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 - August 19, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.10%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.05% → 4.00% → 3.90% → 4.15% → 4.10%
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
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Merrick Bank	3.90%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.00% → 3.85% → 4.05% → 3.90%
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 Shreveport Limited Purpose 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)
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
M.Y. Safra Bank	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Seattle Bank	3.70%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%
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)
Virtualbank, a division of First Horizon Bank	3.67%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Capital One, National Association Haynesville Drive-Up 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)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
Gateway First Bank	3.40%	$500	-	Learn More
Rate History: 3.00% → 3.40%
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)
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
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
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Citizens	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Hibernia Bank 5620 Veterans Memorial Blvd 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)
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)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association Lakeside Plaza 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 Broussard Branch	1.51%	$10,000	-	Learn More Add Review
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
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)
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
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 Mamou Branch	1.35%	$10,000	-	Learn More Add Review
Washington State Bank Leonville Branch	1.35%	$10,000	-	Learn More Add Review
St Landry Homestead Federal Savings Bank Port Barre Branch	1.31%	$1,000	-	Learn More Add Review
Woodforest National Bank 8188 Houma Louisiana Walmart 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
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
Guaranty Bank and Trust Company Livonia Branch	1.22%	$10,000	-	Learn More Add Review
Delta Bank Lake Providence 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 Kentwood Branch	1.15%	$10,000	-	Learn More Add Review
Landmark Bank Greensburg Branch	1.14%	$10,000	-	Learn More Add Review
Delta Bank Lake Providence Branch	1.06%	$10,000	-	Learn More Add Review
FIDELITY BANK River Ridge 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. Haynesville Branch	1.00%	$10,000	-	Learn More Add Review
BOM Bank Youree Drive Branch	1.00%	$10,000	-	Learn More Add Review
Colfax Banking Company Pollock Branch	1.00%	$10,000	-	Learn More Add Review
Bank of Sunset and Trust Company Lafayette 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
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
First American Bank and Trust Norco Branch	0.95%	$10,000	-	Learn More Add Review
The Bank Lake Arthur 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 Barker's Corner Branch	0.95%	$1,000	-	Learn More Add Review
South Louisiana Bank West Park 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 Main Street Branch	0.90%	$10,000	-	Learn More Add Review
First National Bank in DeRidder Park Terrace Branch	0.85%	$1,000	-	Learn More Add Review
American Bank & Trust Company Hammond Branch	0.85%	$10,000	-	Learn More Add Review
South Louisiana Bank West Park Branch	0.85%	$10,000	-	Learn More Add Review
Home Federal Bank Mansfield Road Branch	0.80%	$10,000	-	Learn More Add Review
Basile State Bank Eunice Branch	0.80%	$100,000	-	Learn More Add Review
Fifth District Savings Bank 4800 Tenth St 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 Maurice 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 5435 Magazine St Branch	0.75%	$10,000	-	Learn More Add Review
Basile State Bank Eunice Branch	0.75%	$10,000	-	Learn More Add Review
Liberty Bank and Trust Company Greenwell Springs Branch	0.75%	$10,000	-	Learn More Add Review
Resource Bank Franklinton Branch	0.75%	$10,000	-	Learn More Add Review
Sicily Island State Bank Winnsboro Branch	0.70%	$10,000	-	Learn More Add Review
Marion State Bank Sterlington Branch	0.65%	$500	-	Learn More Add Review
Investar Bank, National Association Investar Bank Branch	0.65%	$10,000	-	Learn More Add Review
Synergy Bank East Houma Office 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 Effie 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 Investar 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 Lakeview 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 Larose Branch	0.50%	$10,000	-	Learn More Add Review
BankPlus	0.45%	$1,000	-	Learn More Add Review
Metairie Bank & Trust Company Airline Highway 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 Bocage Branch	0.25%	$10,000	-	Learn More Add Review
Origin Bank Highway 2 Banking 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 Fern Avenue Financial Center 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
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	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 East Baton Rouge Branch	0.10%	$10,000	-	Learn More Add Review
Regions Bank Florida Blvd Branch	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.

Branches Info around zip 10116

Branch	Street	City	State
Crescent Bank Shreveport Limited Purpose Branch	900 Pierremont, Suite 120	Shreveport	LA
Capital One, National Association Haynesville Drive-Up Branch	9999 Highway 79	Haynesville	LA
Hibernia Bank 5620 Veterans Memorial Blvd Branch	5620 Veterans Boulevard	Metairie	LA
JPMorgan Chase Bank, National Association Lakeside Plaza Branch	127 W Broad St	Lake Charles	LA
Community First Bank Broussard Branch	801 Albertson Parkway	Broussard	LA
Simmesport State Bank Simmesport State Bank Branch	Highway 1 And Laurel Street	Simmesport	LA
JD Bank Mamou Branch	609 Main Street	Mamou	LA
Washington State Bank Leonville Branch	3371 Oscar Rivette Street	Leonville	LA
Catalyst Bank Port Barre Branch	341 Saizan Avenue	Port Barre	LA
Woodforest National Bank 8188 Houma Louisiana Walmart Branch	933 Grand Caillou Road	Houma	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 Livonia Branch	3026 Highway 78	Livonia	LA
Delta Bank Lake Providence Branch	406 Lake Street	Lake Providence	LA
Commercial Capital Bank Commercial Capital Bank Branch	311 Broadway	Delhi	LA
First Guaranty Bank Kentwood Branch	723 Ave G	Kentwood	LA
Landmark Bank Greensburg Branch	31 Kendrick	Greensburg	LA
Delta Bank Lake Providence Branch	406 Lake Street	Lake Providence	LA
FIDELITY BANK River Ridge Branch	9099 Jefferson Hwy	River Ridge	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 Haynesville Branch	9865 Highway 79	Haynesville	LA
BOM Bank Youree Drive Branch	4321 Youree Drive	Shreveport	LA
Colfax Banking Company Pollock Branch	U.S. Highway 165	Pollock	LA
Bank of Sunset and Trust Company Lafayette Branch	900 Kaliste Saloom Road	Lafayette	LA
Bank of St. Francisville Bank Of St. Francisville Branch	5700 Commerce Street	Saint Francisville	LA
First American Bank and Trust Norco Branch	903 First Street	Norco	LA
The Bank Lake Arthur Branch	800 North Highway 26	Lake Arthur	LA
Citizens Bank & Trust Company Barker's Corner Branch	79030 Hwy 437	Covington	LA
South Louisiana Bank West Park Branch	6405 West Park Avenue	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 Main Street Branch	828 Main Street	Franklinton	LA
First National Bank in DeRidder Park Terrace Branch	Highway 171 North	De Ridder	LA
American Bank Hammond Branch	506 S. W. Railroad Avenue	Hammond	LA
South Louisiana Bank West Park Branch	6405 West Park Avenue	Houma	LA
Home Federal Bank Mansfield Road Branch	9300 Mansfield Road	Shreveport	LA
Basile State Bank Eunice Branch	751 West Maple Avenue	Eunice	LA
Fifth District Savings Bank 4800 Tenth St Branch	4800 Tenth Street	Marrero	LA
Gulf Coast Bank Maurice Branch	9302 Maurice Ave	Maurice	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 5435 Magazine St Branch	5435 Magazine Street	New Orleans	LA
Basile State Bank Eunice Branch	751 West Maple Avenue	Eunice	LA
Liberty Bank and Trust Company Greenwell Springs Branch	8796 Greenwell Springs Road	Baton Rouge	LA
Resource Bank Franklinton Branch	950 Tenth Avenue	Franklinton	LA
Sicily Island State Bank Winnsboro Branch	6800 Kinloch Street	Winnsboro	LA
Marion State Bank Sterlington Branch	9032 Highway #165 North	Sterlington	LA
Investar Bank, National Association Investar Bank Branch	7244 Perkins Road	Baton Rouge	LA
Synergy Bank East Houma Office Branch	919 Grand Caillou Road	Houma	LA
Bank of Winnfield & Trust Company Bank Of Winnfield & Trust Company Branch	Jones And Main Streets	Winnfield	LA
Cottonport Bank Effie Branch	State Highway 115	Effie	LA
Investar Bank, National Association Investar Bank Branch	7244 Perkins Road	Baton Rouge	LA
Bank of Oak Ridge Bank Of Oak Ridge Branch	105 N. Oak	Oak Ridge	LA
Gulf Coast Bank and Trust Company Lakeview Branch	848 Harrison Avenue	New Orleans	LA
State Bank & Trust Company Larose Branch	Highway 308	Larose	LA
Metairie Bank & Trust Company Airline Highway Branch	7807 Airline Highway	Metairie	LA
Citizens Bank & Trust Company Bocage Branch	7646 Jefferson Highway	Baton Rouge	LA
Origin Bank Highway 2 Banking Center Branch	929 Sterlington Hwy	Farmerville	LA
Progressive Bank Fern Avenue Financial Center Branch	8550 Fern Avenue	Shreveport	LA
Anthem Bank & Trust East Baton Rouge Branch	7809 Jefferson Hwy	Baton Rouge	LA
Regions Bank Florida Blvd Branch	9590 Florida Boulevard	Baton Rouge	LA
Regions Bank Florida Blvd Branch	9590 Florida Boulevard	Baton Rouge	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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Four Year CDs - Branch Banks 2025

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