Compare Bank & Credit Union Rates
Best CD rates in Louisiana
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Louisiana
- New Orleans Firemen's Federal Credit UnionCertificateCD · 12 months · $2,000 min · 4.00%–4.40% by balance
Credit union · 9 branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: Lock in a fixed rate for the entire term. Open with a minimum deposit of $2,000. No opening fees or monthly service fees. Terms from 6 months to 5 years. Interest is paid monthly and can be withdrawn without penalty or kept in the certificate. Can be used as collateral on loans. APY is based on a 365-day year, and assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings.
Rate by balance
Rate by balance for Certificate Balance APY $2,000 – $9,999 4.00% $10,000 and upYour amount 4.40% Rate checked
More details - 4.33%APY$433 over 1 year on $10,000
Requirements
Product: Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.
Offer: Dividends credited/compounded monthly.
4.25% interest rate · Compounded monthly · Effective Oct 7, 2026
Rate checked
More details - Geismar Complex Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 1 branch
4.33%APY$433 over 1 year on $10,000Requirements
Product: Fixed rate until maturity. A $500 minimum deposit is required to open. Early withdrawal penalty applies ($20 fee and withdrawn funds earn the regular share savings dividend rate). Accounts automatically renew at maturity.
Offer: Automatically renews at maturity into a 1-year share certificate at current rates.
Effective Oct 5, 2026
Rate checked
More details - Post Office Employees Credit UnionCertificate of DepositCD · 12 months · $1,000 min
Credit union · 3 branches
4.33%APY$433 over 1 year on $10,000with conditionsRequirements
Product: Minimum deposit of $1,000 to open a Certificate of Deposit. Dividends are paid monthly. Rate boosts available via CD Loyalty Special / Reward Qualifications: +0.50% dividend rate for active Visa (open/active 90 days, min 2 transactions/mo over previous 3 mos), +0.50% dividend rate for active Checking (open/active 90 days, min 4 transactions/mo over previous 3 mos), and +0.25% dividend rate for enrolling in e-Statements on or before opening CD (max loyalty reward = 1.25%).
Offer: Base Rate + 1.25% (active Visa, active Checking, and enrolled in e-Statements)
Qualified rate · 4.25% interest rate · Effective Mar 19, 2025
Rate checked
More details - 4.32%APY$432 over 1 year on $10,000
Requirements
Product: Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.
Offer: Dividends credited/compounded quarterly.
4.25% interest rate · Compounded quarterly · Effective Oct 7, 2026
Rate checked
More details - 4.32%APY$432 over 1 year on $10,000
Requirements
Product: Interest is calculated on an average daily method and paid at maturity. Choose to have interest added to balance, transferred to another IRFCU account, or paid by check.
4.25% interest rate · Effective Oct 1, 2025
Rate checked
More details - EPIC Federal Credit UnionStars & Stripes Share Certificate (CD) SpecialCD · 12 months
Credit union · 3 branches
4.25%APY$425 over 1 year on $10,000intro ratePromotional rate
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More details - Barksdale Federal Credit UnionPlus Point CertificateCD · 12 months · $1,000 min
Credit union · 25 branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: To open Plus Point Certificate accounts, you must open one certificate of each term with equal balances in each certificate. Not automatically renewable.
Offer: Fixed rate. Must open one certificate in each term (1, 2, 3, 4, and 5 Year) with equal balances in each certificate ($1,000 minimum per each term). Additional deposits not allowed. Early withdrawal penalty applies (terms of 12 months or less: 90 days' dividends). Not automatic renewal.
4.17% interest rate · Effective Sep 29, 2026
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More details - La Capitol Federal Credit UnionThrifty Saver Share CertificateCD · 12 months · $1,500 min
Credit union · 15 branches
4.15%APY$415 over 1 year 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 4.15% with $1,500 minimum opening and La Capitol checking account.
Qualified rate · Effective Oct 9, 2026
Rate checked
More details - 4.10%APY$410 over 1 year 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.
4.02% interest rate · Compounded monthly
Rate checked
More details - Post Office Employees Credit UnionCertificate of DepositCD · 12 months · $1,000 min
Credit union · 3 branches
4.07%APY$407 over 1 year on $10,000with conditionsRequirements
Product: Minimum deposit of $1,000 to open a Certificate of Deposit. Dividends are paid monthly. Rate boosts available via CD Loyalty Special / Reward Qualifications: +0.50% dividend rate for active Visa (open/active 90 days, min 2 transactions/mo over previous 3 mos), +0.50% dividend rate for active Checking (open/active 90 days, min 4 transactions/mo over previous 3 mos), and +0.25% dividend rate for enrolling in e-Statements on or before opening CD (max loyalty reward = 1.25%).
Offer: Base Rate + 1.00% (e.g. active Visa and active Checking account parameters)
Qualified rate · 4.00% interest rate · Effective Mar 19, 2025
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 2 branches
4.05%APY$405 over 1 year on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.05% $20,000 and up 4.05% $100,000 and up 4.10% Rate checked
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.
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
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 1-year CDs pay in Louisiana
112 CDs at 90 banks and credit unions · checked Oct 16–22
- Typical
- 3.57%
- Top 10% from
- 4.05%
- Banks, typical
- 2.02%
- Credit unions, typical
- 3.75%
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Find your bank or credit union to see all its rates and how they compare near you.
Louisiana
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Post Office Employees Credit UnionCredit union · 3 branches
- Barksdale Federal Credit UnionCredit union · 25 branches
- New Orleans Firemen's Federal Credit UnionCredit union · 9 branches