Louisiana

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St. Gabriel, Louisiana CD Rates – 5-Year

You are viewing rates from banks across St. Gabriel





Below are 5-year CD Rates from banks that are located in St. Gabriel, { Louisiana}. Five Year Certificates of Deposit (CD) are generally the longest term CD that most banks will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

St. Gabriel, LA - August 2, 2025

5 Year CD National Average : 0.92% ?

Banks APY MIN MILES ?

Early Withdrawal Penalty is 730 days interest.
Rate History: 4.10% → 4.20% → 4.15% → 4.05% → 4.20%

| 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

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.20% → 4.15% → 4.10% → 3.95% → 4.05%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Rate History: 3.05% → 3.50% → 4.11% → 4.00%

| Mar 21, 2023

Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More

Rate History: 4.00% → 3.85% → 3.75% → 3.80%

| Aug 2, 2023

Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More

| Apr 9, 2016

The two women, Shawn and Marcie, were very nice to me and accommodated my every transaction. Read More

Rate History: 4.00% → 3.90% → 3.75% → 3.50%

| 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

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

| Feb 18, 2021

Interest rate on 1 year CD is only .40%. Five year term is .80% Read More

Rate History: 2.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

1.76%

$10,000

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| 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

1.50%

$10,000

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1.50%

$1,000

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1.50%

$10,000

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1.41%

$10,000

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1.36%

$10,000

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Rate History: 1.00% → 1.35% → 1.30% → 1.35%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

1.32%

$10,000

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1.32%

$10,000

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1.26%

$10,000

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1.26%

$100,000

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| 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

1.26%

$10,000

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1.26%

$10,000

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1.25%

$100,000

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1.21%

$10,000

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1.21%

$10,000

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1.20%

$10,000

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1.15%

$10,000

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1.15%

$100,000

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1.11%

$10,000

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1.10%

$10,000

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| Apr 15, 2020

Correction: 2/15/2020 6 months rate is .80% Read More

1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$1,000

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1.00%

$10,000

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1.00%

$10,000

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| Oct 1, 2019

What is the Swift code for Thebank Read More

0.95%

$10,000

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0.90%

$10,000

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0.90%

$10,000

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| 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

0.90%

$100,000

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0.85%

$1,000

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0.85%

$10,000

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0.85%

$10,000

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$10,000

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0.75%

$100,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.71%

$10,000

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0.65%

$500

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| 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

0.60%

$10,000

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0.60%

$10,000

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| 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

0.55%

$10,000

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| 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

0.50%

$1,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.35%

$2,500

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| 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

| 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

| 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

0.10%

$10,000

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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
Bonvenu Bank, National Association
Springhill Branch
18 Machen Drive Springhill LA
Rayne State Bank & Trust Company
Rayne State Bank & Trust Company Branch
200 South Adams Avenue Rayne LA
Washington State Bank
Washington State Bank Branch
103 North Main Street Washington LA
Heritage Bank of St Tammany
Heritage Bank Of St Tammany Branch
205 North Columbia Street Covington LA
Bank of Zachary
Bank Of Zachary Branch
4743 Main Street Zachary LA
Woodforest National Bank
Ruston Branch
1201 N. Service Road East Ruston LA
Guaranty Bank and Trust Company
Maringouin Br Branch
11070 State Highway 77 Maringouin LA
Landmark Bank
Landmark Bank Branch
12225 St. Helena Street Clinton 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
Delta Bank
Louisiana Central Bank Branch
302 Louisiana Avenue Ferriday LA
Commercial Capital Bank
Commercial Capital Bank Branch
311 Broadway Delhi LA
Bank of Sunset and Trust Company
Bank Of Sunset And Trust Company Branch
863 Napoleon Avenue Sunset LA
Plaquemine Bank & Trust Company
Plaquemine Bank & Trust Company Branch
24025 Eden Street Plaquemine LA
Bank of Erath
Bank Of Erath Branch
105 West Edwards Erath LA
Caldwell Bank & Trust Company
Caldwell Bank & Trust Company Branch
202 Main Street Columbia LA
Citizens Progressive Bank
Citizens Progressive Bank Branch
3540 Front Street Winnsboro LA
First Guaranty Bank
Greensburg Branch
6151 Hwy 10 Greensburg LA
BOM Bank
Bom Bank Branch
1000 Caddo Street Montgomery LA
Concordia Bank & Trust Company
Concordia Bank & Trust Company Branch
904 Carter Street Vidalia LA
Delta Bank
Louisiana Central Bank Branch
302 Louisiana Avenue Ferriday LA
Bank of Erath
Bank Of Erath Branch
105 West Edwards Erath LA
FIDELITY BANK
Fidelity Bank Branch
321 St Charles Ave New Orleans LA
Bank of Coushatta
Bank Of Coushatta Branch
1525 Ringgold Avenue Coushatta LA
Community Bank of Louisiana
Community Bank Of Louisiana Branch
118 Jefferson Mansfield LA
First American Bank and Trust
First American Bank And Trust Branch
2785 Hwy 20 Vacherie 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
United Mississippi Bank
Vidalia Branch
4257 Carter Street Vidalia LA
Bank of St. Francisville
Bank Of St. Francisville Branch
5700 Commerce Street Saint Francisville LA
Citizens Bank & Trust Company
Citizens Bank & Trust Company Branch
222 New Hampshire Street Covington LA
First National Bank USA
First National Bank Usa Branch
13386 Hwy 90 Boutte LA
South Lafourche Bank & Trust Company
South Lafourche Bank & Trust Company Branch
13226 West Main Street Larose LA
The Bank
The Bank Branch
1304 North Cutting Avenue Jennings LA
Citizens Savings Bank
Citizens Savings Bank Branch
1725 Sullivan Drive Bogalusa LA
Liberty Bank and Trust Company
Liberty Bank And Trust Company Branch
6600 Plaza Drive, Suite 600 New Orleans LA
United Community Bank
United Community Bank Branch
4626 Highway #1 Raceland LA
Fifth District Savings Bank
Fifth District Savings Bank Branch
4000 General Degaulle Dr New Orleans LA
South Louisiana Bank
South Louisiana Bank Branch
1362 West Tunnel Boulevard Houma LA
First National Bank in DeRidder
First National Bank In Deridder Branch
131 North Washington Avenue Deridder LA
Home Bank, National Association
St Martinville Br Branch
301 S Main St Saint Martinville LA
Investar Bank, National Association
The Highlands Bank Branch
Erin And Church Streets Jackson LA
Home Federal Bank
Home Federal Bank Branch
222 Florida St Shreveport LA
Gulf Coast Bank
Gulf Coast Bank Branch
221 South State Street Abbeville LA
South Louisiana Bank
South Louisiana Bank Branch
1362 West Tunnel Boulevard Houma LA
State Bank & Trust Company
State Bank & Trust Company Branch
1614 Bayou Drive Golden Meadow LA
Gibsland Bank & Trust Company
Gibsland Bank & Trust Company Branch
1246 Third Street Gibsland LA
Sicily Island State Bank
Sicily Island State Bank Branch
301 Newman Street Sicily Island 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
Homeland Federal Savings Bank
Homeland Federal Savings Bank Branch
7840 Us Highway 165 South Columbia LA
Marion State Bank
Marion State Bank Branch
345 Main Street Marion LA
Cottonport Bank
Cottonport Bank Branch
942 Bryan Street Cottonport LA
Gibsland Bank & Trust Company
Gibsland Bank & Trust Company Branch
1246 Third Street Gibsland LA
Jonesboro State Bank
Jonesboro State Bank Branch
109 Main Street Jonesboro LA
Gulf Coast Bank and Trust Company
Gulf Coast Bank And Trust Company Branch
200 St. Charles Avenue New Orleans LA
Metairie Bank & Trust Company
Metairie Bank & Trust Company Branch
3344 Metairie Road Metairie LA
Progressive Bank
Progressive Bank Branch
1411 North 19th Street Monroe LA
FSNB, National Association
Fsnb, National Association Branch
1645 E Bert Kouns Industrial Loop Shreveport LA
Bank of Oak Ridge
Bank Of Oak Ridge Branch
105 N. Oak Oak Ridge LA
The Mer Rouge State Bank
The Mer Rouge State Bank Branch
102 Davenport Avenue Mer Rouge LA
Cross Keys Bank
Tallulah Branch
115 North Chestnut Street Tallulah LA
Origin Bank
Farmerville Financial Center Branch
200 North Main Street Farmerville 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


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Five Year CDs - Branch Banks 2025

Five-year CDs are the big kahuna of the CD world. While banks may offer six-year, seven-year, or even 10-year CDs, the five-year is the longest of the most commonly offered terms. The 5-year CD is therefore often the highest offer at your local bank. Therefore, the temptation for those looking for yield is to open one, deposit money, and forget about it for five years. This could be a mistake. In rising rate environments a five-year CD may not be a good investment.

Safety

Like every other CD term, five year CDs from FDIC insured banks are protected 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.

Inflation

The principle threat to a a five year CD is inflation. If the CD is opened in a low rate environment, and rates and inflation subsequently rise, then inflation will erode the value of the certificate of deposit over its five years. For example, if a depositor opened a five year CD in year 1 with a yield of 2.05% APY and inflation at 1.5%, then the real return is .55 percentage points. But if inflation rises the next year to 2.5% and stays there for the next four years, then the CD in real terms is losing money every year: 2.05% - 2.5% = -.45%.

While it is impossible for anyone to predict too far into the future, savers should be cognizant of the economic environment before locking up money for a five year time-period. Our rate analysis page provides some insight into where we think rates will go.

On the other hand, if rates are falling and will continue to do so for some time due to an economic recession then it makes sense to lock in a higher rate with a five year CD. Savers who opened five year CDs in 2008 immediately after the financial crisis were able to lock in rates in the 6% range, a great move considering two years later a five year CD paid below 3%.

Interest

Five-year CDs currently pay about 1.00% 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.

Opening a Five Year CD

Opening a five year CD in a branch is relatively easy and similar to every other CD term. Most banks require the customer be a resident of the United States and most branch-based banks ask that the account be opened in the bank. Funding can be performed by transferring money that is already located at that bank or by check or ACH transfer from another bank. The CD can be opened that day and the rate locked.

With longer term CDs, savers should make sure they put a record of the CD in a safe place and that if they move, they forward their new address to the bank. In cases where the bank cannot find the CD holder, the bank may hand the funds over to a state authority as a lost deposit, and it will require onerous paperwork to reclaim the money.

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

  • 5 year CDs provide the highest rate of the common CD terms.
  • The return is fixed for five years, which is an advantage in a flat or falling rate environment.

Disadvantages of five year CDs

  • The money is locked away for five years and cannot be withdrawn without a substantial 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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