Compare Bank & Credit Union Rates
Best CD rates in Baton Rouge, LA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Baton Rouge, LA
- La Capitol Federal Credit Union37-Month Share CertificateCD · 37 months · $500 min
Credit union · 3 branches
4.50%APY$1,454 over 37 months on $10,000intro rateRequirements
Product: Membership required ($5.00 par share balance). Qualify to open a separate, high-yield Companion Savings Account earning 3.25% APY. Additional deposits not allowed during the term. Early withdrawal penalty may apply. At maturity, renews as a 1-year Thrifty Saver, Super Saver, or Mega Saver certificate based on balance.
Offer: APY up to 4.50%. Effective date 10/09/2026.
Promotional rate
Rate checked
More details - La Capitol Federal Credit UnionThrifty Saver Share CertificateCD · 60 months · $500 min
Credit union · 3 branches
4.45%APY$2,432 over 60 months on $10,000with conditionsRequirements
Product: Membership required. Additional deposits not allowed. Automatically renews at maturity. Early withdrawal penalty applies: 180 days dividends for terms 1 to less than 3 years; 365 days dividends for terms 3 years or more. Effective date 10/09/2026.
Offer: APY 4.45% with $500 minimum opening and La Capitol checking account.
Qualified rate · Effective Oct 9, 2026
Rate checked
More details - 4.40%APY$403 over 11 months on $10,000
Requirements
Product: Must be at least 18 years old and a U.S. citizen or lawful permanent resident with a U.S. physical address. CD account balance may not exceed $1,000,000. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months interest for terms > 12 months).
4.31% interest rate · Balance cap $1,000,000 · Effective Oct 16, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - 4.25%APY$868 over 24 months on $10,000
Requirements
Product: Certificate accounts are subject to substantial penalty for early withdrawal. Early withdrawal may affect APY. If minimum balance is not kept, service charges may affect APY. Fees could reduce earnings.
Offer: Dividends credited quarterly.
4.18% interest rate · Effective Oct 2, 2026
Rate checked
More details - 4.20%APY$1,789 over 48 months on $10,000
Requirements
Product: Dividends are posted monthly based on the daily balance and compounded monthly. Variable rate accounts subject to change at any time. Penalties for early withdrawals may apply. Step-up options apply to two-year terms and up, where rate can jump once before maturity. Automatic renewal for the same term at the new APY with a 10-day grace period.
Offer: Step-up option available where rate can jump once before maturity.
4.12% interest rate · Compounded monthly
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.05%APY$371 over 11 months on $10,000intro rate
Requirements
Product: An UTMA can be opened using a Certificate of Deposit. Penalty may be imposed for early withdrawal. The APY assumes principal and interest remain on deposit for the term of the certificate.
Offer: CD special. Competitive, fixed rates with automatic renewal. Interest can be paid directly or reinvested; interest credited before maturity may be withdrawn without penalty. Early withdrawals are subject to penalty and will reduce earnings.
Promotional rate · Balance cap $5,000,000 · Effective Sep 18, 2026
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More details - 4.05%APY$405 over 1 year on $10,000
Requirements
Product: Rate Step Up provides the option to increase the certificate rate once during the term of the certificate to the higher rate in effect at the time of the step (available on share certificates of 2 years or more). Certificates automatically renew at maturity unless new instructions are given.
Offer: Step-Up Option Available.
Rate checked
More details - 4.05%APY$405 over 1 year on $10,000
Requirements
Product: Add funds through payroll. Dividends compounded and paid monthly on average daily balance. Automatically renews at maturity.
Rate checked
More details - Investar Bank3-Month Certificate of Deposit SpecialCD · 3 months · $500 min · 3.80%–4.00% by balance
Bank · 1 branch
4.00%APY$99 over 3 months on $10,000intro rateRequirements
Product: Consumer Online Banking Only. Early withdrawal penalty may apply. Interest is compounded monthly and assumes interest remains on deposit. Offer available for a limited time.
Offer: Consumer Online Banking Only. Early withdrawal penalty may apply.
Promotional rate · Compounded monthly · Effective Sep 1, 2026
Rate by balance
Rate by balance for 3-Month Certificate of Deposit Special Balance APY $500 – $245,000Your amount 4.00% $245,000 and up 3.80% Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Minimum opening balance $500. Dividends may be compounded and credited monthly. Early withdrawal penalties may apply. Bump-up option available on 30-month term certificates. Rates subject to change at any time.
Effective May 1, 2026
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More details - 4.00%APY$366 over 11 months on $10,000intro rate
Requirements
Product: Substantial penalty applies for early withdrawals. Requires $1,000 minimum opening deposit. Special promotional terms require new money (funds not already on deposit at b1BANK).
Offer: Requires new money, funds not already on deposit at b1BANK. Substantial penalty applies for early withdrawal.
Promotional rate · 3.93% interest rate · Effective Aug 21, 2026
Rate checked
More details - Neighbors Federal Credit UnionShare CertificatesCD · 48 months · $1,500 min
Credit union · 2 branches
4.00%APY$1,699 over 48 months on $10,000Requirements
Product: Minimum deposit of $1,500 required to open an account. Funds cannot be added after opening until maturity. Early withdrawals are subject to penalty. At maturity, funds may be automatically renewed or paid to a designated account.
3.93% interest rate · Effective Oct 5, 2026
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More details - 3.90%APY$291 over 9 months on $10,000
Requirements
Product: Minimum deposit amount of $500.00. Dividends compounded monthly and paid monthly. Flexible terms from 6 months to 5 years. Upon maturity, certificate will renew at the rate offered at that time. Penalties may reduce earnings on early withdrawals.
Offer: Dividends paid monthly. Penalty may be imposed for early withdrawal.
3.84% interest rate · Compounded monthly · Effective May 27, 2026
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More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Baton Rouge, LA
236 CDs at 24 banks and credit unions · checked Oct 16–22
- Typical
- 2.50%
- Top 10% from
- 4.00%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.65%
Is your bank paying you enough?
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Baton Rouge, LA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Keesler Federal Credit UnionCredit union · 3 branches
- BRECO FCUCredit union · 3 branches
- Geismar Complex Federal Credit UnionCredit union · 1 branch