Best 18-Month CD Rates in Louisiana, LA

You are viewing rates from banks across Louisiana

Below are eighteen-month Certificates of Deposit (CD) rates from banks in Louisiana . Eighteen Month CDs offer a bit more yield than 1-year CDs but require a longer time-commitment. Like any CD, you should consider the trade-off between the difference in yield and the required time commitment. If an 18 month CD pays significantly above the yield of a 12-month CD, it may be worth opening.

LA - November 27, 2024

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
Crescent Bank	4.55%	$1,000	-	Learn More
ltriemer \| Apr 9, 2016 The two women, Shawn and Marcie, were very nice to me and accommodated my every transaction. Read More Reviews (4)
Hibernia Bank	4.25%	$1,000	-	Learn More
SMOE \| Feb 18, 2021 Interest rate on 1 year CD is only .40%. Five year term is .80% Read More Reviews (1)
Banesco USA	3.90%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 0.50% → 4.50% → 4.30% → 4.20% → 3.90%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Capital One, National Association	3.80%	$0	-	Learn More
Rate History: 4.50% → 4.45% → 4.25% → 3.90% → 3.80%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
USAA Federal Savings Bank	2.80%	$1,000	-	Learn More
Rate History: 5.25% → 4.65% → 4.20% → 4.05% → 2.80%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Citibank, National Association	2.45%	$0	-	Learn More
Rate History: 2.50% → 2.00% → 3.75% → 2.45%
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Hingham Institution for Savings	1.75%	$1,000	-	Learn More Add Review
St Landry Homestead Federal Savings Bank	1.11%	$1,000	-	Learn More Add Review
Washington State Bank	1.10%	$10,000	-	Learn More Add Review
Commerce Community Bank	1.00%	$1,000	-	Learn More Add Review
Farmers-Merchants Bank & Trust Company	1.00%	$100,000	-	Learn More Add Review
Community First Bank	1.00%	$10,000	-	Learn More Add Review
Bank of Zachary	1.00%	$10,000	-	Learn More Add Review
TD Bank, National Association	1.00%	$10,000	-	Learn More
Rate History: 4.50% → 1.00% → 4.00% → 1.00%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
CLB The Community Bank	0.95%	$100,000	-	Learn More Add Review
Landmark Bank	0.95%	$10,000	-	Learn More Add Review
Commercial Capital Bank	0.90%	$10,000	-	Learn More
christan.tyson@gmail.com \| Apr 29, 2019 I called to ask about an auto loan that I only have one payment left on and was told that a loan officer would call me back. When she called me back, I asked 2 questions and was treaded like a criminal. Sh... Read More Reviews (1)
JD Bank	0.90%	$10,000	-	Learn More Add Review
Guaranty Bank and Trust Company	0.90%	$10,000	-	Learn More Add Review
Merchants & Farmers Bank & Trust Company	0.85%	$100,000	-	Learn More Add Review
Farmers-Merchants Bank & Trust Company	0.85%	$10,000	-	Learn More Add Review
Merchants & Farmers Bank & Trust Company	0.81%	$10,000	-	Learn More Add Review
First Guaranty Bank	0.80%	$10,000	-	Learn More Add Review
Franklin State Bank & Trust Company	0.80%	$100,000	-	Learn More Add Review
CLB The Community Bank	0.75%	$10,000	-	Learn More Add Review
First National Bank in DeRidder	0.75%	$1,000	-	Learn More Add Review
Citizens Bank & Trust Company of Vivian, Louisiana	0.75%	$10,000	-	Learn More Add Review
Delta Bank	0.75%	$100,000	-	Learn More Add Review
Beauregard FSB	0.75%	$10,000	-	Learn More Add Review
Heritage Bank of St Tammany	0.75%	$10,000	-	Learn More Add Review
Citizens Progressive Bank	0.70%	$10,000	-	Learn More Add Review
Guaranty Bank & Trust Company of Delhi, Louisiana	0.70%	$1,000	-	Learn More Add Review
Franklin State Bank & Trust Company	0.70%	$10,000	-	Learn More Add Review
Basile State Bank	0.70%	$100,000	-	Learn More Add Review
FIDELITY BANK	0.70%	$10,000	-	Learn More
sal \| Apr 15, 2020 Correction: 2/15/2020 6 months rate is .80% Read More Reviews (2)
Resource Bank	0.70%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Company	0.70%	$500	-	Learn More Add Review
Citizens Savings Bank	0.70%	$10,000	-	Learn More Add Review
Jonesboro State Bank	0.65%	$10,000	-	Learn More Add Review
St. Landry Bank and Trust Company	0.65%	$10,000	-	Learn More Add Review
South Lafourche Bank & Trust Company	0.65%	$10,000	-	Learn More Add Review
BOM Bank	0.60%	$10,000	-	Learn More Add Review
Delta Bank	0.60%	$10,000	-	Learn More Add Review
First American Bank and Trust	0.60%	$10,000	-	Learn More Add Review
Investar Bank, National Association	0.60%	$10,000	-	Learn More Add Review
South Louisiana Bank	0.60%	$100,000	-	Learn More Add Review
Marion State Bank	0.55%	$500	-	Learn More Add Review
Bank of St. Francisville	0.55%	$10,000	-	Learn More Add Review
Bank of Coushatta	0.55%	$10,000	-	Learn More Add Review
Citizens National Bank, N.A.	0.55%	$10,000	-	Learn More Add Review
Homeland Federal Savings Bank	0.55%	$10,000	-	Learn More Add Review
Sicily Island State Bank	0.55%	$10,000	-	Learn More Add Review
Basile State Bank	0.55%	$10,000	-	Learn More Add Review
United Community Bank	0.55%	$10,000	-	Learn More Add Review
Fifth District Savings Bank	0.55%	$10,000	-	Learn More
Amanda Dailey \| Jul 19, 2019 Fifth District was great when we went to purchase a home and they gave us a very simple process to obtain a mortgage loan. I recommended them many times as I know many realtors however they really disappo... Read More Reviews (1)
First National Bank USA	0.55%	$10,000	-	Learn More Add Review
South Louisiana Bank	0.55%	$10,000	-	Learn More Add Review
Progressive National Bank Restrictions	0.50%	$10,000	-	Learn More Add Review
Bank of Oak Ridge	0.50%	$10,000	-	Learn More Add Review
Bank of Winnfield & Trust Company	0.50%	$100,000	-	Learn More Add Review
City Bank & Trust Co.	0.50%	$10,000	-	Learn More Add Review
Concordia Bank & Trust Company	0.50%	$10,000	-	Learn More Add Review
United Mississippi Bank	0.50%	$10,000	-	Learn More Add Review
Colfax Banking Company	0.50%	$10,000	-	Learn More Add Review
Home Bank, National Association	0.50%	$10,000	-	Learn More Add Review
Investar Bank, National Association	0.50%	$10,000	-	Learn More Add Review
Synergy Bank	0.50%	$10,000	-	Learn More Add Review
Bank of Winnfield & Trust Company	0.45%	$10,000	-	Learn More Add Review
Vermilion Bank & Trust Company	0.45%	$100,000	-	Learn More Add Review
State Bank & Trust Company	0.45%	$10,000	-	Learn More Add Review
Liberty Bank and Trust Company	0.43%	$10,000	-	Learn More Add Review
Home Federal Bank	0.40%	$10,000	-	Learn More Add Review
Gibsland Bank & Trust Company	0.40%	$100,000	-	Learn More Add Review
FSNB, National Association	0.35%	$10,000	-	Learn More Add Review
Gulf Coast Bank and Trust Company	0.35%	$10,000	-	Learn More
Jullianb \| Mar 19, 2020 I made a deposit of 14k at the Gulf Coast Bank and Trust Carrollton Ave branch on March 13, 2020. My account manager and the bank manager both handled the deposit, but secretly, the manager had requested a... Read More Reviews (1)
Bank of Sunset and Trust Company	0.35%	$10,000	-	Learn More Add Review
Cottonport Bank	0.35%	$10,000	-	Learn More
Cindy Hayes \| Apr 2, 2022 We looked long and hard for a bank in our oil and gas supported city that isn't out to destroy us with energy and America killing ESG and DEI programs. I even asked the Better Business Bureau to compile a ... Read More Reviews (1)
Vermilion Bank & Trust Company	0.35%	$10,000	-	Learn More Add Review
Sabine State Bank and Trust Company	0.30%	$10,000	-	Learn More Add Review
The Mer Rouge State Bank	0.30%	$10,000	-	Learn More Add Review
The First, A National Banking Association	0.30%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Company	0.25%	$10,000	-	Learn More Add Review
Origin Bank	0.25%	$10,000	-	Learn More
Ralph \| Nov 26, 2019 They might be covered but they do little to safeguard your money. I was hacked, the hackers posed as bank employees accessed my account and made payments to fraudulent accounts. I had to explain to them wh... Read More Reviews (1)
Progressive Bank	0.20%	$1,000	-	Learn More Add Review
Metairie Bank & Trust Company	0.20%	$10,000	-	Learn More Add Review
Gibsland Bank & Trust Company	0.12%	$10,000	-	Learn More Add Review
Anthem Bank & Trust	0.10%	$10,000	-	Learn More Add Review
KeyBank National Association	0.05%	$10,000	-	Learn More
Rate History: 4.75% → 0.01% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
U.S. Bank National Association	0.05%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
Regions Bank	0.03% 0.01%	$2,501 $2,500	-	Learn More Add Review
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

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PRODUCT INFORMATION

18 Month CDs - Branch Banks 2024

Banks offer a range of Certificates of Deposit (CD) with 18 month CDs being a popular term. An eighteen month CD obligates the holder to keep their money in the bank for eighteen months in return for a fixed rate of interest during that time period. All eighteen month bank CDs shown on BestCashCow are FDIC insured.

Eighteen month CDs can be opened in almost any bank branch as the are a mainstay of bank deposit products.

The advantages of an eighteen month CD are:

A slightly higher rate than 12 month CDs in return for leaving the money in the bank longer.
A fixed rate during the 18 month period.
FDIC insurance.
Convenience of opening and managing the CD at a local branch.

The disadvantages of an eighteen month branch CDs are:

Rates are generally lower than on the top online savings and CD accounts.
Money is tied up for 18 months. Removing it early results in significant penalties.
Opening in a branch requires a personal visit.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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Louisiana CD Rates – 18-Month

PRODUCT INFORMATION

18 Month CDs - Branch Banks 2024

The advantages of an eighteen month CD are:

The disadvantages of an eighteen month branch CDs are:

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