Concordia Bank & Trust Company savings, CD and money market rates
Concordia Bank & Trust Company advertises 0.50% APY on its Blue Chip Savings account. That is 0.13 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #1011 of 2767 tracked savings rates by advertised APY. For a $10,000 balance it would rank #806.
Estimate your earnings·What Concordia Bank & Trust Company actually pays
Concordia Bank & Trust Company at a glance
| Savings | |
|---|---|
| Top savings APY | 0.50% · Blue Chip Savings |
| Minimum to open | $100 · Blue Chip Savings |
| Against the national average | 0.13 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 3.29% · 12 months · 12 Month CD |
| Minimum to open | $1,000 · 12 months CD |
| Against the national average | 1.56 percentage points above the 1.73% FDIC 12-month CD average (Sep 2026) |
| Money market | |
| Top money market APY | Up to 2.02% · Money Market · needs at least $100,000 |
| Minimum to open | $1,000 · Money Market |
| Against the national average | 1.39 percentage points above the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 8527 · Vidalia, LA |
|---|---|
| Website | www.concordiabank.com |
| Branches | 9 branches in LA, MS |
| Availability | Available in LA, MS |
Concordia Bank & Trust Company savings, CD and money market rates
Personal
How the rate applies
IRA
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 60 savings accounts from 59 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.16% or more. See the highest savings rates.
Concordia Bank & Trust Company CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 1 months | 1.00% | $2,500 | 1 Month CD |
| 2 months | 1.51% | $2,500 | 2 Month CD |
| 3 months | 1.51% | $2,500 | 3 Month CD |
| 6 months | 2.77% | $2,500 | 6 Month CD |
| 12 months | 3.29% | $1,000 | 12 Month CD |
| 18 months | 3.03% | $1,000 | 18 Month CD |
| 24 months | 3.03% | $1,000 | 24 Month CD |
| 30 months | 2.78% | $1,000 | 30 Month CD |
| 48 months | 2.78% | $1,000 | 48 Month CD |
| 60 months | 2.77% | $1,000 | 60 Month CD |
| IRA CDs | |||
| 6 months | 2.77% | $1,000 | Roth IRA Fixed Rate 6 Month |
| 12 months | 3.44% | $1,000 | Roth IRA Fixed Rate 12 Month |
| 18 months | 3.80% | $100 | Traditional IRA Variable Rate 18 Month |
| 18 months | 3.29% | $1,000 | Roth IRA Fixed Rate 18 Month |
| 18 months | 3.29% | $100 | Roth IRA Variable Rate 18 Month |
| 24 months | 3.44% | $1,000 | Roth IRA Fixed Rate 24 Month |
| 30 months | 3.19% | $1,000 | Roth IRA Fixed Rate 30 Month |
| 60 months | 3.02% | $1,000 | Roth IRA Fixed Rate 60 Month |
| 60 months | 3.29% | $100 | Roth IRA Variable Rate 60 Month |
Interactive Tool
Calculate Savings for Concordia Bank & Trust Company
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$187.40(1.3%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,187.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Concordia Bank & Trust Company pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Concordia Bank & Trust Company paid a higher average rate on savings and money market deposits than 30% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Concordia Bank & Trust Company, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Blue Chip Savings | 0.50% | $100 | $0 | None | Quarterly Service Charge $9.00 If at any time during the quarter the Ledger Balance falls below $300.00 | not stated | One rate | |
| Fine print: A $9.00 service charge applies each quarter if the ledger balance falls below $300.00 at any time during the quarter. The charge is not assessed for holders 18 or under, full-time students, or people 62 and over. A $3.00 charge applies to each withdrawal or transfer over 3 per quarter. | ||||||||
| Christmas Club | 0.50% | $1 | $0 | None | not stated | not stated | One rate | |
| Fine print: Regular electronic deposits are required, and the depositor must keep an active checking or savings account with the bank. Partial withdrawals are not allowed. The balance and interest are transferred to the designated deposit account by the end of October each year. A $5.00 fee applies if the account is closed early. | ||||||||
| Bank at School Savings | 0.50% | $1 | $0 | None | not stated | not stated | One rate | |
| Money Market | 2.02% | $1,000 | $0 | None | not stated | not stated | Tiered | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 1 Month CD | 1 months | 1.00% | $2,500 | not stated | not stated |
| 2 Month CD | 2 months | 1.51% | $2,500 | not stated | not stated |
| 3 Month CD | 3 months | 1.51% | $2,500 | not stated | not stated |
| 6 Month CD | 6 months | 2.77% | $2,500 | not stated | not stated |
| 12 Month CD | 12 months | 3.29% | $1,000 | not stated | not stated |
| 18 Month CD | 18 months | 3.03% | $1,000 | not stated | not stated |
| 24 Month CD | 24 months | 3.03% | $1,000 | not stated | not stated |
| 30 Month CD | 30 months | 2.78% | $1,000 | not stated | not stated |
| 48 Month CD | 48 months | 2.78% | $1,000 | not stated | not stated |
| 60 Month CD | 60 months | 2.77% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| Roth IRA Fixed Rate 6 Month | 6 months | 2.77% | $1,000 | not stated | not stated |
| Roth IRA Fixed Rate 12 Month | 12 months | 3.44% | $1,000 | not stated | not stated |
| Traditional IRA Variable Rate 18 Month | 18 months | 3.80% | $100 | not stated | not stated |
| Roth IRA Fixed Rate 18 Month | 18 months | 3.29% | $1,000 | not stated | not stated |
| Roth IRA Variable Rate 18 Month | 18 months | 3.29% | $100 | not stated | not stated |
| Roth IRA Fixed Rate 24 Month | 24 months | 3.44% | $1,000 | not stated | not stated |
| Roth IRA Fixed Rate 30 Month | 30 months | 3.19% | $1,000 | not stated | not stated |
| Roth IRA Fixed Rate 60 Month | 60 months | 3.02% | $1,000 | not stated | not stated |
| Roth IRA Variable Rate 60 Month | 60 months | 3.29% | $100 | not stated | not stated |
Fine print for 3 CDs above: Variable rate. The interest rate may change after the account is opened.
Opening and using the account
| Availability | Available in LA, MS |
|---|---|
| Footprint | 9 branches in LA, MS |
| Eligibility | not stated |
How Concordia Bank & Trust Company behaves over time
Every observation of the advertised Blue Chip Savings rate in the last 12 months was 0.50% (observed through Sep 30, 2026). The series includes promotional tiers where one applied.
- Rate last changed
- Sep 28, 2026(effective date)
$10,000 at the 0.50% APY Concordia Bank & Trust Company advertises on Blue Chip Savings grows to $10,050 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,720 does today. See how the federal funds rate shapes savings rates.
Concordia Bank & Trust Company CD rates over time
Who is Concordia Bank & Trust Company?
| Headquarters | Vidalia, LA |
|---|---|
| Founded | 1903 |
| Scale | $667M assets · $586M deposits, $409M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 8527 |
| Charter state | Louisiana · one of 104 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,382nd-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 58% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Concordia Bank & Trust Company pays on deposits above.
Common questions about Concordia Bank & Trust Company
Is Concordia Bank & Trust Company FDIC insured?
Yes. Concordia Bank & Trust Company is FDIC insured under certificate 8527, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Concordia Bank & Trust Company?
Concordia Bank & Trust Company requires a minimum deposit of $100 to open its Blue Chip Savings account, as observed on Sep 30, 2026. Check the bank's current terms before you open an account.
Does Concordia Bank & Trust Company have branches?
Yes. Concordia Bank & Trust Company operates 9 branches according to FDIC branch records, in addition to its website and mobile apps.
Concordia Bank & Trust Company against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Concordia Bank & Trust Company | 0.50% | 0.92% | $100 | 9 branches in LA, MS |
| AbbyBank | 0.50% | 1.34% | $0 | 9 branches in WI |
| Adams State Bank | 0.50% | not stated | $25 | 1 branch in NE |
| American Heritage Bank | 0.50% | 0.59% | $100 | 24 branches in OK |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Concordia Bank & Trust Company's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
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Rate hubs: today's highest savings rates, CD rates by term, and money market rates.