Best 6-Month CD Rates in Louisiana, LA

You are viewing rates from banks across Louisiana

Below are the best six-month CD Rates from banks with branches in Louisiana. Six-month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

LA - November 27, 2024

6 Month CD National Average : 0.41% ^?

Banks	APY	MIN	MILES ^?
Regions Bank	4.50%	$2,500	-	Learn More Add Review
Rate History: 0.01% → 4.50%
My e-Banc, a division of Bradesco BAC Florida Bank	4.50%	$5,000	-	Learn More Add Review
Rate History: 5.30% → 5.40% → 5.20% → 5.05% → 4.50%
Matty H \| Sep 22, 2023 Terrible bank. Terrible service. Not equipped to service customers outside Florida. Plays games with your taxes by issuing 1090s whenever. Really shouldn't be on this list or your radar. Avoid. Read More
TD Bank, National Association	4.50% 1.00%	$10,001 $10,000	-	Learn More
Rate History: 5.00% → 4.50%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Banesco USA	4.50%	$1,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.10% → 5.25% → 5.20% → 5.00% → 4.50%
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)
Bask Bank, a division of Texas Capital Bank	4.45%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 5.10% → 5.00% → 4.80% → 4.70% → 4.45%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
Hingham Institution for Savings	4.30%	$1,000	-	Learn More Add Review
Rate History: 4.85% → 4.80% → 4.50% → 4.39% → 4.30%
Bank of America, National Association	4.00%	$10,000	-	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)
Capital One, National Association	3.90%	$0	-	Learn More
Rate History: 4.35% → 4.25% → 4.20% → 4.00% → 3.90%
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)
Citibank, National Association	3.50%	$500	-	Learn More
Rate History: 0.05% → 4.75% → 4.65% → 3.75% → 3.50%
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)
USAA Federal Savings Bank	3.45%	$1,000	-	Learn More
Rate History: 5.25% → 4.65% → 4.55% → 3.45%
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)
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)
Bank of Whittier, National Association	3.33%	$1,000	-	Learn More Add Review
Woodforest National Bank	3.00%	$500	-	Learn More
Rate History: 3.35% → 3.00%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd 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)
Wells Fargo Bank, National Association	2.01% 2.00%	$100,000 $25,000	-	Learn More
Rate History: 2.50% → 2.51% → 2.01%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
JPMorgan Chase Bank, National Association	1.50%	$10,000	-	Learn More
Rate History: 3.00% → 2.00% → 1.50%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
CLB The Community Bank	0.65%	$100,000	-	Learn More Add Review
Bank of Zachary	0.65%	$10,000	-	Learn More Add Review
Washington State Bank	0.60%	$10,000	-	Learn More Add Review
Bank of Erath	0.60%	$10,000	-	Learn More Add Review
Bank of Abbeville & Trust Company	0.60%	$10,000	-	Learn More Add Review
Merchants & Farmers Bank & Trust Company	0.55%	$100,000	-	Learn More Add Review
St. Landry Bank and Trust Company	0.55%	$10,000	-	Learn More Add Review
Guaranty Bank and Trust Company	0.55%	$10,000	-	Learn More Add Review
Merchants & Farmers Bank & Trust Company	0.53%	$10,000	-	Learn More Add Review
CLB The Community Bank	0.50%	$10,000	-	Learn More Add Review
Commerce Community Bank	0.50%	$1,000	-	Learn More Add Review
St Landry Homestead Federal Savings Bank	0.50%	$1,000	-	Learn More Add Review
Citizens Bank & Trust Company	0.50%	$1,000	-	Learn More Add Review
First Guaranty Bank	0.50%	$10,000	-	Learn More Add Review
Commercial Capital Bank	0.50%	$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)
Jonesboro State Bank	0.50%	$10,000	-	Learn More Add Review
JD Bank	0.50%	$10,000	-	Learn More Add Review
Beauregard FSB	0.50%	$10,000	-	Learn More Add Review
Simmesport State Bank	0.50%	$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)
Heritage Bank of St Tammany	0.50%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Company of Vivian, Louisiana	0.45%	$10,000	-	Learn More Add Review
Basile State Bank	0.45%	$10,000	-	Learn More Add Review
Citizens Savings Bank	0.45%	$10,000	-	Learn More Add Review
South Lafourche Bank & Trust Company	0.45%	$10,000	-	Learn More Add Review
Caldwell Bank & Trust Company	0.40%	$10,000	-	Learn More Add Review
Citizens Progressive Bank	0.40%	$10,000	-	Learn More Add Review
Guaranty Bank & Trust Company of Delhi, Louisiana	0.40%	$1,000	-	Learn More Add Review
Franklin State Bank & Trust Company	0.40%	$10,000	-	Learn More Add Review
The Bank	0.40%	$10,000	-	Learn More
John \| Oct 1, 2019 What is the Swift code for Thebank Read More Reviews (1)
American Bank & Trust Company	0.40%	$10,000	-	Learn More Add Review
Vermilion Bank & Trust Company	0.40%	$100,000	-	Learn More Add Review
Gulf Coast Bank	0.40%	$10,000	-	Learn More Add Review
Bank of St. Francisville	0.40%	$10,000	-	Learn More Add Review
Landmark Bank	0.40%	$10,000	-	Learn More Add Review
Investar Bank, National Association	0.37%	$10,000	-	Learn More Add Review
First National Bank in DeRidder	0.35%	$1,000	-	Learn More Add Review
Marion State Bank	0.35%	$500	-	Learn More Add Review
Delta Bank	0.35%	$100,000	-	Learn More Add Review
Bank of Winnfield & Trust Company	0.35%	$100,000	-	Learn More Add Review
Investar Bank, National Association	0.35%	$10,000	-	Learn More Add Review
Farmers-Merchants Bank & Trust Company	0.35%	$100,000	-	Learn More Add Review
FIDELITY BANK	0.35%	$10,000	-	Learn More
sal \| Apr 15, 2020 Correction: 2/15/2020 6 months rate is .80% Read More Reviews (2)
Resource Bank	0.35%	$10,000	-	Learn More Add Review
Synergy Bank	0.35%	$10,000	-	Learn More Add Review
Bank of Coushatta	0.30%	$10,000	-	Learn More Add Review
Progressive National Bank Restrictions	0.30%	$10,000	-	Learn More Add Review
First American Bank and Trust	0.30%	$10,000	-	Learn More Add Review
Homeland Federal Savings Bank	0.30%	$10,000	-	Learn More Add Review
Bank of Winnfield & Trust Company	0.30%	$10,000	-	Learn More Add Review
American Bank & Trust Company	0.30%	$10,000	-	Learn More Add Review
Vermilion Bank & Trust Company	0.30%	$10,000	-	Learn More Add Review
United Community Bank	0.30%	$10,000	-	Learn More Add Review
Tensas State Bank	0.26%	$2,500	-	Learn More Add Review
Citizens Bank & Trust Company	0.25%	$10,000	-	Learn More Add Review
Citizens National Bank, N.A.	0.25%	$10,000	-	Learn More Add Review
Community Bank of Louisiana	0.25%	$100,000	-	Learn More Add Review
BOM Bank	0.25%	$10,000	-	Learn More Add Review
Gibsland Bank & Trust Company	0.25%	$100,000	-	Learn More Add Review
Concordia Bank & Trust Company	0.25%	$100,000	-	Learn More Add Review
United Mississippi Bank	0.25%	$10,000	-	Learn More Add Review
Colfax Banking Company	0.25%	$10,000	-	Learn More Add Review
Farmers-Merchants Bank & Trust Company	0.25%	$10,000	-	Learn More Add Review
Community First Bank	0.25%	$10,000	-	Learn More Add Review
Fifth District Savings Bank	0.25%	$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	0.25%	$10,000	-	Learn More Add Review
South Louisiana Bank	0.25%	$10,000	-	Learn More Add Review
State Bank & Trust Company	0.25%	$10,000	-	Learn More Add Review
Cross Keys Bank	0.20%	$2,500	-	Learn More Add Review
Exchange Bank and Trust Company, Natchitoches, Louisiana	0.20%	$10,000	-	Learn More Add Review
Home Federal Bank	0.20%	$10,000	-	Learn More Add Review
Origin Bank	0.20%	$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)
FSNB, National Association	0.20%	$10,000	-	Learn More Add Review
Bank of Oak Ridge	0.20%	$10,000	-	Learn More Add Review
The Mer Rouge State Bank	0.20%	$10,000	-	Learn More Add Review
Delta Bank	0.20%	$10,000	-	Learn More Add Review
City Bank & Trust Co.	0.20%	$10,000	-	Learn More Add Review
Concordia Bank & Trust Company	0.20%	$10,000	-	Learn More Add Review
Sicily Island State Bank	0.20%	$10,000	-	Learn More Add Review
Home Bank, National Association	0.20%	$10,000	-	Learn More Add Review
Lakeside Bank	0.20%	$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)
Bank of Sunset and Trust Company	0.20%	$10,000	-	Learn More Add Review
Plaquemine Bank & Trust Company	0.20%	$10,000	-	Learn More Add Review
Liberty Bank and Trust Company	0.17%	$10,000	-	Learn More Add Review
Progressive Bank	0.15%	$1,000	-	Learn More Add Review
BankPlus	0.15%	$1,000	-	Learn More Add Review
Gulf Coast Bank and Trust Company	0.15%	$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)
The First, A National Banking Association	0.15%	$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)
Cottonport Bank	0.10%	$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)
Anthem Bank & Trust	0.10%	$10,000	-	Learn More Add Review
Metairie Bank & Trust Company	0.10%	$10,000	-	Learn More Add Review
Gibsland Bank & Trust Company	0.09%	$10,000	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
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)
Community Bank of Louisiana	0.05%	$10,000	-	Learn More Add Review
Sabine State Bank and Trust Company	0.05%	$10,000	-	Learn More Add Review
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)

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

6 Month Branch Certificates of Deposit 2024

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
CDs provide a predictable, set rate of return.
Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
The deposited money is committed for six months.
Six month CDs from traditional banks often pay less interest than from online banks.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

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 – 6-Month

PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2024

The advantages of six month CDs opened via a traditional bank are:

The disadvantages of six month CDs are:

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