Best 4-Year CD Rates in St. Martinville, Louisiana, LA

You are viewing rates from banks across St. Martinville

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.

St. Martinville, LA - August 2, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Merrick Bank	4.05%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.10% → 4.00% → 3.85% → 4.05%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
Crescent Bank Crescent Bank & Trust Branch	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)
Capital One, National Association Capital One, National Association Branch	3.50%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
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)
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$5,000	-	Learn More Add Review
james \| Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More
Hibernia Bank Union Savings And Loan Association Branch	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)
JPMorgan Chase Bank, National Association Houma Main Branch	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 Community First Bank Branch	1.51%	$10,000	-	Learn More Add Review
Simmesport State Bank Simmesport State Bank Branch	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 Jd Bank Branch	1.35%	$10,000	-	Learn More Add Review
Washington State Bank Washington State Bank Branch	1.35%	$10,000	-	Learn More Add Review
St Landry Homestead Federal Savings Bank St Landry Homestead Federal Savings Branch	1.31%	$1,000	-	Learn More Add Review
Woodforest National Bank Ruston Branch	1.30%	$500	-	Learn More
Rate History: 1.00% → 1.30% → 1.40% → 1.30%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Bank of Zachary Bank Of Zachary Branch	1.26%	$10,000	-	Learn More Add Review
Heritage Bank of St Tammany Heritage Bank Of St Tammany Branch	1.26%	$10,000	-	Learn More Add Review
Guaranty Bank and Trust Company Maringouin Br Branch	1.22%	$10,000	-	Learn More Add Review
Delta Bank Louisiana Central Bank Branch	1.21%	$100,000	-	Learn More Add Review
Commercial Capital Bank Commercial Capital Bank Branch	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 Greensburg Branch	1.15%	$10,000	-	Learn More Add Review
Landmark Bank Landmark Bank Branch	1.14%	$10,000	-	Learn More Add Review
Delta Bank Louisiana Central Bank Branch	1.06%	$10,000	-	Learn More Add Review
FIDELITY BANK Fidelity Bank Branch	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 Plaquemine Bank & Trust Company Branch	1.01%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Company of Vivian, Louisiana Citizens Bank & Trust Company Of Vivian, Louisiana Branch	1.00%	$10,000	-	Learn More Add Review
Citizens National Bank, N.A. Springhill Branch	1.00%	$10,000	-	Learn More Add Review
BOM Bank Bom Bank Branch	1.00%	$10,000	-	Learn More Add Review
Colfax Banking Company Colfax Banking Company Branch	1.00%	$10,000	-	Learn More Add Review
Bank of Sunset and Trust Company Bank Of Sunset And Trust Company Branch	1.00%	$10,000	-	Learn More Add Review
Bank of St. Francisville Bank Of St. Francisville Branch	1.00%	$10,000	-	Learn More Add Review
First American Bank and Trust First American Bank And Trust Branch	0.95%	$10,000	-	Learn More Add Review
The Bank The Bank Branch	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 Citizens Bank & Trust Company Branch	0.95%	$1,000	-	Learn More Add Review
South Louisiana Bank South Louisiana Bank Branch	0.95%	$100,000	-	Learn More Add Review
City Bank & Trust Co. City Bank & Trust Co. Branch	0.90%	$10,000	-	Learn More Add Review
Concordia Bank & Trust Company Concordia Bank & Trust Company Branch	0.90%	$100,000	-	Learn More Add Review
Lakeside Bank Lakeside Bank Branch	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 Citizens Savings Bank Branch	0.90%	$10,000	-	Learn More Add Review
First National Bank in DeRidder First National Bank In Deridder Branch	0.85%	$1,000	-	Learn More Add Review
American Bank & Trust Company American Bank & Trust Company Branch	0.85%	$10,000	-	Learn More Add Review
South Louisiana Bank South Louisiana Bank Branch	0.85%	$10,000	-	Learn More Add Review
Home Federal Bank Home Federal Bank Branch	0.80%	$10,000	-	Learn More Add Review
Basile State Bank Basile State Bank Branch	0.80%	$100,000	-	Learn More Add Review
Fifth District Savings Bank Fifth District Savings Bank Branch	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 Gulf Coast Bank Branch	0.78%	$10,000	-	Learn More Add Review
Concordia Bank & Trust Company Concordia Bank & Trust Company Branch	0.75%	$10,000	-	Learn More Add Review
United Mississippi Bank Vidalia Branch	0.75%	$10,000	-	Learn More Add Review
Home Bank, National Association St Martinville Br Branch	0.75%	$10,000	-	Learn More Add Review
Basile State Bank Basile State Bank Branch	0.75%	$10,000	-	Learn More Add Review
Liberty Bank and Trust Company Liberty Bank And Trust Company Branch	0.75%	$10,000	-	Learn More Add Review
Resource Bank Resource Bank Branch	0.75%	$10,000	-	Learn More Add Review
Sicily Island State Bank Sicily Island State Bank Branch	0.70%	$10,000	-	Learn More Add Review
Marion State Bank Marion State Bank Branch	0.65%	$500	-	Learn More Add Review
Investar Bank, National Association The Highlands Bank Branch	0.65%	$10,000	-	Learn More Add Review
Synergy Bank Synergy Bank Branch	0.65%	$10,000	-	Learn More Add Review
Bank of Winnfield & Trust Company Bank Of Winnfield & Trust Company Branch	0.60%	$10,000	-	Learn More Add Review
Cottonport Bank Cottonport Bank Branch	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 The Highlands Bank Branch	0.55%	$10,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
Bank of Oak Ridge Bank Of Oak Ridge Branch	0.50%	$10,000	-	Learn More Add Review
Gulf Coast Bank and Trust Company Gulf Coast Bank And Trust Company Branch	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 State Bank & Trust Company Branch	0.50%	$10,000	-	Learn More Add Review
Metairie Bank & Trust Company Metairie Bank & Trust Company Branch	0.45%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
Citizens Bank & Trust Company Citizens Bank & Trust Company Branch	0.25%	$10,000	-	Learn More Add Review
Origin Bank Farmerville Financial Center Branch	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 Progressive Bank Branch	0.25%	$1,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
Anthem Bank & Trust Anthem Bank & Trust Branch	0.10%	$10,000	-	Learn More Add Review
Regions Bank Burnside Gonzales Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%

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

Branches Info around zip 10007

Branch	Street	City	State
Crescent Bank Crescent Bank & Trust Branch	1100 Poydras Street, Suite 100	New Orleans	LA
Capital One, National Association Capital One, National Association Branch	8386 Highway 171	Grand Cane	LA
Hibernia Bank Union Savings And Loan Association Branch	353 Carondelet St	New Orleans	LA
JPMorgan Chase Bank, National Association Houma Main Branch	231 Gabasse Street	Houma	LA
Community First Bank Community First Bank Branch	1101 E. Admiral Doyle Drive	New Iberia	LA
Simmesport State Bank Simmesport State Bank Branch	Highway 1 And Laurel Street	Simmesport	LA
JD Bank Jd Bank Branch	507 Main Street	Jennings	LA
Washington State Bank Washington State Bank Branch	103 North Main Street	Washington	LA
Catalyst Bank St Landry Homestead Federal Savings Branch	235 N Court Street	Opelousas	LA
Woodforest National Bank Ruston Branch	1201 N. Service Road East	Ruston	LA
Bank of Zachary Bank Of Zachary Branch	4743 Main Street	Zachary	LA
Heritage Bank of St Tammany Heritage Bank Of St Tammany Branch	205 North Columbia Street	Covington	LA
Guaranty Bank and Trust Company Maringouin Br Branch	11070 State Highway 77	Maringouin	LA
Delta Bank Louisiana Central Bank Branch	302 Louisiana Avenue	Ferriday	LA
Commercial Capital Bank Commercial Capital Bank Branch	311 Broadway	Delhi	LA
First Guaranty Bank Greensburg Branch	6151 Hwy 10	Greensburg	LA
Landmark Bank Landmark Bank Branch	12225 St. Helena Street	Clinton	LA
Delta Bank Louisiana Central Bank Branch	302 Louisiana Avenue	Ferriday	LA
FIDELITY BANK Fidelity Bank Branch	321 St Charles Ave	New Orleans	LA
Plaquemine Bank & Trust Company Plaquemine Bank & Trust Company Branch	24025 Eden Street	Plaquemine	LA
Citizens Bank & Trust Company of Vivian, Louisiana Citizens Bank & Trust Company Of Vivian, Louisiana Branch	West Arkansas Avenue And South Spruce Street	Vivian	LA
Bonvenu Bank, National Association Springhill Branch	18 Machen Drive	Springhill	LA
BOM Bank Bom Bank Branch	1000 Caddo Street	Montgomery	LA
Colfax Banking Company Colfax Banking Company Branch	625 Eighth Street	Colfax	LA
Bank of Sunset and Trust Company Bank Of Sunset And Trust Company Branch	863 Napoleon Avenue	Sunset	LA
Bank of St. Francisville Bank Of St. Francisville Branch	5700 Commerce Street	Saint Francisville	LA
First American Bank and Trust First American Bank And Trust Branch	2785 Hwy 20	Vacherie	LA
The Bank The Bank Branch	1304 North Cutting Avenue	Jennings	LA
Citizens Bank & Trust Company Citizens Bank & Trust Company Branch	222 New Hampshire Street	Covington	LA
South Louisiana Bank South Louisiana Bank Branch	1362 West Tunnel Boulevard	Houma	LA
City Bank & Trust Co. City Bank & Trust Co. Branch	Second And St. Denis Streets	Natchitoches	LA
Concordia Bank & Trust Company Concordia Bank & Trust Company Branch	904 Carter Street	Vidalia	LA
Lakeside Bank Lakeside Bank Branch	4735 Nelson Road	Lake Charles	LA
Citizens Savings Bank Citizens Savings Bank Branch	1725 Sullivan Drive	Bogalusa	LA
First National Bank in DeRidder First National Bank In Deridder Branch	131 North Washington Avenue	Deridder	LA
American Bank American Bank & Trust Company Branch	1819 N. Columbia Street	Covington	LA
South Louisiana Bank South Louisiana Bank Branch	1362 West Tunnel Boulevard	Houma	LA
Home Federal Bank Home Federal Bank Branch	222 Florida St	Shreveport	LA
Basile State Bank Basile State Bank Branch	3031 Stagg Ave	Basile	LA
Fifth District Savings Bank Fifth District Savings Bank Branch	4000 General Degaulle Dr	New Orleans	LA
Gulf Coast Bank Gulf Coast Bank Branch	221 South State Street	Abbeville	LA
Concordia Bank & Trust Company Concordia Bank & Trust Company Branch	904 Carter Street	Vidalia	LA
United Mississippi Bank Vidalia Branch	4257 Carter Street	Vidalia	LA
Home Bank, National Association St Martinville Br Branch	301 S Main St	Saint Martinville	LA
Basile State Bank Basile State Bank Branch	3031 Stagg Ave	Basile	LA
Liberty Bank and Trust Company Liberty Bank And Trust Company Branch	6600 Plaza Drive, Suite 600	New Orleans	LA
Resource Bank Resource Bank Branch	70533 Highway 21	Covington	LA
Sicily Island State Bank Sicily Island State Bank Branch	301 Newman Street	Sicily Island	LA
Marion State Bank Marion State Bank Branch	345 Main Street	Marion	LA
Investar Bank, National Association The Highlands Bank Branch	Erin And Church Streets	Jackson	LA
Synergy Bank Synergy Bank Branch	210 Synergy Center Blvd	Houma	LA
Bank of Winnfield & Trust Company Bank Of Winnfield & Trust Company Branch	Jones And Main Streets	Winnfield	LA
Cottonport Bank Cottonport Bank Branch	942 Bryan Street	Cottonport	LA
Investar Bank, National Association The Highlands Bank Branch	Erin And Church Streets	Jackson	LA
Bank of Oak Ridge Bank Of Oak Ridge Branch	105 N. Oak	Oak Ridge	LA
Gulf Coast Bank and Trust Company Gulf Coast Bank And Trust Company Branch	200 St. Charles Avenue	New Orleans	LA
State Bank & Trust Company State Bank & Trust Company Branch	1614 Bayou Drive	Golden Meadow	LA
Metairie Bank & Trust Company Metairie Bank & Trust Company Branch	3344 Metairie Road	Metairie	LA
Citizens Bank & Trust Company Citizens Bank & Trust Company Branch	57910 Main Street	Plaquemine	LA
Origin Bank Farmerville Financial Center Branch	200 North Main Street	Farmerville	LA
Progressive Bank Progressive Bank Branch	1411 North 19th Street	Monroe	LA
Anthem Bank & Trust Anthem Bank & Trust Branch	23910 Railroad Ave	Plaquemine	LA
Regions Bank Burnside Gonzales Branch	916 South Burnside Avenue	Gonzales	LA
Regions Bank Burnside Gonzales Branch	916 South Burnside Avenue	Gonzales	LA

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

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.

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St. Martinville, Louisiana CD Rates – 4-Year

Branches Info around zip 10007

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

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