Highest Savings Rates in Louisiana
18 Louisiana-specific accounts
The Louisiana market
Louisiana accounts
18
Institutions
12
Top Louisiana APY
3.15% APY
Nationally: 5.00% APY
FDIC national average
0.37%
As of Sep 2026
18 savings accounts are open only to Louisiana residents, from 12 institutions. The highest advertised APY among them is 3.15%.
The highest nationally available rate is 5.00% APY, 185 basis points above the Louisiana leader.
11 of the 18 Louisiana savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Louisiana-Specific Savings Accounts
These savings accounts are specifically available to Louisiana residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$315per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #2 | Show Details | +$300per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #3 | Show Details | +$250per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $25 | |
| #4 | Show Details | +$235per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1,000 | |
| #5 | Show Details | +$170per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #6 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #7 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #8 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #9 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #10 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #11 | JD Bank JD Classic Savings Up to0.30%APY Needs at least $100,000 Min. balance: $200 Observed: Oct 7, 2026 Show Details | +$15per yearEffective: 0.15% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #12 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #13 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #14 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $200 | |
| #15 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #16 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 |
PNC
PNC High Yield Savings
What to Watch
Eligibility restricted to select states.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI |
| Deposit Insurance | FDIC Insured(Cert: 6384) |
| Eligibility | AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY |
| Zelle® | SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Citibank
Citi Accelerate Savings
What to Watch
Eligibility restricted to select states.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Branches | U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. |
| Deposit Insurance | FDIC Insured(Cert: 7213) |
| Eligibility | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. |
| Zelle® | SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher). |
| Mobile Ratings | |
| BBB Rating | D-(Not BBB Accredited) |
Rate Stability
JD Bank
JD Signature Savings
What to Watch
A JD Signature Checking account is required. The advertised rate is paid only when combined balances in JD Signature Checking, JD Signature Savings and a Certificate of Deposit reach $40,000 during the monthly qualification cycle. A lower rate applies in a cycle when that requirement is not met. Interest is credited to the JD Signature Checking account.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16546) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Gateway First Bank
Gateway High Yield Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Crescent Bank
Personal Statement Savings
What to Watch
The account can be opened only in person at a branch.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 33492) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Concordia Bank & Trust Company
Blue Chip Savings
What to Watch
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.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | Quarterly Service Charge $9.00 If at any time during the quarter the Ledger Balance falls below $300.00 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 8527) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Concordia Bank & Trust Company
Bank at School Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 8527) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Gateway First Bank
Personal Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
JD Bank
ZydeCash Savings
On balances up to $30,000 · 0.15% above
What to Watch
The stated APY applies only to balances of $30,000 and under, measured over the monthly qualification cycle. Balances over $30,000 earn a lower rate. A lower rate applies to all balances in a cycle in which the ZydeCash Checking qualifications are not met.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16546) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Horizon Bank
Traditional Savings
What to Watch
The service charge is billed each quarter, not each month. It is refunded when the account is linked to a FirstView checking account, or when the daily balance stays at or above the stated minimum.
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $5 quarterly service charge if the daily balance falls below $250; refunded when linked to a FirstView checking account. |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4977) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
JD Bank
JD Classic Savings
Needs at least $100,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $200 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16546) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Citizens Savings Bank
Personal Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30270) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Fifth District Savings Bank
Fifth Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 27697) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Simmesport State Bank
Passbook Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $200 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 17587) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
BankPlus
Personal Savings
What to Watch
Variable rate. The rate can change at any time.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 5903) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Guaranty Bank
Regular Savings
What to Watch
The monthly service charge is waived with a daily balance of $200 or more. A $2 fee applies to each withdrawal after the third in a month.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14028) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Nationally Available Savings Accounts
The 8 highest-rate savings accounts available nationwide, including in Louisiana.
| Institution | Product / Term | APY |
|---|---|---|
| Axos Bank | Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate | Up to5.00% |
| GO2bank | High Yield Savingsfirst $5,000 only · needs a linked account at the bank | Up to4.50% |
| Elevault | High Yield Savings Account | 4.34% |
| Peak Bank | Envision High Yield Savingsup to $499,999.99 only | 4.27% |
| Betterment | Cash Reservepromotional rate | Up to4.25% |
| Neighbors Bank | Neighbors Savings Account | 4.25% |
| Pibank | Pibank Savings | 4.25% |
| EverBank | Performance Savings | 4.20% |