Fifth District Savings Bank: Savings Account, CDs, Money Market & Rates

Updated: 8/19/2026

Mission: Banksparency aims to make Fifth District Savings Bank's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of Fifth District Savings Bank

Our verdict

CD Analysis

Fifth District Savings Bank offers CDs paying up to 3.55% APY on its 7 months term, across 12 term lengths.

Tracking 27 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 3.55% APY for a 7 months term and laddering across multiple maturities.

Fifth District Savings Bank also offers Money Market Deposit Account, a money market account paying 0.60% APY with a $50 minimum deposit.

At 0.60% APY, Fifth District Savings Bank pays roughly in line with the national money market average of 0.63%.

Additional Accounts

Fifth Savings, a savings account at 0.10% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

Important Considerations

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Fifth Savings

Savings

0.10% APY

StableNo rate changes in last 7 days

Min: $50 Branch Access

Rank #251 of 337 tracked.

Money Market Deposit Account

Money Market

0.60% APY

Tiered Range: 0.15% - 0.60%

Min: $50 Branch Access

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationNew Orleans, LA
Deposit InsuranceFDIC Insured(Cert: 27697)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Aug 19, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Deposit Accounts: In-Depth View

Savings Account Offered by Fifth District Savings Bank

Feature	Fifth Savings
APY	0.10%Verified: 8/19/2026
APY Trend	StableNo rate changes in last 7 days
Min. Deposit	$50
Min. Balance	$0
Monthly Fee	N/A
Direct Deposit	None
Checking Bundle	No
In-Branch Access	Yes
Compounding	N/A
FDIC Insured	Yes
Eligibility	United States
Next Steps	-

Interactive Tool

Calculate Savings for Fifth District Savings Bank

All calculations are based on APY.

Selected product

Fifth Savings0.10% APY

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$37.30(0.3%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,037.30

Effective APY

0.10%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Fifth District Savings Bank Deposit Rates Over Time

No historical data available.

Compare with Fifth District Savings Bank

Feature	Current View Fifth District Savings Bank	Empty Slot
Product	Fifth Savings	-
APY	0.10%Verified: 8/19/2026	-
APY Trend	StableNo rate changes in last 7 days	-
Min. Deposit	$50	N/A
Monthly Fee	N/A	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	N/A	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

3.55% Highest APY

Across 27 CD products with terms: 7 months, 3 months, 6 months, 9 months, 12 months, 18 months, 24 months, 30 months, 36 months, 48 months, 60 months, 84 months

CD Products Offered by Fifth District Savings Bank

Feature	3 Months CD 3 months	3 Months IRA CD 3 months	6 Months CD 6 months	6 Months IRA CD 6 months	7 Months IRA CD 7 months	7 Months CD 7 months	9 Months CD 9 months	9 Months IRA CD 9 months	1 Year Step CD 12 months	12 Month CD 12 months	1 Year Step IRA CD 12 months	12 Month IRA CD 12 months	18 Month CD 18 months	18 Month IRA CD 18 months	18 Month Variable IRA CD 18 months	2 Year Step CD 24 months	2 Year Step IRA CD 24 months	30 Month CD 30 months	30 Month IRA CD 30 months	3 Year CD 36 months	3 Year IRA CD 36 months	4 Year CD 48 months	4 Year IRA CD 48 months	5 Year CD 60 months	5 Year IRA CD 60 months	7 Year CD 84 months	7 Year IRA CD 84 months
APY	3.50%Verified: 8/19/2026	3.50%Verified: 8/19/2026	3.50%Verified: 8/19/2026	3.50%Verified: 8/19/2026	3.55%Verified: 8/19/2026	3.55%Verified: 8/19/2026	3.45%Verified: 8/19/2026	3.45%Verified: 8/19/2026	2.90%Verified: 8/19/2026	3.35%Verified: 8/19/2026	2.90%Verified: 8/19/2026	3.35%Verified: 8/19/2026	3.00%Verified: 8/19/2026	3.00%Verified: 8/19/2026	3.50%Verified: 8/19/2026	2.50%Verified: 8/19/2026	2.50%Verified: 8/19/2026	2.25%Verified: 8/19/2026	2.25%Verified: 8/19/2026	2.00%Verified: 8/19/2026	2.00%Verified: 8/19/2026	2.00%Verified: 8/19/2026	2.00%Verified: 8/19/2026	2.00%Verified: 8/19/2026	2.00%Verified: 8/19/2026	2.00%Verified: 8/19/2026	2.00%Verified: 8/19/2026
Term	3 months	3 months	6 months	6 months	7 months	7 months	9 months	9 months	12 months	12 months	12 months	12 months	18 months	18 months	18 months	24 months	24 months	30 months	30 months	36 months	36 months	48 months	48 months	60 months	60 months	84 months	84 months
Min. Deposit	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$25	$25	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000
Early Withdrawal	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Notes	-	-	-	-	-	-	-	-	-	-	-	-	-	-	Variable rate. The APY can change during the term.	-	-	-	-	-	-	-	-	-	-	-	-

Fifth District Savings Bank CD Rates Over Time

Not enough rate history to show a chart. We have CD rates for this bank from one day only. The chart shows when we collect more data.

Money Market Accounts Offered by Fifth District Savings Bank

Feature	Money Market Deposit Account
APY	0.60%Range: 0.15% - 0.60%Verified: 8/19/2026
Min. Deposit	$50
Min. Balance	$300
Monthly Fee	N/A
Direct Deposit	None
In-Branch Access	Yes
Compounding	N/A
FDIC Insured	Yes
Eligibility	United States

Alternatives to Fifth District Savings Bank

Banks with Higher/Similar Savings APY

For a top list of the highest savings rates, see all HYSA top rates

F&M Bank and Trust Company

Statement Savings: 0.05% APY

Minimum Deposit: $100

Money Market Deposit Account: 0.10% APY

Minimum Deposit: $2,500

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Minimum Deposit: $5

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Icon High-Yield Savings: 2.75% APY

Minimum Deposit: $100

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Minimum Deposit: $100

Health Savings Account: 0.03% APY

Minimum Deposit: $100

Kids Cash Savings: 4.00% APY

Minimum Deposit: $5

Performance Money Market: 0.02% APY

Minimum Deposit: $100

Statement Savings: 0.01% APY

Minimum Deposit: $100

TAB Bank

Business Money Market: 3.25% APY

Minimum Deposit: $25

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TAB Save: 3.61% APY

Minimum Deposit: $0

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Minimum Deposit: $25

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Peoples Trust Company of St. Albans

Coach Club Savings: 0.10% APY

Minimum Deposit: $0

Access Savings: 0.10% APY

Minimum Deposit: N/A

Personal Savings: 0.10% APY

Minimum Deposit: $0

Business Money Market: 0.35% APY

Minimum Deposit: $500

Personal Money Market: 0.25% APY

Minimum Deposit: $1,500

Club Choice: 0.10% APY

Bundled Savings & Checking Account

Minimum Deposit: $0

Salem Five Direct

eOne Savings: 3.51% APY

Minimum Deposit: $10

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Carver Bank

Youth Savings: 0.10% APY

Minimum Deposit: $10

Carver Savings: 0.10% APY

Minimum Deposit: $100

High Yield Savings: 4.00% APY

Minimum Deposit: $5,000

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Money Market: 0.50% APY

Minimum Deposit: $250

Savings Liquit IRA: 0.10% APY

Minimum Deposit: $100

Relationship Savings: 0.10% APY

Minimum Deposit: $250

E*TRADE from Morgan Stanley

Premium Savings Account: 3.50% APY

Minimum Deposit: $0

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Premier Savings: 3.05% APY

Minimum Deposit: $0

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Valley Direct

High-Yield Savings Account: 4.00% APY

Minimum Deposit: $1,000

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First-Citizens Bank & Trust Company

Money Market Account: 0.15% APY

Minimum Deposit: $500

Online Savings Account: 0.10% APY

Minimum Deposit: $50

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The Napoleon State Bank

Money Market Account: 1.01% APY

Minimum Deposit: $2,500

Health Savings Account: 0.35% APY

Minimum Deposit: $5,000

Regular Savings Account: 0.10% APY

Minimum Deposit: $25

Business Savings: 0.10% APY

Minimum Deposit: $25

Ivy Bank

High-Yield Savings Account: 3.85% APY

Minimum Deposit: $2,500

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