Credit union · NCUA insured
Bayou Community Federal Credit Union CD Rates
Bayou Community Federal Credit Union’s best CD rate is 4.08% APY on a 9-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Bayou Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Baton Rouge, LA, where Bayou Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Bayou Community Federal Credit Union
4.08%APY
- Term
- 9 months
- Minimum
- $10,000
- Earns on $10,000
- $304
Certificate of Deposits
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
Bayou Community Federal Credit Union CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo3.72%
- 9–15 months9–15 mo4.08%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.82%
- QualifiedQualified4.08%
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 Bayou Community Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate of Deposits
Up to 4.08%APY · 8 terms
Membership at Bayou Community FCU is open to anyone who lives, works, worships, or attends school in St. Gabriel and surrounding areas.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPays Monthly | 0.99% | $25 |
| 6 monthsPays Monthly | 3.72% | $184 |
| 9 monthsCD SPECIAL; New Money Only; Pays Monthly | 4.08% | $304 |
| 12 monthsHigh Yield; Pays Monthly | 3.92% | $392 |
| 12 monthsPays Monthly | 3.92% | $392 |
| 24 monthsPays at Maturity | 3.56% | $725 |
| 36 monthsPays Monthly | 3.46% | $1,074 |
| 48 monthsNew Money Only; Pays Monthly | 3.10% | $1,299 |
| 60 monthsNew Money Only; Pays Monthly | 3.82% | $2,062 |
Sources (3)
- bayoucfcu.com/cd-rates-st-gabriel-la
- bayoucfcu.com/certificates-of-deposit
- bayoucfcu.com/savings-rates
All captured Sep 18, 2026
Who can join Bayou Community Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who works, worships, lives in, or conducts business in Iberville Parish (East side of the Mississippi River) is eligible for membership.
Family and household
- Family members of eligible members, including spouse, father, mother, sister, brother, child, and grandchild, are eligible for membership.
Membership information collected October 5, 2026.