Best 2-Year CD Rates in Louisiana, LA

You are viewing rates from banks across Louisiana

Below are two-year Certificates of Deposit (CD) rates from banks in Louisiana. Two-year CDs generally offer a higher rate than 1-year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.

LA - November 27, 2024

2 Year CD National Average : 0.66% ^?

Banks	APY	MIN	MILES ^?
Crescent Bank	4.30%	$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)
Seattle Bank	4.05%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.75% → 4.40% → 4.30% → 4.05%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Bank of Whittier, National Association	3.87%	$1,000	-	Learn More Add Review
Banesco USA	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 0.55% → 0.50% → 3.80% → 3.75%
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)
Citizens	3.75%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Capital One, National Association	3.60%	$0	-	Learn More
Rate History: 4.30% → 4.20% → 4.00% → 3.70% → 3.60%
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)
Gateway First Bank	3.35%	$500	-	Learn More
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Blue Foundry Bank	3.25%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 3.25%
Hibernia Bank	2.74%	$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)
USAA Federal Savings Bank	2.60%	$1,000	-	Learn More
Rate History: 5.00% → 4.40% → 4.00% → 3.85% → 2.60%
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)
Woodforest National Bank	2.25%	$500	-	Learn More
Rate History: 1.00% → 1.55% → 2.25%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Citibank, National Association	2.00%	$0	-	Learn More
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
Commerce Community Bank	1.30%	$1,000	-	Learn More Add Review
Rayne State Bank & Trust Company	1.30%	$1,000	-	Learn More Add Review
Community First Bank	1.26%	$10,000	-	Learn More Add Review
Farmers-Merchants Bank & Trust Company	1.20%	$100,000	-	Learn More Add Review
Washington State Bank	1.15%	$10,000	-	Learn More Add Review
JD Bank	1.10%	$10,000	-	Learn More Add Review
Bank of Erath	1.10%	$10,000	-	Learn More Add Review
Bank of Zachary	1.05%	$10,000	-	Learn More Add Review
Landmark Bank	1.01%	$10,000	-	Learn More Add Review
CLB The Community Bank	1.01%	$100,000	-	Learn More Add Review
TD Bank, National Association	1.00%	$10,000	-	Learn More
Rate History: 4.00% → 1.00% → 4.00% → 1.00%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Commercial Capital Bank	1.00%	$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)
Farmers-Merchants Bank & Trust Company	1.00%	$10,000	-	Learn More Add Review
Simmesport State Bank	1.00%	$10,000	-	Learn More
ron derfel \| Feb 2, 2015 Do you accept cd opening deposits from mass. and how. thanks. 100,000 or more if rates can be improved a bit. thanks Read More Reviews (1)
The Bank	0.95%	$10,000	-	Learn More
John \| Oct 1, 2019 What is the Swift code for Thebank Read More Reviews (1)
Citizens Bank & Trust Company of Vivian, Louisiana	0.90%	$10,000	-	Learn More Add Review
Merchants & Farmers Bank & Trust Company	0.90%	$100,000	-	Learn More Add Review
Lakeside Bank	0.90%	$10,000	-	Learn More
Cassie Sonnier \| Mar 26, 2022 Worst bank. They close your account without telling you and then make you wait for your money you have left. Read More Reviews (1)
St. Landry Bank and Trust Company	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	0.86%	$10,000	-	Learn More Add Review
First Guaranty Bank	0.85%	$10,000	-	Learn More Add Review
Heritage Bank of St Tammany	0.85%	$10,000	-	Learn More Add Review
CLB The Community Bank	0.80%	$10,000	-	Learn More Add Review
Caldwell Bank & Trust Company	0.80%	$10,000	-	Learn More Add Review
Citizens Progressive Bank	0.80%	$10,000	-	Learn More Add Review
Delta Bank	0.80%	$100,000	-	Learn More Add Review
Guaranty Bank & Trust Company of Delhi, Louisiana	0.80%	$1,000	-	Learn More Add Review
Franklin State Bank & Trust Company	0.80%	$10,000	-	Learn More Add Review
American Bank & Trust Company	0.80%	$10,000	-	Learn More Add Review
FIDELITY BANK	0.80%	$10,000	-	Learn More
sal \| Apr 15, 2020 Correction: 2/15/2020 6 months rate is .80% Read More Reviews (2)
Citizens Savings Bank	0.80%	$10,000	-	Learn More Add Review
Plaquemine Bank & Trust Company	0.75%	$10,000	-	Learn More Add Review
First National Bank in DeRidder	0.75%	$1,000	-	Learn More Add Review
Citizens National Bank, N.A.	0.75%	$10,000	-	Learn More Add Review
BOM Bank	0.75%	$10,000	-	Learn More Add Review
First American Bank and Trust	0.75%	$10,000	-	Learn More Add Review
United Mississippi Bank	0.75%	$10,000	-	Learn More Add Review
Beauregard FSB	0.75%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Company	0.75%	$1,000	-	Learn More Add Review
First National Bank USA	0.75%	$10,000	-	Learn More Add Review
South Lafourche Bank & Trust Company	0.75%	$10,000	-	Learn More Add Review
Tensas State Bank	0.71%	$2,500	-	Learn More Add Review
Basile State Bank	0.70%	$100,000	-	Learn More Add Review
Gulf Coast Bank	0.70%	$10,000	-	Learn More Add Review
Resource Bank	0.70%	$10,000	-	Learn More Add Review
Marion State Bank	0.65%	$500	-	Learn More Add Review
Bank of Coushatta	0.65%	$10,000	-	Learn More Add Review
Delta Bank	0.65%	$10,000	-	Learn More Add Review
Concordia Bank & Trust Company	0.65%	$10,000	-	Learn More Add Review
Home Bank, National Association	0.65%	$10,000	-	Learn More Add Review
South Louisiana Bank	0.65%	$100,000	-	Learn More Add Review
Bank of St. Francisville	0.60%	$10,000	-	Learn More Add Review
Progressive National Bank Restrictions	0.60%	$10,000	-	Learn More Add Review
Jonesboro State Bank	0.60%	$10,000	-	Learn More Add Review
Homeland Federal Savings Bank	0.60%	$10,000	-	Learn More Add Review
City Bank & Trust Co.	0.60%	$10,000	-	Learn More Add Review
Sicily Island State Bank	0.60%	$10,000	-	Learn More Add Review
Basile State Bank	0.60%	$10,000	-	Learn More Add Review
Bank of Sunset and Trust Company	0.60%	$10,000	-	Learn More Add Review
United Community Bank	0.60%	$10,000	-	Learn More Add Review
Investar Bank, National Association	0.60%	$10,000	-	Learn More Add Review
Fifth District Savings Bank	0.60%	$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)
South Louisiana Bank	0.60%	$10,000	-	Learn More Add Review
Community Bank of Louisiana	0.55%	$100,000	-	Learn More Add Review
Bank of Winnfield & Trust Company	0.55%	$100,000	-	Learn More Add Review
Colfax Banking Company	0.55%	$10,000	-	Learn More Add Review
Liberty Bank and Trust Company	0.53%	$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%	$10,000	-	Learn More Add Review
American Bank & Trust Company	0.50%	$10,000	-	Learn More Add Review
Investar Bank, National Association	0.50%	$10,000	-	Learn More Add Review
Vermilion Bank & Trust Company	0.50%	$100,000	-	Learn More Add Review
State Bank & Trust Company	0.50%	$10,000	-	Learn More Add Review
Synergy Bank	0.50%	$10,000	-	Learn More Add Review
Home Federal Bank	0.40%	$10,000	-	Learn More Add Review
The Mer Rouge State Bank	0.40%	$10,000	-	Learn More Add Review
Gulf Coast Bank and Trust Company	0.40%	$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)
Cottonport Bank	0.40%	$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	0.40%	$10,000	-	Learn More Add Review
The First, A National Banking Association	0.40%	$10,000	-	Learn More Add Review
Gibsland Bank & Trust Company	0.38%	$100,000	-	Learn More Add Review
Sabine State Bank and Trust Company	0.35%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Company	0.25%	$10,000	-	Learn More Add Review
BankPlus	0.25%	$1,000	-	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	0.25%	$1,000	-	Learn More Add Review
Cross Keys Bank	0.20%	$2,500	-	Learn More Add Review
Community Bank of Louisiana	0.20%	$10,000	-	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
First Horizon Bank	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Anthem Bank & Trust	0.10%	$10,000	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 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)
Regions Bank	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
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)
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

Two Year CDs - Branch Banks 2024

Two year CDs, also know as 24 month CDs are an intermediate term product that commits a depositor to keeping their money in the bank for 24 months in return for a fixed rate of return during that period. All two year CDs shown on BestCashCow are FDIC insured.

While two year CDs commit a person to locking their money in for double the time of a 12 month CD, the rate is not double. As a result, a depositor should think about whether the extra rate is worth the extra time commitment.

In general, if rates are rising, it makes sense not to lock up money for an extended period of time.

If rates are falling, then it makes sense to put money into a longer-term instrument to lock-in a higher rate.

Many find opening CDs at local bank is often easier than online. In a branch, a depositor can sign CD documents and initiate a CD in person, and can often get it done faster than mailing a check or initiating a wire transfer in order to get their money to an online bank. Many also appreciate the opportunity to interact face to face with a real human being as opposed to by phone or instant messaging.

The advantages of a two year branch CD are:

A higher rate than 12 month CDs in return for leaving the money in the bank longer.
A fixed rate during the 24 month period.
A generally higher rate for the same term than what can be found in a branch-based bank.
FDIC insurance.
Convenience of opening and managing the CD online.

The disadvantages of a two year branch CDs are:

Rates are generally lower than on the top online savings and CD accounts.
Money is tied up for two years. Removing it early results in significant penalties.
Opening online can often take several days. Problems must be handled online or via the phone as there is no branch.

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 – 2-Year

PRODUCT INFORMATION

Two Year CDs - Branch Banks 2024

The advantages of a two year branch CD are:

The disadvantages of a two year branch CDs are:

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