Centric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
Regular Certificate - 36 Months
$0
4.00% ▲ 0.86% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.14%▲ 0.86% above avgNationally 2.82%
Details

Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 10, 20264.00%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
Thrifty Saver Share Certificate - 3 Years
$500
3.95% ▲ 0.81% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.14%▲ 0.81% above avgNationally 2.82%
Details

Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
2.95%3.70%4.45%Sep 14, 2026: 3.45% APYOct 23, 2026: 3.95% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20263.95%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
36 Month Jumbo IRA Certificates
$0
3.90% ▲ 0.76% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.14%▲ 0.76% above avgNationally 2.82%
Details

Rate History
No change since Sep 20, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 20, 2026: 3.90% APYSep 20, 2026Oct 31, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 36 Months
$500
3.82% ▲ 0.68% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.14%▲ 0.68% above avgNationally 2.82%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; APY shown Monthly/Quarterly

Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 15, 2026: 3.82% APYOct 15, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CDVantage CD
$100,000
3.80% ▲ 0.66% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.14%▲ 0.66% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 21, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
36 Month IRA Certificates
$0
3.80% ▲ 0.66% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.14%▲ 0.66% above avgNationally 2.82%
Details

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
36 Month Jumbo Certificates
$0
3.80% ▲ 0.66% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.14%▲ 0.66% above avgNationally 2.82%
Details

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
3 Year Certificate of Deposit
$2,500
3.70% ▲ 0.56% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.14%▲ 0.56% above avgNationally 2.82%
Details

Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Business Certificates of Deposit - 3 Years
$2,500
3.70% ▲ 0.56% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.14%▲ 0.56% above avgNationally 2.82%
Details

Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Certificates of Deposit - 3 Years
$2,500
3.70% ▲ 0.56% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.14%▲ 0.56% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA 3 Years
$500
3.70% ▲ 0.56% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.14%▲ 0.56% above avgNationally 2.82%
Details

Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
36 Month Share Certificates
$0
3.70% ▲ 0.56% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.14%▲ 0.56% above avgNationally 2.82%
Details

Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 20, 2026: 3.70% APYSep 20, 2026Oct 31, 2026

Minden 48 Month CD Rates

Louisiana 48 Month CD Average3.04% APYNational 2.81%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
918 Homer Rd, Minden, LA 71055
Share Certificate/IRA Share Certificate - 48 months
$1,000
4.25% ▲ 1.21% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 1.21% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
Certificate Account - 48 Months
$1,000
4.25% ▲ 1.21% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 1.21% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
IRA Certificate 48 Months
$1,000
4.25% ▲ 1.21% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 1.21% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
Plus Point Certificate - 48 Months
$1,000
4.25% ▲ 1.21% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 1.21% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
48 Month 360 CD
$0
3.50% ▲ 0.46% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.04%▲ 0.46% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 31, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1176 Homer Rd, Minden, LA 71055
Personal or Business Certificate of Deposit Products - 48 Months
$0
2.02% ▼ 1.02% below Louisiana avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.04%▼ 1.02% below avgNationally 2.81%
Details

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

Rate History
No change since Oct 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Oct 14, 2026: 2.02% APYOct 14, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
4 Year Super Saver Share Certificate
$100,000
4.50% ▲ 1.46% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.04%▲ 1.46% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
2.70%4.05%5.40%Sep 14, 2026: 3.60% APYOct 13, 2026: 4.50% APYSep 14, 2026Oct 31, 2026
  • Oct 13, 20264.50%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Jumbo Certificates
$0
4.47% ▲ 1.43% above Louisiana avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.04%▲ 1.43% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.47% APY · checked 4 times
3.97%4.47%4.97%Oct 14, 2026: 4.47% APYOct 14, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
4 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.45% ▲ 1.41% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.04%▲ 1.41% above avgNationally 2.81%
Details

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

Rate History
2 changes since Sep 14, 2026 · 3.55% → 4.45% ▲ 0.90 pts · high 4.45% / low 3.55%
2.65%4.00%5.35%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.05% APYOct 15, 2026: 4.45% APYSep 14, 2026Oct 31, 2026
  • Oct 15, 20264.45%▲ from 4.05%
  • Oct 13, 20264.05%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$0
4.40% ▲ 1.36% above Louisiana avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.04%▲ 1.36% above avgNationally 2.81%
Details

Rate Effective Date: October 29, 2026

Rate History
No change since Oct 23, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 23, 2026: 4.40% APYOct 23, 2026Oct 31, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.36% ▲ 1.32% above Louisiana avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.04%▲ 1.32% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.36% APY · checked 4 times
3.86%4.36%4.86%Oct 14, 2026: 4.36% APYOct 14, 2026Oct 31, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30% ▲ 1.26% above Louisiana avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.04%▲ 1.26% above avgNationally 2.81%
Details

Minimum Deposit $500

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 31, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Certificates
$0
4.26% ▲ 1.22% above Louisiana avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.04%▲ 1.22% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.26% APY · checked 4 times
3.76%4.26%4.76%Oct 14, 2026: 4.26% APYOct 14, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CDVantage CD
$100,000
4.25% ▲ 1.21% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.04%▲ 1.21% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
CDVantage CD - 48 Months
$100,000
4.25% ▲ 1.21% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.04%▲ 1.21% above avgNationally 2.81%
Details

Interest Frequency: Semi; Nationally sourced CD offering via CDVantage

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CDVantage CD
$100,000
4.20% ▲ 1.16% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.04%▲ 1.16% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 21, 2026: 4.20% APYOct 21, 2026Oct 31, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4-Year Certificate
$500
4.20% ▲ 1.16% above Louisiana avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 1.16% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 4.12% → 4.20% ▲ 0.08 pts · high 4.20% / low 4.12%
3.62%4.16%4.70%Sep 25, 2026: 4.12% APYOct 4, 2026: 4.20% APYSep 25, 2026Oct 31, 2026
  • Oct 4, 20264.20%▲ from 4.12%
  • Sep 25, 20264.12%first recorded
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Share & IRA Certificate - 48-Month Certificate
$1,000
4.20% ▲ 1.16% above Louisiana avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 1.16% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 23, 2026: 4.20% APYOct 23, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 48 Month
$0
4.17% ▲ 1.13% above Louisiana avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.04%▲ 1.13% above avgNationally 2.81%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
1 change since Oct 23, 2026 · 4.12% → 4.17% ▲ 0.05 pts · high 4.17% / low 4.12%
3.62%4.15%4.67%Oct 23, 2026: 4.12% APYOct 29, 2026: 4.17% APYOct 23, 2026Oct 31, 2026
  • Oct 29, 20264.17%▲ from 4.12%
  • Oct 23, 20264.12%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificate - 48 Month
$0
4.17% ▲ 1.13% above Louisiana avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.04%▲ 1.13% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Oct 29, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 29, 2026: 4.17% APYOct 29, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CDVantage CD
$100,000
4.15% ▲ 1.11% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.04%▲ 1.11% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 31, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
48 Month Certificate of Deposit
$500
4.15% ▲ 1.11% above Louisiana avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.04%▲ 1.11% above avgNationally 2.81%
Details

Dividends Paid: Monthly

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.15% ▲ 0.70 pts · high 4.15% / low 3.45%
2.75%3.80%4.85%Sep 14, 2026: 3.45% APYOct 30, 2026: 4.15% APYSep 14, 2026Oct 31, 2026
  • Oct 30, 20264.15%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
Certificates of Deposit - 48 months
$500
4.15% ▲ 1.11% above Louisiana avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.04%▲ 1.11% above avgNationally 2.81%
Details

Dividends Paid: Monthly; Penalty for early withdrawal

Rate History
1 change since Oct 19, 2026 · 3.45% → 4.15% ▲ 0.70 pts · high 4.15% / low 3.45%
2.75%3.80%4.85%Oct 19, 2026: 3.45% APYOct 30, 2026: 4.15% APYOct 19, 2026Oct 31, 2026
  • Oct 30, 20264.15%▲ from 3.45%
  • Oct 19, 20263.45%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
4 Year Super Saver Share Certificate
$100,000
4.10% ▲ 1.06% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.04%▲ 1.06% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 14, 2026: 3.60% APYOct 13, 2026: 4.10% APYSep 14, 2026Oct 31, 2026
  • Oct 13, 20264.10%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CDVantage CD
$100,000
4.05% ▲ 1.01% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.04%▲ 1.01% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 21, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 21, 2026: 4.05% APYOct 21, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
4 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.05% ▲ 1.01% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.04%▲ 1.01% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.05% APYSep 14, 2026Oct 31, 2026
  • Oct 13, 20264.05%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month IRA Certificates
$0
4.02% ▲ 0.98% above Louisiana avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.04%▲ 0.98% above avgNationally 2.81%
Details

Early withdrawal penalty may apply

Rate History
1 change since Oct 13, 2026 · 3.81% → 4.02% ▲ 0.21 pts · high 4.02% / low 3.81%
3.31%3.92%4.52%Oct 13, 2026: 3.81% APYOct 29, 2026: 4.02% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20264.02%▲ from 3.81%
  • Oct 13, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificate - 48 Month
$0
4.02% ▲ 0.98% above Louisiana avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.04%▲ 0.98% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $2,500

Rate History
No change since Oct 29, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 29, 2026: 4.02% APYOct 29, 2026Oct 31, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
48 Month Share Certificate
$0
4.00% ▲ 0.96% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 0.96% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 31, 2026
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
IRA 48 Month Certificate
$0
4.00% ▲ 0.96% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 0.96% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
Thrifty Saver Share Certificate - 4 Years
$500
4.00% ▲ 0.96% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.04%▲ 0.96% above avgNationally 2.81%
Details

Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 23, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Centric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
Regular Certificate - 48 Months
$0
4.00% ▲ 0.96% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.04%▲ 0.96% above avgNationally 2.81%
Details

Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 10, 20264.00%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
48 Month Jumbo IRA Certificates
$0
3.90% ▲ 0.86% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 0.86% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 20, 2026: 3.90% APYSep 20, 2026Oct 31, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 48 Months
$500
3.82% ▲ 0.78% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 0.78% above avgNationally 2.81%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; APY shown Monthly/Quarterly

Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 15, 2026: 3.82% APYOct 15, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CDVantage CD
$200,000
3.80% ▲ 0.76% above Louisiana avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.04%▲ 0.76% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 21, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
48 Month IRA Certificates
$0
3.80% ▲ 0.76% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 0.76% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
48 Month Jumbo Certificates
$0
3.80% ▲ 0.76% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 0.76% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
48 Month Share Certificates
$0
3.70% ▲ 0.66% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 0.66% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 20, 2026: 3.70% APYSep 20, 2026Oct 31, 2026
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Share Certificate - 4 Years
$0
3.70% ▲ 0.66% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.04%▲ 0.66% above avgNationally 2.81%
Details

Balance: $1,000+; Step-Up Option: Available (table lists three Available entries for five terms)

Rate History
No change since Oct 26, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 26, 2026: 3.70% APYOct 26, 2026Oct 31, 2026
Ascension Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
48 Month Share Certificate
$0
3.67% ▲ 0.63% above Louisiana avg
View
▼
Rate3.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.04%▲ 0.63% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.67% APY · checked 8 times
3.17%3.67%4.17%Sep 14, 2026: 3.67% APYSep 14, 2026Oct 31, 2026
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
48 Month Share Certificates
$0
3.60% ▲ 0.56% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 0.56% above avgNationally 2.81%
Details

% As High As; APY*

Rate History
No change since Oct 4, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 4, 2026: 3.60% APYOct 4, 2026Oct 31, 2026
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Share Certificate - 48 months
$0
3.60% ▲ 0.56% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 0.56% above avgNationally 2.81%
Details

As High As

Rate History
No change since Oct 23, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 23, 2026: 3.60% APYOct 23, 2026Oct 31, 2026
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Share Certificates - 48 month
$0
3.60% ▲ 0.56% above Louisiana avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 0.56% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 3.44% → 3.60% ▲ 0.16 pts · high 3.60% / low 3.44%
2.94%3.52%4.10%Sep 12, 2026: 3.44% APYOct 8, 2026: 3.60% APYSep 12, 2026Oct 31, 2026
  • Oct 8, 20263.60%▲ from 3.44%
  • Sep 12, 20263.44%first recorded
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
4 Year Share Certificate
$0
3.55% ▲ 0.51% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.04%▲ 0.51% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40%
2.90%3.47%4.05%Sep 14, 2026: 3.40% APYOct 9, 2026: 3.55% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20263.55%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Department Of Corrections Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
IRA Certificate - 4 Years
$500
3.55% ▲ 0.51% above Louisiana avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.04%▲ 0.51% above avgNationally 2.81%
Details

IRA Certificate (Traditional or Roth); $500 minimum deposit; Early Withdrawal penalty: 90 days dividends or all dividends earned, whichever is least

Rate History
No change since Oct 26, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 26, 2026: 3.55% APYOct 26, 2026Oct 31, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 48 Month
$0
3.41% ▲ 0.37% above Louisiana avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.04%▲ 0.37% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
2.91%3.41%3.91%Oct 20, 2026: 3.41% APYOct 20, 2026Oct 31, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
48 Month Certificate Account
$0
3.35% ▲ 0.31% above Louisiana avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 0.31% above avgNationally 2.81%
Details

Dividends credited quarterly

Rate History
No change since Oct 23, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 23, 2026: 3.35% APYOct 23, 2026Oct 31, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Certificate Account - 48 months
$0
3.35% ▲ 0.31% above Louisiana avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 0.31% above avgNationally 2.81%
Details

Dividends credited quarterly

Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 15, 2026: 3.35% APYOct 15, 2026Oct 31, 2026
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Certificate Accounts - 48 months
$0
3.35% ▲ 0.31% above Louisiana avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.04%▲ 0.31% above avgNationally 2.81%
Details

Dividends credited quarterly

Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 15, 2026: 3.35% APYOct 15, 2026Oct 31, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
48 Month Certificate of Deposit
$0
3.25% ▲ 0.21% above Louisiana avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.04%▲ 0.21% above avgNationally 2.81%
Details

Accurate as of 09/30/2026; Minimum Balance $500

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 31, 2026

Minden 60 Month CD Rates

Louisiana 60 Month CD Average3.18% APYNational 2.92%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
918 Homer Rd, Minden, LA 71055
Share Certificate/IRA Share Certificate - 60 months
$1,000
4.25% ▲ 1.07% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.18%▲ 1.07% above avgNationally 2.92%
Details

Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
Certificate Account - 60 Months
$1,000
4.25% ▲ 1.07% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.18%▲ 1.07% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
IRA Certificate 60 Months
$1,000
4.25% ▲ 1.07% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.18%▲ 1.07% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
Plus Point Certificate - 60 Months
$1,000
4.25% ▲ 1.07% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.18%▲ 1.07% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
105 Richards Way, Minden, LA 71055
Flex Certificate Account - 60 Months
$2,500
3.75% ▲ 0.57% above Louisiana avg
View
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.18%▲ 0.57% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 31, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
5-year online CDs
$0
3.60% ▲ 0.42% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.18%▲ 0.42% above avgNationally 2.92%
Details

CD rates fixed upon opening; no minimum deposit required

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 9 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 31, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
618 Main St, Minden, LA 71055
60 Month 360 CD
$0
3.60% ▲ 0.42% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.18%▲ 0.42% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 31, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1176 Homer Rd, Minden, LA 71055
IRA 60 Month
$0
2.02% ▼ 1.16% below Louisiana avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.18%▼ 1.16% below avgNationally 2.92%
Details

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

Rate History
No change since Oct 20, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Oct 20, 2026: 2.02% APYOct 20, 2026Oct 31, 2026
Bonvenu Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1176 Homer Rd, Minden, LA 71055
Personal or Business Certificate of Deposit Products - 60 Months
$0
2.02% ▼ 1.16% below Louisiana avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.18%▼ 1.16% below avgNationally 2.92%
Details

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

Rate History
No change since Oct 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Oct 14, 2026: 2.02% APYOct 14, 2026Oct 31, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
60 Month Jumbo Share Certificates (CDs)
$1,000
4.95% ▲ 1.77% above Louisiana avg
View
▼
Rate4.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.18%▲ 1.77% above avgNationally 2.92%
Details

Jumbo rate; standard jumbo rates available on deposits of $95,000 or more

Rate History
No change since Oct 26, 2026 · 4.95% APY · checked 2 times
4.45%4.95%5.45%Oct 26, 2026: 4.95% APYOct 26, 2026Oct 31, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Jumbo Certificates
$0
4.87% ▲ 1.69% above Louisiana avg
View
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.18%▲ 1.69% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.87% APY · checked 4 times
4.37%4.87%5.37%Oct 14, 2026: 4.87% APYOct 14, 2026Oct 31, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.76% ▲ 1.58% above Louisiana avg
View
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.18%▲ 1.58% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.76% APY · checked 4 times
4.26%4.76%5.26%Oct 14, 2026: 4.76% APYOct 14, 2026Oct 31, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Certificates
$0
4.66% ▲ 1.48% above Louisiana avg
View
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.18%▲ 1.48% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.66% APY · checked 4 times
4.16%4.66%5.16%Oct 14, 2026: 4.66% APYOct 14, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
5 Year Super Saver Share Certificate
$100,000
4.55% ▲ 1.37% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.18%▲ 1.37% above avgNationally 2.92%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.55% ▲ 0.90 pts · high 4.55% / low 3.65%
2.75%4.10%5.45%Sep 14, 2026: 3.65% APYOct 13, 2026: 4.55% APYSep 14, 2026Oct 31, 2026
  • Oct 13, 20264.55%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$0
4.40% ▲ 1.22% above Louisiana avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.18%▲ 1.22% above avgNationally 2.92%
Details

Rate Effective Date: October 29, 2026

Rate History
No change since Oct 23, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 23, 2026: 4.40% APYOct 23, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CDVantage CD
$100,000
4.30% ▲ 1.12% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.18%▲ 1.12% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 21, 2026: 4.30% APYOct 21, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
CDVantage CD - 60 Months
$100,000
4.30% ▲ 1.12% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.18%▲ 1.12% above avgNationally 2.92%
Details

Interest Frequency: Semi; Nationally sourced CD offering via CDVantage

Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 21, 2026: 4.30% APYOct 21, 2026Oct 31, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$500
4.30% ▲ 1.12% above Louisiana avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.18%▲ 1.12% above avgNationally 2.92%
Details

Minimum Deposit $500

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 31, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CDVantage CD
$100,000
4.25% ▲ 1.07% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.18%▲ 1.07% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 31, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
5-Year Regular Certificate or IRA Certificate
$10,000
4.25% ▲ 1.07% above Louisiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.18%▲ 1.07% above avgNationally 2.92%
Details

Deposit: $10,000+

Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 31, 2026
ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Share & IRA Certificate - 60-Month Certificate
$1,000
4.25% ▲ 1.07% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.18%▲ 1.07% above avgNationally 2.92%
Details

Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
60 Month Certificate of Deposit
$500
4.25% ▲ 1.07% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.18%▲ 1.07% above avgNationally 2.92%
Details

Dividends Paid: Monthly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 14, 2026: 3.50% APYOct 30, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Oct 30, 20264.25%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
Certificates of Deposit - 60 months
$500
4.25% ▲ 1.07% above Louisiana avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.18%▲ 1.07% above avgNationally 2.92%
Details

Dividends Paid: Monthly; Penalty for early withdrawal

Rate History
1 change since Oct 19, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Oct 19, 2026: 3.50% APYOct 30, 2026: 4.25% APYOct 19, 2026Oct 31, 2026
  • Oct 30, 20264.25%▲ from 3.50%
  • Oct 19, 20263.50%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CDVantage CD
$100,000
4.20% ▲ 1.02% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.18%▲ 1.02% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 21, 2026: 4.20% APYOct 21, 2026Oct 31, 2026
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
5-Year Certificate
$500
4.20% ▲ 1.02% above Louisiana avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.18%▲ 1.02% above avgNationally 2.92%
Details

Rate History
1 change since Sep 25, 2026 · 4.12% → 4.20% ▲ 0.08 pts · high 4.20% / low 4.12%
3.62%4.16%4.70%Sep 25, 2026: 4.12% APYOct 4, 2026: 4.20% APYSep 25, 2026Oct 31, 2026
  • Oct 4, 20264.20%▲ from 4.12%
  • Sep 25, 20264.12%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 60 Month
$0
4.17% ▲ 0.99% above Louisiana avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.18%▲ 0.99% above avgNationally 2.92%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
1 change since Oct 23, 2026 · 4.12% → 4.17% ▲ 0.05 pts · high 4.17% / low 4.12%
3.62%4.15%4.67%Oct 23, 2026: 4.12% APYOct 29, 2026: 4.17% APYOct 23, 2026Oct 31, 2026
  • Oct 29, 20264.17%▲ from 4.12%
  • Oct 23, 20264.12%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificate - 60 Month
$0
4.17% ▲ 0.99% above Louisiana avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.18%▲ 0.99% above avgNationally 2.92%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Oct 29, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 29, 2026: 4.17% APYOct 29, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CDVantage CD
$100,000
4.15% ▲ 0.97% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.18%▲ 0.97% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
5 Year Super Saver Share Certificate
$100,000
4.15% ▲ 0.97% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.18%▲ 0.97% above avgNationally 2.92%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.65%
3.15%3.90%4.65%Sep 14, 2026: 3.65% APYOct 13, 2026: 4.15% APYSep 14, 2026Oct 31, 2026
  • Oct 13, 20264.15%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
5 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.10% ▲ 0.92% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.18%▲ 0.92% above avgNationally 2.92%
Details

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

Rate History
1 change since Sep 29, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 29, 2026: 3.60% APYOct 13, 2026: 4.10% APYSep 29, 2026Oct 31, 2026
  • Oct 13, 20264.10%▲ from 3.60%
  • Sep 29, 20263.60%first recorded
Noda Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
CD - 60 months
$0
4.07% ▲ 0.89% above Louisiana avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.18%▲ 0.89% above avgNationally 2.92%
Details

Rate History
No change since Oct 23, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 23, 2026: 4.07% APYOct 23, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CDVantage CD
$100,000
4.05% ▲ 0.87% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.18%▲ 0.87% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 21, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 21, 2026: 4.05% APYOct 21, 2026Oct 31, 2026
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
Thrifty Saver Share Certificate - 5 Years
$500
4.05% ▲ 0.87% above Louisiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.18%▲ 0.87% above avgNationally 2.92%
Details

Dividends Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Sep 14, 2026: 3.55% APYOct 23, 2026: 4.05% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20264.05%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month IRA Certificates
$0
4.02% ▲ 0.84% above Louisiana avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.18%▲ 0.84% above avgNationally 2.92%
Details

Early withdrawal penalty may apply

Rate History
1 change since Oct 13, 2026 · 3.84% → 4.02% ▲ 0.18 pts · high 4.02% / low 3.84%
3.34%3.93%4.52%Oct 13, 2026: 3.84% APYOct 29, 2026: 4.02% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20264.02%▲ from 3.84%
  • Oct 13, 20263.84%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificate - 60 Month
$0
4.02% ▲ 0.84% above Louisiana avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Louisiana Average3.18%▲ 0.84% above avgNationally 2.92%
Details

Minimum daily balance to earn APY: $2,500

Rate History
No change since Oct 29, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 29, 2026: 4.02% APYOct 29, 2026Oct 31, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
5-Year Regular Certificate or IRA Certificate
$2,000
4.00% ▲ 0.82% above Louisiana avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.18%▲ 0.82% above avgNationally 2.92%
Details

Deposit: $2,000-$9,999

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 31, 2026
Centric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
Regular Certificate - 60 Months
$0
4.00% ▲ 0.82% above Louisiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.18%▲ 0.82% above avgNationally 2.92%
Details

Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 10, 20264.00%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
60 Month Jumbo IRA Certificates
$0
3.95% ▲ 0.77% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.18%▲ 0.77% above avgNationally 2.92%
Details

Rate History
No change since Sep 20, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 20, 2026: 3.95% APYSep 20, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.90% ▲ 0.72% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.18%▲ 0.72% above avgNationally 2.92%
Details

Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CDVantage CD
$200,000
3.90% ▲ 0.72% above Louisiana avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.18%▲ 0.72% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 21, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 21, 2026: 3.90% APYOct 21, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.85% ▲ 0.67% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Louisiana Average3.18%▲ 0.67% above avgNationally 2.92%
Details

Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
60 Month IRA Certificates
$0
3.85% ▲ 0.67% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.18%▲ 0.67% above avgNationally 2.92%
Details

Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 20, 2026: 3.85% APYSep 20, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
60 Month Jumbo Certificates
$0
3.85% ▲ 0.67% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.18%▲ 0.67% above avgNationally 2.92%
Details

Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 20, 2026: 3.85% APYSep 20, 2026Oct 31, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 60 Months
$500
3.82% ▲ 0.64% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.18%▲ 0.64% above avgNationally 2.92%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; APY shown Monthly/Quarterly

Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 15, 2026: 3.82% APYOct 15, 2026Oct 31, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CDVantage CD
$100,000
3.80% ▲ 0.62% above Louisiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.18%▲ 0.62% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 21, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Oct 31, 2026
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
60 Month Share Certificates
$0
3.75% ▲ 0.57% above Louisiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Louisiana Average3.18%▲ 0.57% above avgNationally 2.92%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 31, 2026
Bayou Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
60-Month CD
$10,000
3.75% ▲ 0.57% above Louisiana avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Louisiana Average3.18%▲ 0.57% above avgNationally 2.92%
Details

New Money Only; Pays Monthly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 10 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
5 Year Certificate of Deposit
$2,500
3.70% ▲ 0.52% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.18%▲ 0.52% above avgNationally 2.92%
Details

Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Business Certificates of Deposit - 5 Years
$2,500
3.70% ▲ 0.52% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.18%▲ 0.52% above avgNationally 2.92%
Details

Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 31, 2026
Bank of Zachary
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Certificates of Deposit - 5 Years
$2,500
3.70% ▲ 0.52% above Louisiana avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Louisiana Average3.18%▲ 0.52% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 31, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Minden, Louisiana Institutions

Highest verified APYs available today, updated October 31, 2026

B Top 5 Bank Rates
Capital One Bank
1-year online CDs
A 5.0 ★ TX: 7.00%
Min: $0
4.00%
Bonvenu Bank
Personal or Business Certificate of Deposit Products - 6 Months
A+ 5.0 ★ TX: 0.95%
Min: $0
3.55%
Landmark Bank
18-Month CD
B+ 4.8 ★ TX: 17.80%
Min: $0
4.30%
Anthem Bank & Trust
60 Month CDVantage CD
A+ 5.0 ★ TX: 3.32%
Min: $100,000
4.30%
Fidelity Bank New Orleans, LA
18 Month CD/IRA Special
A 5.0 ★ TX: 6.25%
Min: $1,000
4.30%
CU Top 5 Credit Union Rates
Carter Federal Credit Union
Share Certificate/IRA Share Certificate - 36 months
C- 3.8 ★ TX: 29.75%
Min: $1,000
4.25%
Barksdale Federal Credit Union
Certificate Account - 24 Months
A 5.0 ★ TX: 11.05%
Min: $1,000
4.25%
Hope Federal Credit Union Jackson, MS
60 Month Jumbo Share Certificates (CDs)
A 5.0 ★ TX: 7.78%
Min: $1,000
4.95%
Advancial Federal Credit Union
5 Year Regular, IRA & Business Jumbo Certificates
A 5.0 ★ TX: 12.30%
Min: $0
4.87%
La Capitol Federal Credit Union
5 Year Super Saver Share Certificate
A 5.0 ★ TX: 7.48%
Min: $100,000
4.55%
Rates verified October 31, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

Minden, LA CD Rate Trends

Compare local Minden, LA CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Louisiana CD Trends
12-Month CD LA Avg
3.450%
▲ 0.003 vs 7 days ago

Louisiana 12-month CD rates rose 0.003 points over the past 7 days to 3.450% APY.

6-Month CD LA Avg
3.162%
▲ 0.031 vs 7 days ago

Louisiana 6-month CD rates rose 0.031 points over the past 7 days to 3.162% APY.

As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions

LA CD Rate Forecast, Next 12 Months

Where are Louisiana CD rates headed through October 2027?

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

LA 12-Month Avg APY
3.450%
6-Month Forecast
3.450%
Range: 3.25%, 3.60%
12-Month Forecast
3.700%
Range: 3.50%, 3.85%

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

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

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

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

Powered by MonitorBankRates

What Your Savings Earn at LA CD Rates Today

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

CD Term LA Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.351% $117.52 $235.05 $587.63 $1,175.25
6-Month CD 3.162% $158.11 $316.22 $790.55 $1,581.10
12-Month CD 3.450% $172.51 $345.01 $862.53 $1,725.05
18-Month CD 3.535% $176.77 $353.53 $883.82 $1,767.65
24-Month CD 3.256% $162.78 $325.56 $813.90 $1,627.80
36-Month CD 3.144% $157.18 $314.36 $785.90 $1,571.80
48-Month CD 3.039% $151.96 $303.92 $759.80 $1,519.60
60-Month CD 3.179% $158.97 $317.93 $794.83 $1,589.65
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Minden, Louisiana Savers

$25,000 split equally across 5 terms using today’s Louisiana average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit LA Avg APY Annual Earnings
1 3-Month CD $5,000 2.351% $117.52
2 6-Month CD $5,000 3.162% $158.11
3 12-Month CD $5,000 3.450% $172.51
4 24-Month CD $5,000 3.256% $162.78
5 36-Month CD $5,000 3.144% $157.18
Total ($25,000 invested) $25,000 3.072% blended $768.10/yr

Ladder example uses equal $5,000 rungs and Louisiana average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

Powered byMonitorBankRates
877
CD Rates
Tracked in Minden, Louisiana
26 Banks 59 Credit Unions

About Our Minden, Louisiana CD Rate Database

MonitorBankRates tracks 877 CD rates from 26 banks and 59 credit unions with locations in Minden, Louisiana, plus national online institutions available to Louisiana residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Carter Federal Credit Union offers a CD at 4.25% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Minden, Louisiana.

How to Find the Best CD Rates in Minden, Louisiana

What to compare when shopping for a CD in Minden, Louisiana

To find the best APYs in Minden, Louisiana, start with credit unions and online-only banks: Minden, Louisiana has 59 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 Minden, 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 Minden, Louisiana: 85 institutions here report CD rates

Consider an Alternative If…

Minden, Louisiana Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
17.2%
National avg: 17.3%
Median Individual Earnings
$22,802
National avg: $47,340
Poverty Rate
26.7%
National avg: 11.1%
Unemployment Rate
2.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$79/yr
At LA 12-mo avg 3.450% APY

17.2% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 2.7% reflects a strong local economy. At today’s LA 12-month CD average of 3.450%, saving 10% of the local median salary ($2,280/year) and putting it in a CD would earn an additional $79 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 Minden, Louisiana

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

CD Product Information

How CDs Work

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 Minden, 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 Minden, Louisiana as everywhere in the U.S.

CD Terms

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Minden, Louisiana savers easier access to their funds. For example, Carter Federal Credit Union is offering its Share Certificate/IRA Share Certificate - 6 months at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Carter Federal Credit Union is offering its Share Certificate/IRA Share Certificate - 60 months at 4.25% 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

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 Minden, 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

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 Minden, 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

Most CDs carry a fixed rate that is locked for the entire term, protecting a Minden, 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 Minden, Louisiana

What are CD rates in Minden, Louisiana today?

Minden, Louisiana CD rates range from 0.05% to 4.95% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 4.25% APY at Carter Federal Credit Union (Share Certificate/IRA Share Certificate - 36 months), 4.25% at Barksdale Federal Credit Union (Certificate Account - 24 Months) and 4.00% at Capital One Bank (1-year online CDs), compared with the MonitorBankRates national 12 month average of 3.01% APY.

Are CD rates in Minden, Louisiana FDIC insured?

Yes, most established banks in Minden, 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 Minden, 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 Minden, 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 Minden, 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 Minden, Louisiana?

Here are recent top rates found for this area:
  • Carter Federal Credit Union: 4.25% APY (Share Certificate/IRA Share Certificate - 36 months)
  • Barksdale Federal Credit Union: 4.25% APY (Certificate Account - 24 Months)
  • Capital One Bank: 4.00% APY (1-year online CDs)
  • Bonvenu Bank: 3.55% APY (Personal or Business Certificate of Deposit Products - 6 Months)
  • Hope Federal Credit Union Jackson, MS: 4.95% APY (60 Month Jumbo Share Certificates (CDs))
  • Advancial Federal Credit Union: 4.87% APY (5 Year Regular, IRA & Business Jumbo Certificates)
  • La Capitol Federal Credit Union: 4.55% APY (5 Year Super Saver Share Certificate)
  • The New Orleans Firemens Federal Credit Union: 4.50% APY (2-Year Regular Certificate or IRA Certificate)
  • Chevron Federal Credit Union: 4.40% APY (36 Month Share Certificate)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
Rates reflect recent verified offers available in Minden, Louisiana. Last Updated: October 31, 2026

Minden, 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 Minden, Louisiana rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
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Ending Balance
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Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Minden, Louisiana CD Rates by Term

Verified October 31, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Minden, Louisiana. Averages shown use the Louisiana state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Minden, Louisiana

Minden, Louisiana CD Calculator

At today’s LA top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.

Minden, Louisiana CD Ladder

LA CD rates currently range from 2.351% (3-month) to 3.144% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Minden, Louisiana CD at 4.25% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Louisiana’s average 12-month CD is 3.450% 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 Minden, 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 Minden, 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 Minden, Louisiana. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in LA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 31, 2026

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