Credit union · NCUA insured
La Terre Federal Credit Union CD Rates
La Terre Federal Credit Union’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How La Terre Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Houma, LA, where La Terre Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
La Terre Federal Credit Union
3.75%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $375
La Terre Lagniappe Share Certificate Accounts
Top rate
New Orleans Firemen's Federal Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $2,000
- Earns on $10,000
- $920
2nd-highest rate
La Capitol Federal Credit Union
4.50%APY
- Term
- 37 months
- Minimum
- $500
- Earns on $10,000
- $1,454
La Terre Federal Credit Union CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo0.25%
- QualifiedQualified3.75%
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 La Terre 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.
La Terre Lagniappe Share Certificate Accounts
Up to 3.75%APY · 3 terms
There is a substantial penalty for early withdrawal of certificate funds which could reduce the earnings on your account.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsCompounded and credited monthly | 0.15% | — | 0.15% | $7 |
| 6 monthsSpecial. New deposits only. Compounded and credited monthly | — | 3.50% | 3.50% | $173 |
| 12 monthsCompounded and credited monthly | 0.20% | — | 0.20% | $20 |
| 12 monthsSpecial. New deposits only. Compounded and credited monthly | — | 3.75% | 3.75% | $375 |
| 24 monthsCompounded and credited monthly | 0.25% | — | 0.25% | $50 |
Sources (1)
- laterrefcu.org/savings · captured Oct 5, 2026
Who can join La Terre 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work (or regularly conduct business in), worship, or attend school in Lafourche or Terrebonne Parishes are eligible for membership.
Family and household
- Immediate family members—including spouse, children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, step-siblings, or adoptive relationships—of eligible individuals are eligible for membership.
Other ways
- Volunteers in the community are eligible for membership.
Cost to join
- A $5.00 deposit is required to open an account.
- A $5.00 membership fee is required with the membership application.
Membership information collected October 5, 2026.