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Highest CD Rates in Louisiana
70 Louisiana-specific CD products

By Aviel Fahl

Newest reading: October 7, 2026

Top Louisiana Rate:4.04% APYFDIC or NCUA Insured

The Louisiana market

Louisiana accounts

70

Institutions

8

Top Louisiana APY

4.04% APY

Nationally: 5.00% APY

FDIC national average

1.73%

As of Sep 2026

70 CDs are open only to Louisiana residents, from 8 institutions. The highest advertised APY among them is 4.04%.

The highest nationally available rate is 5.00% APY, 96 basis points above the Louisiana leader.

48 of the 70 Louisiana CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.

Louisiana-Specific CD Rates

CD rates specifically available to Louisiana residents. Business, youth and IRA CDs are not included.

Top 50 CD terms from 6 banks,sorted by highest APY
#1
Citizens Savings Bank

6 Month CD

Term: 6 months

4.04%
APY
Observed: Oct 7, 2026
Min Deposit

$2,500

Branches

Yes

#2
Citizens Savings Bank

12 Month CD

Term: 12 months

4.00%
APY
Observed: Oct 7, 2026
Min Deposit

$2,500

Branches

Yes

#3
Gateway First Bank

12 Month CD

Term: 12 months

3.85%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#4
Gateway First Bank

18 Month CD

Term: 18 months

3.85%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#5
JD Bank

11 Month CD Special

Term: 11 months

3.80%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#6
Citizens Savings Bank

24 Month CD

Term: 24 months

3.65%
APY
Observed: Oct 7, 2026
Min Deposit

$2,500

Branches

Yes

#7
Gateway First Bank

6 Month CD

Term: 6 months

3.60%
APY
Observed: Oct 7, 2026
Min Deposit

N/A

Branches

Yes

#8
Fifth District Savings Bank

7 Months CD

Term: 7 months

3.55%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#9
Fifth District Savings Bank

3 Months CD

Term: 3 months

3.50%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#10
Gateway First Bank

3 Month CD

Term: 3 months

3.50%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#11
Fifth District Savings Bank

6 Months CD

Term: 6 months

3.50%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#12
Citizens Savings Bank

18 Month CD

Term: 18 months

3.50%
APY
Observed: Oct 7, 2026
Min Deposit

$2,500

Branches

Yes

#13
Gateway First Bank

24 Month CD

Term: 24 months

3.50%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#14
Fifth District Savings Bank

9 Months CD

Term: 9 months

3.45%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#15
Fifth District Savings Bank

12 Month CD

Term: 12 months

3.35%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#16
Concordia Bank & Trust Company

12 Month CD

Term: 12 months

3.29%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#17
Citizens Savings Bank

36 Month CD

Term: 36 months

3.25%
APY
Observed: Oct 7, 2026
Min Deposit

$2,500

Branches

Yes

#18
Gateway First Bank

36 Month CD

Term: 36 months

3.25%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#19
Citizens Savings Bank

48 Month Bump CD

Term: 48 months

3.25%
APY
Observed: Oct 7, 2026
Min Deposit

$2,500

Branches

Yes

#20
Gateway First Bank

48 Month CD

Term: 48 months

3.25%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#21
Citizens Savings Bank

60 Month Bump CD

Term: 60 months

3.25%
APY
Observed: Oct 7, 2026
Min Deposit

$2,500

Branches

Yes

#22
Gateway First Bank

60 Month CD

Term: 60 months

3.25%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#23
Concordia Bank & Trust Company

18 Month CD

Term: 18 months

3.03%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#24
Concordia Bank & Trust Company

24 Month CD

Term: 24 months

3.03%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#25
Fifth District Savings Bank

18 Month CD

Term: 18 months

3.00%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#26
First Guaranty Bank

5 Year CD

Term: 60 months

2.95%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#27
First Guaranty Bank

6 Year CD

Term: 72 months

2.95%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#28
First Guaranty Bank

7 Year CD

Term: 84 months

2.95%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#29
First Guaranty Bank

8 Year CD

Term: 96 months

2.95%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#30
Fifth District Savings Bank

1 Year Step CD

Term: 12 months

2.90%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#31
First Guaranty Bank

4 Year CD

Term: 48 months

2.85%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#32
Concordia Bank & Trust Company

30 Month CD

Term: 30 months

2.78%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#33
Concordia Bank & Trust Company

48 Month CD

Term: 48 months

2.78%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#34
Concordia Bank & Trust Company

6 Month CD

Term: 6 months

2.77%
APY
Observed: Oct 7, 2026
Min Deposit

$2,500

Branches

Yes

#35
Concordia Bank & Trust Company

60 Month CD

Term: 60 months

2.77%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#36
First Guaranty Bank

2 Year CD

Term: 24 months

2.75%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#37
First Guaranty Bank

3 Year CD

Term: 36 months

2.75%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#38
First Guaranty Bank

30 Day CD

Term: 1 months

2.70%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#39
First Guaranty Bank

90 Day CD

Term: 3 months

2.70%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#40
First Guaranty Bank

6 Month CD

Term: 6 months

2.70%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#41
First Guaranty Bank

18 Month CD

Term: 18 months

2.60%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#42
First Guaranty Bank

1 Year CD

Term: 12 months

2.55%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#43
Fifth District Savings Bank

2 Year Step CD

Term: 24 months

2.50%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#44
Fifth District Savings Bank

30 Month CD

Term: 30 months

2.25%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#45
Fifth District Savings Bank

3 Year CD

Term: 36 months

2.00%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#46
Fifth District Savings Bank

4 Year CD

Term: 48 months

2.00%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#47
Fifth District Savings Bank

5 Year CD

Term: 60 months

2.00%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#48
Fifth District Savings Bank

7 Year CD

Term: 84 months

2.00%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#49
Concordia Bank & Trust Company

2 Month CD

Term: 2 months

1.51%
APY
Observed: Oct 7, 2026
Min Deposit

$2,500

Branches

Yes

#50
Concordia Bank & Trust Company

3 Month CD

Term: 3 months

1.51%
APY
Observed: Oct 7, 2026
Min Deposit

$2,500

Branches

Yes

Nationally Available CD Rates

The 8 highest CD rates available nationwide, including in Louisiana.

InstitutionProduct / Term
Popular Direct
60 Months60 months
5.00%
Popular Direct
48 Months48 months
4.95%
Popular Direct
36 Months36 months
4.85%
E*TRADE from Morgan Stanley
12-Month Certificates of Deposit12 months
4.75%
Bread Savings
18-Month CD18 months
4.75%
Barclays
24-Month CD24 months
4.75%
Barclays
60-Month CD60 months
4.75%
Popular Direct
24 Months24 months
4.70%

See the full national list