Best 4-Year CD Rates in Louisiana, LA

You are viewing rates from banks across Louisiana

Below are four-year CD Rates from banks in Louisiana . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

LA - November 27, 2024

4 Year CD National Average : 0.81% ^?

Banks	APY	MIN	MILES ^?
Crescent Bank	3.80%	$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	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.65% → 4.55% → 4.20% → 4.05% → 3.80%
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)
Capital One, National Association	3.55%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55%
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	3.00%	$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)
Citizens	3.00%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
USAA Federal Savings Bank	2.50%	$1,000	-	Learn More
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)
Hibernia Bank	2.02%	$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)
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: 2.00% → 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)
Community First Bank	1.51%	$10,000	-	Learn More Add Review
Simmesport State Bank	1.36%	$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)
JD Bank	1.35%	$10,000	-	Learn More Add Review
Washington State Bank	1.35%	$10,000	-	Learn More Add Review
St Landry Homestead Federal Savings Bank	1.31%	$1,000	-	Learn More Add Review
Woodforest National Bank	1.30%	$500	-	Learn More
Rate History: 1.00% → 1.30%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Bank of Zachary	1.26%	$10,000	-	Learn More Add Review
Heritage Bank of St Tammany	1.26%	$10,000	-	Learn More Add Review
Guaranty Bank and Trust Company	1.22%	$10,000	-	Learn More Add Review
Delta Bank	1.21%	$100,000	-	Learn More Add Review
Commercial Capital Bank	1.16%	$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)
First Guaranty Bank	1.15%	$10,000	-	Learn More Add Review
Landmark Bank	1.14%	$10,000	-	Learn More Add Review
Delta Bank	1.06%	$10,000	-	Learn More Add Review
FIDELITY BANK	1.05%	$10,000	-	Learn More
sal \| Apr 15, 2020 Correction: 2/15/2020 6 months rate is .80% Read More Reviews (2)
Plaquemine Bank & Trust Company	1.01%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Company of Vivian, Louisiana	1.00%	$10,000	-	Learn More Add Review
Citizens National Bank, N.A.	1.00%	$10,000	-	Learn More Add Review
BOM Bank	1.00%	$10,000	-	Learn More Add Review
Colfax Banking Company	1.00%	$10,000	-	Learn More Add Review
Bank of Sunset and Trust Company	1.00%	$10,000	-	Learn More Add Review
Bank of St. Francisville	1.00%	$10,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
First American Bank and Trust	0.95%	$10,000	-	Learn More Add Review
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	0.95%	$1,000	-	Learn More Add Review
South Louisiana Bank	0.95%	$100,000	-	Learn More Add Review
City Bank & Trust Co.	0.90%	$10,000	-	Learn More Add Review
Concordia 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)
Citizens Savings Bank	0.90%	$10,000	-	Learn More Add Review
First National Bank in DeRidder	0.85%	$1,000	-	Learn More Add Review
American Bank & Trust Company	0.85%	$10,000	-	Learn More Add Review
South Louisiana Bank	0.85%	$10,000	-	Learn More Add Review
Home Federal Bank	0.80%	$10,000	-	Learn More Add Review
Basile State Bank	0.80%	$100,000	-	Learn More Add Review
Fifth District Savings Bank	0.80%	$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)
Gulf Coast Bank	0.78%	$10,000	-	Learn More Add Review
Concordia Bank & Trust Company	0.75%	$10,000	-	Learn More Add Review
United Mississippi Bank	0.75%	$10,000	-	Learn More Add Review
Home Bank, National Association	0.75%	$10,000	-	Learn More Add Review
Basile State Bank	0.75%	$10,000	-	Learn More Add Review
Liberty Bank and Trust Company	0.75%	$10,000	-	Learn More Add Review
Resource Bank	0.75%	$10,000	-	Learn More Add Review
Sicily Island State Bank	0.70%	$10,000	-	Learn More Add Review
Marion State Bank	0.65%	$500	-	Learn More Add Review
Investar Bank, National Association	0.65%	$10,000	-	Learn More Add Review
Synergy Bank	0.65%	$10,000	-	Learn More Add Review
Bank of Winnfield & Trust Company	0.60%	$10,000	-	Learn More Add Review
Cottonport Bank	0.60%	$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)
Investar Bank, National Association	0.55%	$10,000	-	Learn More Add Review
The First, A National Banking Association	0.55%	$10,000	-	Learn More Add Review
Bank of Oak Ridge	0.50%	$10,000	-	Learn More Add Review
Gulf Coast Bank and Trust Company	0.50%	$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)
State Bank & Trust Company	0.50%	$10,000	-	Learn More Add Review
BankPlus	0.45%	$1,000	-	Learn More Add Review
Metairie Bank & Trust Company	0.45%	$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	0.25%	$1,000	-	Learn More Add Review
U.S. Bank National Association	0.15%	$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)
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
Regions Bank	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 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)
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

Four Year CDs - Branch Banks 2024

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

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.

SAVINGS & CD CALCULATOR

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Louisiana CD Rates – 4-Year

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2024

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

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