Credit union · NCUA insured
Southwest Louisiana CU CD Rates
Southwest Louisiana CU’s best CD rate is 3.85% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Southwest Louisiana CU’s CD rates compare
Compared with banks and credit unions near Lake Charles, LA, where Southwest Louisiana CU has the most branches. $10,000, best rate first.
This credit union’s best
Southwest Louisiana CU
3.85%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $385
Traditional CD
Top rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Southwest Louisiana CU CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.51%
- 31–60 months31–60 mo3.61%
- QualifiedQualified3.85%
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 Southwest Louisiana CU 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.
Expandable CD
Up to 3.85%APY · 3 terms
Add cash at any time ($25.00 minimum deposit or more up to maturity). Fixed rate. Dividends compounded and paid monthly on an average daily balance of $100.00 or more. Penalties apply for early withdrawal. CDs automatically renew at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.85% | $385 |
| 24 months | 3.51% | $714 |
| 36 months | 3.61% | $1,123 |
Traditional CD
Up to 3.85%APY · 4 terms
Fixed rate. Dividends compounded and paid monthly on an average daily balance. Penalties apply for early withdrawal. CDs automatically renew at maturity. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 12 months | 3.85% | $385 |
| 24 months | 3.51% | $714 |
| 36 months | 3.61% | $1,123 |
Cowboy Up CD
Up to 2.50%APY · 2 terms
Currently unavailable. Rate increases by 0.01% APY every time McNeese Football scores this season and postseason (2025-2026). Does not automatically renew at maturity. Early withdrawal penalties apply. McNeese State University student athletes are unable to participate. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsStarts at 2.50% APY. Rate increases by 0.01% APY every time McNeese Football scores this season and postseason (2025-2026). Increased rate effective the next business day after a win. Dividends compounded and paid monthly on an average daily balance | 2.50% | $145 |
| 11 monthsInitial APY 2.00% effective 2024-11-01 and will not decrease. APY increases 0.10% APY each time McNeese State University Men's Basketball team wins a game in the 2024-2025 season (up to 32 regular season and 5 post season games). Rate increase effective next business day after each game | 2.00% | $183 |
Sources (1)
- swlacu.com/savings · captured Oct 5, 2026
Special-purpose accounts
$mart IRA Term Share Certificate
Up to 2.88%APY · 4 terms
No monthly service charge—FREE. Dividends compounded and paid monthly on an average daily balance of $500.00 or more.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.88% | $143 |
| 12 months | 2.68% | $268 |
| 24 months | 1.00% | $201 |
| 36 months | 1.06% | $321 |
Who can join Southwest Louisiana CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, or worship in Calcasieu, Cameron, Beauregard, or Evangeline Parish.
Employers and groups
- Eligibility is open to employees (or family members of employees) of one of the credit union's Select Employee Groups (SEGs).
Military, government and schools
- Eligibility is open to students at McNeese State University.
Family and household
- Eligibility is open to family members of an existing member, including spouse, child, sibling, parent, grandparent, grandchild, step-parent, step-child, step-sibling, and adoptive relationships.
Other ways
- Eligibility is open to individuals who make a one-time donation to the McNeese Foundation supporting the McNeese Athletic Foundation (MAF).
Cost to join
- Opening a share savings account requires a $25 deposit to start.
Membership information collected October 5, 2026.