Bank · FDIC insured
Bank of Zachary CD Rates
Bank of Zachary’s best CD rate is 3.95% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Bank of Zachary’s CD rates compare
Compared with banks and credit unions near Baton Rouge, LA, where Bank of Zachary has the most branches. $10,000, best rate first.
This bank’s best
Bank of Zachary
3.95%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $395
Certificates of Deposit
Top rate
La Capitol Federal Credit Union
4.50%APY
- Term
- 37 months
- Minimum
- $500
- Earns on $10,000
- $1,454
2nd-highest rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
Bank of Zachary CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.70%
- QualifiedQualified3.95%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bank of Zachary ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.95%APY · 7 terms
No monthly service charge. Automatic renewals. Fixed interest rate for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.75% | $43 |
| 6 months | 3.50% | $173 |
| 12 months | 3.95% | $395 |
| 18 months | 3.75% | $568 |
| 24 months | 3.65% | $743 |
| 36 months | 3.70% | $1,152 |
| 60 months | 3.70% | $1,992 |
Sources (1)
- bankofzachary.com/personal/savings-cds-iras · captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 3.95%APY · 5 terms
Classified as a Certificate of Deposit. Traditional, Roth, and Coverdell Education Savings Accounts offered. No monthly service charge. Automatic renewals. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsInterest rate is fixed for the term | 3.95% | $395 |
| 18 monthsInterest rate is fixed for the term | 3.75% | $568 |
| 24 monthsInterest rate is fixed for the term | 3.65% | $743 |
| 36 monthsInterest rate is fixed for the term | 3.70% | $1,152 |
| 60 monthsInterest rate is fixed for the term | 3.70% | $1,992 |
Sources (1)
- bankofzachary.com/personal/savings-cds-iras · captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.