Bank · FDIC insured
First Guaranty Bank CD Rates
First Guaranty Bank’s best CD rate is 2.95% APY on a 5-year CD. Terms run from 1 month to 8 years. Rates checked October 16, 2026.
How First Guaranty Bank’s CD rates compare
Compared with banks and credit unions near Hammond, LA, where First Guaranty Bank has the most branches. $10,000, best rate first.
This bank’s best
First Guaranty Bank
2.95%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,565
Fixed Rate CDs
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
First Guaranty Bank CD score
67
CD score
Higher than 18% of U.S. banks and credit unions
- 3–8 months3–8 mo2.70%
- 9–15 months9–15 mo2.55%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo2.95%
- QualifiedQualified2.95%
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 First Guaranty Bank 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.
Fixed Rate CDs
Up to 2.95%APY · 12 terms
Automatic renewal at prevailing rate. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Interest rate and APY may change after account opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month30 Day term | 2.70% | $22 |
| 3 months90 Day term | 2.70% | $67 |
| 6 months6 Month term | 2.70% | $134 |
| 12 months1 Year term | 2.55% | $255 |
| 18 months18 Month term | 2.60% | $393 |
| 24 months2 Year term | 2.75% | $558 |
| 36 months3 Year term | 2.75% | $848 |
| 48 months4 Year term | 2.85% | $1,190 |
| 60 months5 Year term | 2.95% | $1,565 |
| 72 months6 Year term | 2.95% | $1,906 |
| 84 months7 Year term | 2.95% | $2,257 |
| 96 months8 Year term | 2.95% | $2,619 |
Sources (3)
- fgb.net/personal/checking/access-checking-account.html
- fgb.net/personal/loans-mortgag…-construction-loans.html
- fgb.net/personal/savings
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs) Fixed Rate Certificate
Up to 2.95%APY · 10 terms
Traditional and Roth IRAs offered. No monthly service charge. Automatic renewal at prevailing rate. Rates are fixed for term. Penalty for early withdrawal (and IRS penalties may apply).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 Month term | 2.70% | $134 |
| 12 months1 Year term | 2.55% | $255 |
| 18 months18 Month term | 2.60% | $393 |
| 24 months2 Year term | 2.75% | $558 |
| 36 months3 Year term | 2.75% | $848 |
| 48 months4 Year term | 2.85% | $1,190 |
| 60 months5 Year term | 2.95% | $1,565 |
| 72 months6 Year term | 2.95% | $1,906 |
| 84 months7 Year term | 2.95% | $2,257 |
| 96 months8 Year term | 2.95% | $2,619 |
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.