Best Credit Union 5 Year CD Rates in St. Martinville, Louisiana, LA

You are viewing rates from credit unions across St. Martinville

Below are 5 year CD Rates from credit unions that are located in St. Martinville, Louisiana. Five Year Certificates of Deposit (CD) are generally the longest term CD that most credit unions 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. Martinville, LA - July 4, 2025

5 Year CD National Average : 0.92% ^?

Credit Unions	APY	MIN	MILES ^?
Advancial Lafayette Branch Restrictions	5.40% 5.29% 5.19%	$50,000 $25,000 $1,000	-	Learn More Add Review
Rate History: 5.37% → 5.40%
La Capitol Main Office Branch Restrictions	4.70% 4.50%	$100,000 $500	-	Learn More
tickedoff \| Sep 20, 2017 This credit union is a joke. They need to pull a credit report just to open a cd. Read More Reviews (1)
Northrop Grumman Lake Charles Branch Restrictions	3.81% 3.66%	$40,000 $2,500	-	Learn More Add Review
Rate History: 4.26% → 4.06% → 4.11% → 4.01% → 3.81%
Navy Federal Credit Union Belle Chasse Branch Restrictions	3.55% 3.50%	$100,000 $1,000	-	Learn More
Rate History: 0.50% → 3.85% → 3.55% → 4.05% → 3.55%
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
Chevron Br#6 Covington Branch Restrictions	3.50% 3.40%	$100,000 $500	-	Learn More Add Review
Rate History: 3.95% → 3.85% → 3.50%
Pelican State Opelousas Branch Restrictions	2.02%	$500	-	Learn More
Rate History: 3.82% → 3.71% → 3.56% → 2.27% → 2.02%
BabyBoomerPA \| Dec 15, 2022 I have been a member for over 30 years and Pelican has consistently offered deposit rates that are higher than bank and credit union averages. All my kids and grandkids park their savings with Pelican and... Read More Reviews (1)
Bossier South Caddo Branch Restrictions	1.61%	$10,000	-	Learn More Add Review
Louisiana Robin Admin Branch Restrictions	1.61%	$10,000	-	Learn More
Clarenza22 \| Aug 11, 2021 Marie Read More Reviews (1)
Carter Mansfield Branch 02 Restrictions	1.55%	$10,000	-	Learn More Add Review
Jefferson Financial Airline Branch Restrictions	1.51%	$100,000	-	Learn More
Hoa cao \| May 7, 2017 CD rate Read More Reviews (1)
Wymar Main Office Branch Restrictions	1.50%	$75,000	-	Learn More Add Review
Keesler Slidell Branch Restrictions	1.50%	$1,000	-	Learn More Add Review
Barksdale Airline Center Branch Restrictions	1.45%	$10,000	-	Learn More
John joiner \| Jan 8, 2020 Do y’all use the Chex system Read More Reviews (2)
Jefferson Financial Airline Branch Restrictions	1.41%	$10,000	-	Learn More
Hoa cao \| May 7, 2017 CD rate Read More Reviews (1)
Onpath Asi Fcu Branch Restrictions	1.40%	$10,000	-	Learn More
Kenneth Lott \| May 12, 2021 I've been an ASI/Onpath customer for 35 years this company has grown tremendously as they would say it gets better with age that is so true about this credit union, a branch worker at 5508 Citrus Blvd. Har... Read More Reviews (1)
Cse Cse Federal Credit Union Branch Restrictions	1.36%	$1,000	-	Learn More Add Review
The New Orleans Firemen's The New Orleans Fire Branch Restrictions	1.36%	$100,000	-	Learn More Add Review
Efcu Financial E Branch Restrictions	1.35%	$100,000	-	Learn More Add Review
Centric Thomas Road Centric Center Branch Restrictions	1.30%	$10,000	-	Learn More Add Review
Alive Gulf South Branch Restrictions	1.27%	$10,000	-	Learn More Add Review
The New Orleans Firemen's The New Orleans Fire Branch Restrictions	1.26%	$10,000	-	Learn More Add Review
Uno Uno Fcu Main Office Branch	1.26%	$10,000	-	Learn More Add Review
Wymar Main Office Branch Restrictions	1.25%	$1,000	-	Learn More Add Review
Efcu Financial E Branch Restrictions	1.25%	$10,000	-	Learn More Add Review
Greater New Orleans Greater New Orleans Fcu Branch Restrictions	1.20%	$100,000	-	Learn More Add Review
Riverland Main Office Branch Restrictions	1.20%	$10,000	-	Learn More Add Review
Willis Knighton Wkfcu - Shreveport Office Branch Restrictions	1.15%	$10,000	-	Learn More Add Review
First Castle First Castle Branch Restrictions	1.13%	$10,000	-	Learn More Add Review
Baton Rouge Telco Airline Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
Greater New Orleans Greater New Orleans Fcu Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
Campus Perkins Operation Center Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Aneca Main Office Branch Restrictions	1.00%	$1,000	-	Learn More Add Review
Department Of Corrections Dept. Of Corr. Credit Union Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Essential Plaquemine Frc Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Neighbors Denham Springs Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
First Pioneers Main Branch	0.95%	$10,000	-	Learn More Add Review
University Of Louisiana Main - 619 Mckinley St Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Kraftman Kraftman Federal Credit Union Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
Xplore Oss Branch Restrictions	0.80%	$100,000	-	Learn More Add Review
Shreveport Police Shreveport Police Federal Credit Union Branch	0.75%	$10,000	-	Learn More Add Review
Kraftman Kraftman Federal Credit Union Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Hope New Orleans Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Xplore Oss Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Edu Restrictions	0.40%	$500	-	Learn More Add Review
Wesla Main Office Branch Restrictions	0.25%	$10,000	-	Learn More Add Review

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
ADVANCIAL Lafayette Lafayette Branch	306 E Kaliste Saloom Rd	Lafayette	LA
ADVANCIAL Lafayette Lafayette Branch	306 E Kaliste Saloom Rd	Lafayette	LA
ADVANCIAL Lafayette Lafayette Branch	306 E Kaliste Saloom Rd	Lafayette	LA
LA CAPITOL Main Office Main Office Branch	700 Main St	Baton Rouge	LA
LA CAPITOL Main Office Main Office Branch	700 Main St	Baton Rouge	LA
NORTHROP GRUMMAN Lake Charles Lake Charles Branch	4400 Sen J Bennett Johnston Ave	Lake Charles	LA
NORTHROP GRUMMAN Lake Charles Lake Charles Branch	4400 Sen J Bennett Johnston Ave	Lake Charles	LA
NAVY FEDERAL CREDIT UNION Belle Chasse Belle Chasse Branch	9850 Highway 23	Belle Chasse	LA
NAVY FEDERAL CREDIT UNION Belle Chasse Belle Chasse Branch	9850 Highway 23	Belle Chasse	LA
CHEVRON Br#6 Covington Br#6 Covington Branch	100 Northpark Blvd # B1302A	Covington	LA
CHEVRON Br#6 Covington Br#6 Covington Branch	100 Northpark Blvd # B1302A	Covington	LA
PELICAN STATE Opelousas Opelousas Branch	611 E Prudhomme St Ste 1	Opelousas	LA
BOSSIER South Caddo Branch South Caddo Branch	1871 Pine Grove Rd	Keithville	LA
LOUISIANA Robin Admin Robin Admin Branch	805 Robin St	La Place	LA
CARTER Mansfield Branch 02 Mansfield Branch 02	7288 Highway 509	Mansfield	LA
JEFFERSON FINANCIAL Airline Branch Airline Branch	7701 Airline Dr	Metairie	LA
WYMAR Main Office Main Office Branch	37269 Highway 30	Geismar	LA
KEESLER Slidell Slidell Branch	1338 Gause Blvd	Slidell	LA
BARKSDALE Airline Center Airline Center Branch	2321 Airline Dr	Bossier City	LA
JEFFERSON FINANCIAL Airline Branch Airline Branch	7701 Airline Dr	Metairie	LA
ONPATH Asi Fcu Asi Fcu Branch	5508 Citrus Blvd	Harahan	LA
CSE Cse Federal Credit Union Cse Federal Credit Union Branch	4321 Nelson Rd	Lake Charles	LA
THE NEW ORLEANS FIREMEN'S The New Orleans Fire The New Orleans Fire Branch	4401 W. Napoleon Ave.	Metairie	LA
EFCU FINANCIAL E E Branch	10719 Airline Highway	Baton Rouge	LA
CENTRIC Thomas Road Centric Center Thomas Road Centric Center Branch	1091 Thomas Rd	West Monroe	LA
ALIVE Gulf South Gulf South Branch	2739 W Church St	Hammond	LA
THE NEW ORLEANS FIREMEN'S The New Orleans Fire The New Orleans Fire Branch	4401 W. Napoleon Ave.	Metairie	LA
UNO Uno Fcu Main Office Uno Fcu Main Office Branch	2000 LAKESHORE DR	NEW ORLEANS	LA
WYMAR Main Office Main Office Branch	37269 Highway 30	Geismar	LA
EFCU FINANCIAL E E Branch	10719 Airline Highway	Baton Rouge	LA
GREATER NEW ORLEANS Greater New Orleans Fcu Greater New Orleans Fcu Branch	3105 Lime St	Metairie	LA
RIVERLAND Main Office Main Office Branch	639 Loyola Ave Ste 220	New Orleans	LA
WILLIS KNIGHTON Wkfcu - Shreveport Office Wkfcu - Shreveport Office Branch	8400 Mansfield Rd	Shreveport	LA
FIRST CASTLE First Castle First Castle Branch	100 Cherokee Rose Lane	Covington	LA
BATON ROUGE TELCO Airline Airline Branch	13404 Airline Hwy	Baton Rouge	LA
GREATER NEW ORLEANS Greater New Orleans Fcu Greater New Orleans Fcu Branch	3105 Lime St	Metairie	LA
CAMPUS Perkins Operation Center Perkins Operation Center Branch	6230 Perkins Rd	Baton Rouge	LA
ANECA Main Office Main Office Branch	4361 Youree Dr	Shreveport	LA
DEPARTMENT OF CORRECTIONS Dept. Of Corr. Credit Union Dept. Of Corr. Credit Union Branch	6303 Esler Field Rd	Pineville	LA
ESSENTIAL Plaquemine Frc Plaquemine Frc Branch	21925 Highway 1	Plaquemine	LA
NEIGHBORS Denham Springs Denham Springs Branch	175 Rushing Rd W	Denham Springs	LA
FIRST PIONEERS Main Branch Main Branch	2235 S College Rd	Lafayette	LA
UNIVERSITY OF LOUISIANA Main - 619 Mckinley St Main - 619 Mckinley St Branch	619 McKinley St Ste 101	Lafayette	LA
KRAFTMAN Kraftman Federal Credit Union Kraftman Federal Credit Union Branch	805 E Cypress Ave	Bastrop	LA
XPLORE Oss Oss Branch	701 Poydras St Ste P100	New Orleans	LA
SHREVEPORT POLICE Shreveport Police Federal Credit Union Shreveport Police Federal Credit Union Branch	2750 Mackey Ln	SHREVEPORT	LA
KRAFTMAN Kraftman Federal Credit Union Kraftman Federal Credit Union Branch	805 E Cypress Ave	Bastrop	LA
HOPE New Orleans New Orleans Branch	1726 Oretha Castle Haley Blvd	New Orleans	LA
XPLORE Oss Oss Branch	701 Poydras St Ste P100	New Orleans	LA
WESLA Main Office Main Office Branch	2921 Williamson Way	Shreveport	LA

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

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.