Bank · FDIC insured
State Bank Trust & Company CD Rates
State Bank Trust & Company’s best CD rate is 2.52% APY on a 5-year CD, with extra requirements. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How State Bank Trust & Company’s CD rates compare
Compared with banks and credit unions near Houma, LA, where State Bank Trust & Company has the most branches. $10,000, best rate first.
This bank’s best
State Bank Trust & Company
2.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $250
Certificates of Deposit (CD)
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
State Bank Trust & Company CD score
64
CD score
Higher than 11% of U.S. banks and credit unions
- 3–8 months3–8 mo1.76%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo2.27%
- 31–60 months31–60 mo2.42%
- QualifiedQualified2.50%
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 State Bank Trust & Company 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 (CD)
Up to 2.52%APY · 10 terms
Interest can be compounded or withdrawn. A $1,000 minimum balance is required for all regular CD terms ($5,000 for Bump Rate CDs) to earn the stated APY. Early withdrawal penalties apply.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1–2 months32 to 59 days CD. Minimum balance of $1,000.00 required to earn stated APY. Early withdrawal penalty is 14 days of interest | 0.10% | — | 0.10% | $1 |
| 2–3 months60 to 89 days CD. Minimum balance of $1,000.00 required to earn stated APY. Early withdrawal penalty is 14 days of interest | 0.10% | — | 0.10% | $2 |
| 3–6 months90 to 179 days CD. Minimum balance of $1,000.00 required to earn stated APY. Early withdrawal penalty is 14 days of interest | 0.10% | — | 0.10% | $2 |
| 6–12 months180 to 364 days CD. Minimum balance of $1,000.00 required to earn stated APY. Early withdrawal penalty is one month's interest | 1.76% | — | 1.76% | $88 |
| 12 months1 year CD. Minimum balance of $1,000.00 required to earn stated APY. Early withdrawal penalty is one month's interest | 2.50% | — | 2.50% | $250 |
| 18 months18 months CD. Minimum balance of $1,000.00 required to earn stated APY. Early withdrawal penalty is three months of interest | 2.27% | — | 2.27% | $342 |
| 24 months2 years CD. Minimum balance of $1,000.00 required to earn stated APY. Early withdrawal penalty is three months of interest | 2.02% | — | 2.02% | $408 |
| 36 months3 years Bump Rate CD. Minimum balance of $5,000.00 required to earn stated APY. Early withdrawal penalty is three months of interest | — | 2.22% | 2.22% | $681 |
| 36 months3 years CD. Minimum balance of $1,000.00 required to earn stated APY. Early withdrawal penalty is three months of interest | 2.27% | — | 2.27% | $697 |
| 48 months4 years CD. Minimum balance of $1,000.00 required to earn stated APY. Early withdrawal penalty is three months of interest | 2.27% | — | 2.27% | $939 |
| 60 months5 years Bump Rate CD. Minimum balance of $5,000.00 required to earn stated APY. Early withdrawal penalty is three months of interest | — | 2.42% | 2.42% | $1,270 |
| 60 months5 years CD. Minimum balance of $1,000.00 required to earn stated APY. Early withdrawal penalty is three months of interest | 2.52% | — | 2.52% | $1,325 |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
I.R.A.
Up to 2.52%APY · 6 terms
Early withdrawal penalties apply for I.R.A. accounts. Penalty for all terms of I.R.A. is three months of interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6-Month Fixed I.R.A. Penalty for all terms of I.R.A. is three months of interest | 1.76% | $88 |
| 12 months12-Month Fixed I.R.A. Penalty for all terms of I.R.A. is three months of interest | 2.52% | $252 |
| 18 months18-Month Variable I.R.A. Penalty for all terms of I.R.A. is three months of interest | 2.52% | $380 |
| 24 months2-Year Fixed I.R.A. Penalty for all terms of I.R.A. is three months of interest | 2.27% | $459 |
| 36 months3-Year Variable I.R.A. Penalty for all terms of I.R.A. is three months of interest | 2.52% | $775 |
| 60 months5-Year Variable I.R.A. Penalty for all terms of I.R.A. is three months of interest | 2.52% | $1,325 |
Sources (1)
- sbtcajun.com/blank-3 · captured Sep 18, 2026
Opening an account
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