Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Houma, LA metro
- New Orleans Firemen's Federal Credit UnionCertificateCD · 24 months · $2,000 min · 4.25%–4.50% by balance
Credit union · 1 branch
4.50%APY$920 over 24 months 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 Interest is paid monthly and can be withdrawn without penalty or kept in the certificate.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 4.25% $10,000 and upYour amount 4.50% Rate checked
More details - La Capitol Federal Credit Union37-Month Share CertificateCD · 37 months · $500 min
Credit union · 1 branch
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 · 1 branch
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 - OnPath Federal Credit UnionPromotional Share CertificateCD · 22 months · $1,000 min
Credit union · 1 branch
4.20%APY$783 over 22 months on $10,000intro rateRequirements
Product: Membership eligibility applies. Early withdrawal penalties apply and may reduce earnings. Limited time offer.
Offer: Annual Percentage Yield (APY) is based on an investment as of 10/01/26. Early withdrawal penalties apply and may reduce earnings. Limited time offer. At maturity, renews to Standard Share Certificate at the closest term not exceeding existing term at current rate unless specified.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.11%APY$694 over 20 months on $10,000intro rate
Requirements
Product: Available to individuals and businesses. Public fund entities and IRAs are excluded. Fees could reduce earnings. Penalty may be imposed for early withdrawal.
Offer: Special rate for a limited time. Public fund entities and IRAs are excluded. Penalty may be imposed for early withdrawal.
Promotional rate · Effective Jul 14, 2026
Rate checked
More details - 4.02%APY$609 over 18 months on $10,000
Requirements
Product: Interest rates set weekly. Automatic renewal convenience. CD rates are fixed upon opening the account. Early withdrawal penalties apply.
Offer: Early withdrawal penalties apply.
Effective Apr 28, 2026
Rate checked
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 - 3.85%APY$352 over 11 months on $10,000
Requirements
Product: Early withdrawal penalties apply and fees may reduce earnings. Terms of 6 to 60 months available.
Offer: Minimum balance $1,000. Fees may reduce earnings.
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Effective Mar 27, 2025
Rate checked
More details - La Terre Federal Credit UnionLa Terre Lagniappe Share Certificate AccountsCD · 12 months · $1,000 min · 0.20%–3.75% by balance
Credit union · 1 branch
3.75%APY$375 over 1 year on $10,000intro rateRequirements
Product: There is a substantial penalty for early withdrawal of certificate funds which could reduce the earnings on your account.
Offer: Compounded and credited monthly.
Promotional rate · 0.20% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for La Terre Lagniappe Share Certificate Accounts Balance APY $1,000 and up 0.20% $10,000 and upYour amountSpecial. New deposits only. 3.75% Rate checked
More details - 3.73%APY$185 over 6 months on $10,000
Requirements
Product: CDs opened online have a maximum deposit limit of $500,000. Interest on CDs 12 months or less paid at maturity; longer than 12 months paid annually. Penalty for early withdrawal will apply. Automatic renewal.
Offer: $1,000 minimum deposit required to open and earn stated APY. Max online deposit $500,000. Interest paid at maturity.
Effective Oct 1, 2026
Rate checked
More details - La Capitol Federal Credit Union15-Month Saver Special Share CertificateCD · 15 months · $5,000 min
Credit union · 1 branch
3.70%APY$465 over 15 months on $10,000intro rateRequirements
Product: Membership required ($5.00 par share balance). Dividends compounded and credited monthly. Additional deposits not allowed. Early withdrawal penalty applies. At maturity, renews as a 1-year Thrifty Saver, Super Saver, or Mega Saver certificate based on balance.
Offer: Earn up to 3.70% APY.
Promotional rate · Effective Aug 7, 2026
Rate checked
More details - La Capitol Federal Credit Union6 Month Share CertificateCD · 6 months · $2,500 min
Credit union · 1 branch
3.50%APY$173 over 6 months on $10,000Requirements
Product: Fixed APY. Dividends compounded and credited monthly. Substantial penalty for early withdrawal. Effective date 10/09/2026.
Offer: APY 3.50%. Effective date 10/09/2026.
Effective Oct 9, 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 CDs pay in Houma, LA metro
167 CDs at 14 banks and credit unions · checked Oct 15–22
- Typical
- 2.00%
- Top 10% from
- 4.07%
- Banks, typical
- 1.76%
- Credit unions, typical
- 3.85%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Houma, LA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- New Orleans Firemen's Federal Credit UnionCredit union · 1 branch