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Louisiana Savings Rate Trends

Ruby, Louisiana (LA) Savings Rates - March 2026

The best savings rates for Ruby, Louisiana and the surrounding area include FsnbFsnb2536 Airline Dr, Bossier City, LA 71111A5.0 ★Texas Ratio: 12.00% Cents-able Savings at 7.00% APY, Chevron Federal Credit UnionChevron Federal Credit Union100 Northpark Blvd # B1302A, Covington, LA 70433 5069A+5.0 ★Texas Ratio: 2.35% MySavings Youth at 7.00% APY, CENTRICCENTRIC1091 Thomas Rd, West Monroe, LA 71292 5821C+4.1 ★Texas Ratio: 25.48% Share Savings Account at 4.15% APY, Instep Credit UnionInstep Credit Union400 Russell Ave Bldg 509, New Orleans, LA 70143 5077A5.0 ★Texas Ratio: 7.88% Youth & Teen Savings at 4.09% APY, and Essential Credit UnionEssential Credit Union21925 Highway 1, Plaquemine, LA 70764 5132A5.0 ★Texas Ratio: 11.36% Prosperity Rewards Savings - Qualifying at 4.00% APY.

To see how these savings rates in Ruby, Louisiana, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Ruby, Louisiana (LA) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Ruby, Louisiana and the surrounding area. Last Updated and Verified: March 21, 2026

Ruby, LA Savings Rate Trends

Compare local Ruby, LA savings rate quotes against the statewide average

Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Louisiana Savings Trends →
High-Yield Savings — LA Avg
2.108%

Louisiana high-yield savings rates currently average 2.108% APY based on data from institutions in our monitoring network.

Standard Savings — LA Avg
0.918%

Louisiana standard savings rates currently average 0.918% APY based on data from institutions in our monitoring network.

As of Mar 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare the Best Savings Rates in Ruby, Louisiana & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2536 Airline Dr, Bossier City, LA 71111
Cents-able Savings
7.00%
$5
Rate7.00%
Min Deposit$5
Min Balance
UpdatedMar 16, 2026
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
MySavings Youth
7.00%
$0
Rate6.77%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 25.48%
1091 Thomas Rd, West Monroe, LA 71292 5821
Share Savings Account
4.15%
$0
Rate4.07%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Qualifying balance up to $20,000.00

Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
Youth & Teen Savings
4.09%
$5
Rate4.00%
Min Deposit$5
Min Balance
UpdatedMar 20, 2026
Details

CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 25.48%
1091 Thomas Rd, West Monroe, LA 71292 5821
Save Better Savings
4.01%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMar 21, 2026
Details

Qualifications Required: 12 debit card transactions to post to and settle to the account; 1 ACH credit (like a direct deposit); Enroll in an e-statement; Qualifying balance up to $50,000

Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
21925 Highway 1, Plaquemine, LA 70764 5132
Prosperity Rewards Savings - Qualifying
4.00%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
2321 Airline Dr, Bossier City, LA 71111 5810
IRA Prime Savings
3.75%
$0
Rate3.69%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
2443 Texas Ave, Shreveport, LA 71103
High Yield Savings Accounts
3.56%
$0
Rate3.50%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
Premier Savings
3.50%
$5
Rate3.45%
Min Deposit$5
Min Balance
UpdatedMar 18, 2026
Details

First Pioneers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
2235 S College Rd, Lafayette, LA 70508
Explorer Club Savings
3.30%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Qualifying balance up to $3,000.00

ANECA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4361 Youree Dr, Shreveport, LA 71105
Non-Profit Savings
3.30%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
618 Main St, Minden, LA 71055
360 Performance Savings
3.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
639 Loyola Ave Ste 220, New Orleans, LA 70113 3130
High-Yield Savings
3.10%
$0
Rate3.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
Christmas Club Savings
3.05%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
Back to School Savings
3.05%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
2443 Texas Ave, Shreveport, LA 71103
High Yield Savings Accounts
3.04%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

CenLA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
708 Jackson St, Alexandria, LA 71301
IRA Share Account
3.04%
$100
Rate3.00%
Min Deposit$100
Min Balance
UpdatedMar 16, 2026
Details

Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
303 Edgewood Dr, Pineville, LA 71360 5444
Christmas Club Shares
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
2443 Texas Ave, Shreveport, LA 71103
High Yield Savings Accounts
2.79%
$0
Rate2.75%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
919 Washington St, Franklinton, LA 70438
Freestyle Savings Account
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
380 S Franklin St, Bastrop, LA 71220
IRA Savings
2.75%
$0
Rate2.75%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

($0 Opening Balance)

Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
123 N Oak St, Hammond, LA 70401
Gateway High Yield Savings
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Any balance below $250,000.01

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6151 Hwy 10, Greensburg, LA 70441
Savings Elite
2.53%
$0
Rate2.50%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6151 Hwy 10, Greensburg, LA 70441
SAVINGSELITE
2.53%
$25,000
Rate2.50%
Min Deposit$25,000
Min Balance
UpdatedMar 18, 2026
Details

Balances $25,000.00 or more

Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
919 Washington St, Franklinton, LA 70438
Freestyle Savings Account
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
919 Washington St, Franklinton, LA 70438
Freestyle Savings Account
2.25%
$0
Rate2.23%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Credit Human Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.04%
3001 Tulane Ave Ste 8, New Orleans, LA 70119 7200
Money Market Savings
2.16%
$0
Rate2.14%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
7288 Highway 509, Mansfield, LA 71052
Health Savings
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

GEISMAR COMPLEX
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
35294 Highway 30, Geismar, LA 70734
IRA SHARE ROTH
2.02%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
2443 Texas Ave, Shreveport, LA 71103
High Yield Savings Accounts
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Credit Human Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.04%
3001 Tulane Ave Ste 8, New Orleans, LA 70119 7200
Money Market Savings
1.80%
$0
Rate1.79%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
IRA Share Accounts (Roth & Traditional)
1.76%
$0
Rate1.75%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
2201 Veterans Memorial Blvd, Metairie, LA 70002
Savings
1.70%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 18, 2026
Details

Credit Human Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.04%
3001 Tulane Ave Ste 8, New Orleans, LA 70119 7200
Money Market Savings
1.55%
$0
Rate1.54%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
IRA Share Accounts (Roth & Traditional)
1.51%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
1420 Natchitoches St, West Monroe, LA 71292
Share IRA
1.51%
$5
Rate1.50%
Min Deposit$5
Min Balance
UpdatedMar 17, 2026
Details

Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
7288 Highway 509, Mansfield, LA 71052
Rewards Savings
1.50%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Qualifying balance up to $25,000.00

Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
400 Russell Ave Bldg 509, New Orleans, LA 70143 5077
IRA Share Accounts (Roth & Traditional)
1.26%
$0
Rate1.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Valex Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.45%
2495 Shreveport Hwy, Pineville, LA 71360
IRA Savings
1.25%
$0
Rate1.25%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

No Minimum balance required

Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
2443 Texas Ave, Shreveport, LA 71103
High Yield Savings Accounts
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Century Next Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
505 N Vienna St, Ruston, LA 71270
SPECIAL SAVINGS IRA
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
123 N Oak St, Hammond, LA 70401
Personal Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Any balance

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
100 Northpark Blvd # B1302A, Covington, LA 70433 5069
Primary Share Savings
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA 70401
Health Savings Account
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
4440 Nelson Rd, Lake Charles, LA 70605
TotalView Money Market Savings
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Century Next Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
505 N Vienna St, Ruston, LA 71270
SPECIAL SAVINGS IRA
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2536 Airline Dr, Bossier City, LA 71111
Savings Tier Three
0.70%
$0
Rate0.70%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25; Balances $50,000.00 or more

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
4440 Nelson Rd, Lake Charles, LA 70605
TotalView Money Market Savings
0.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
Vacation Club Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
4440 Nelson Rd, Lake Charles, LA 70605
TotalView Money Market Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Marion State Bank Marion, LA
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
345 Main St, Marion, LA 71260
Earl the Squirrel Savings
0.50%
$5
Rate0.50%
Min Deposit$5
Min Balance
UpdatedMar 20, 2026
Details

Marion State Bank Marion, LA
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
345 Main St, Marion, LA 71260
Personal Savings
0.50%
$100
Rate0.50%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
Christmas Club Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

BOSSIER
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
1871 Pine Grove Rd, Keithville, LA 71047
IRA Share
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 25.48%
1091 Thomas Rd, West Monroe, LA 71292 5821
Save Better Savings
0.50%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMar 21, 2026
Details

Balances exceeding $50,000 earn 0.50% APY

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2536 Airline Dr, Bossier City, LA 71111
Savings Tier Two
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25; Balances $5,000.00 to $49,999.99

Century Next Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
505 N Vienna St, Ruston, LA 71270
SPECIAL SAVINGS IRA
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

State Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
176 Washington Street, Golden Meadow, LA 70357
Sweep Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Heritage Bank of St Tammany
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
205 N Columbia St, Covington, LA 70433
Select Savings
0.40%
$10,000
Rate0.40%
Min Deposit$10,000
Min Balance
UpdatedMar 20, 2026
Details

CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 25.48%
1091 Thomas Rd, West Monroe, LA 71292 5821
Youth Savings
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Age 17 & under (Kidz Saver)

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.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Ruby, Louisiana directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Ruby, Louisiana. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in LA.

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

Frequently Asked Questions about Savings Accounts in Ruby, Louisiana

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Louisiana, help your money grow faster through a higher APY.

Are savings accounts in Ruby, Louisiana safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Louisiana up to $250,000 per depositor, per institution.

How often do savings rates change in Ruby, Louisiana?

Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Louisiana rate tables daily to ensure you see the most current high-yield options.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Ruby, Louisiana may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Ruby, Louisiana?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Ruby, Louisiana offer in-person customer service, which some customers prefer.

How do I open a savings account in Ruby, Louisiana?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Ruby, Louisiana

Here are recent savings rates observed in Ruby, Louisiana and the surrounding area:
  • Fsnb
    Cents-able Savings — 7.00% APY
  • Chevron Federal Credit Union
    MySavings Youth — 7.00% APY
  • CENTRIC
    Share Savings Account — 4.15% APY
  • Instep Credit Union
    Youth & Teen Savings — 4.09% APY
  • Essential Credit Union
    Prosperity Rewards Savings - Qualifying — 4.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Ruby, Louisiana. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 21, 2026