Investar Bank (LA) Offers Very Competitive Short-Term CDs


Availability: Market area covers Louisiana.

1.15% APY

That’s the rate Investar Bank has chosen for its limited-time 6-, 9-, and 12-month "Brighter Rates" Certificates.

All three certificates have been part of Investar Bank’s product line since July 2013, and Tuesday’s rate increases have resulted in the highest APYs ever.

0.90*%-$245kInvestar Bank12 Month Certificate
0.80*%-$245kInvestar Bank9 Month Certificate
0.70*%-$245kInvestar Bank6 Month Certificate
Accounts mentioned in this post. Rates as of October 22, 2016.

The minimum deposit for any of the Brighter Rates Certificate is $1k, with a balance cap of $244,999.99.

Please contact us for deposits equal to or greater than $250,000.

According to CSR, the Early Withdrawal Penalty for the 6- and 9-month Certificates is 90 days interest, and six months interest for the 12-month Certificate.


Headquartered in Baton Rouge, Investar Bank’s market area covers all of Louisiana, with U.S. Citizens and U.S. Resident Aliens, 18-years or older, able to open an account.

Opening a Certificate can be done online, or in person at any of eleven Louisiana branches, located in Baton Rouge (3), Denham Springs, Hammond, Lafayette, Mandeville (2), Metairie, Port Allen, and Prairieville.

Funding a new Certificate online can be done with a credit card or a debit card or a U.S. checking or savings account.

Bank Overview

Investar Bank (FDIC Certificate # 58316) has an overall health grade of "A+" at, with a Texas ratio of 2.71% (excellent) based on December 31, 2015 data. In the past year, Investar Bank has increased its total deposits by $83.19 million, an excellent annual growth rate of 1268%. Please refer to our financial overview of Investar Bank for more details.

Investar Bank was founded in June 2006 with an initial capitalization of $10.1 million from a small group of Baton Rouge investors. From 2011 through 2013, Investar Bank grew through aggressive expansion, including the acquisition of South Louisiana Business Bank (Prairieville) and First Community Bank (Hammond). In December 2012, Investar Bank entered the New Orleans market through the purchase of two closed branch locations of another bank. Investar Bank has grown quickly in ten years to become Louisiana’s 11th largest bank, with assets in excess of $1 billion, and a footprint stretching from Lafayette to New Orleans.

How the CDs Compare

When compared to the 166 similar length-of-term CDs (ranging from 6 to 9 months) tracked by that require a similar minimum deposit and are available to Louisiana residents, Investar Bank’s 6- and 9-Month Certificates APYs currently share the top spot.

The above rates are accurate as of 4/20/2016.

To look for the best CD rates, both nationwide and in your state, please refer to our CD rates table, or our new Rates Map page.