# First American Bank and Trust (Louisiana) CD rates

As of October 22, 2026, First American Bank and Trust (Louisiana)'s highest tracked CD rate is 4.20% APY on a 5-month promotional CD ($10,000 minimum). That is 3.0 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.10% to 4.02% APY.

Canonical page: https://apyledger.com/cd-rates/first-american-bank-and-trust-louisiana
Institution: First American Bank and Trust (FDIC 8149)
Aliases: First American Bank and Trust
Status: live
Last verified: 2026-10-23T03:19:24.000Z (October 22, 2026)
Official source: https://www.fabt.com/cd-rates.php
Coverage: CD specials (5 and 12 months) and CDs from 3 to 18 months; minimums are $1,000 or $10,000 depending on the CD. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Regular Certificate of Deposit | standard | 1 month | $1,000 | 0.10% | Not ZIP-priced | −4.03% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| Regular Certificate of Deposit | standard | 2 months | $1,000 | 0.10% | Not ZIP-priced | −4.10% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| CD | standard | 3 months | $1,000 | 3.44% | Not ZIP-priced | −0.85% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| Regular Certificate of Deposit | standard | 3 months | $1,000 | 0.10% | Not ZIP-priced | −4.20% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| CD Special | promotional | 5 months | $10,000 | 4.20% | Not ZIP-priced | −0.19% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| CD | standard | 6 months | $1,000 | 3.43% | Not ZIP-priced | −0.97% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| Regular Certificate of Deposit | standard | 6 months | $1,000 | 0.20% | Not ZIP-priced | −4.20% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| CD | standard | 9 months | $1,000 | 3.53% | Not ZIP-priced | −0.95% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| Regular Certificate of Deposit | standard | 9 months | $1,000 | 0.65% | Not ZIP-priced | −3.83% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| CD | standard | 12 months | $1,000 | 3.65% | Not ZIP-priced | −0.92% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| CD Special | promotional | 12 months | $1,000 | 3.25% | Not ZIP-priced | −1.32% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| Regular Certificate of Deposit | standard | 12 months | $1,000 | 1.50% | Not ZIP-priced | −3.07% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| Tiered Certificate of Deposit | standard | 15 months | $10,000 | 1.65% | Not ZIP-priced | −3.00% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| Tiered Certificate of Deposit | standard | 15 months | $1,000 | 0.35% | Not ZIP-priced | −4.30% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| CD | standard | 18 months | $1,000 | 4.02% | Not ZIP-priced | −0.70% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| Regular Certificate of Deposit | standard | 18 months | $1,000 | 0.35% | Not ZIP-priced | −4.37% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| Regular Certificate of Deposit | standard | 24 months | $1,000 | 0.50% | Not ZIP-priced | −4.37% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| Regular Certificate of Deposit | standard | 36 months | $1,000 | 0.60% | Not ZIP-priced | −4.35% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| Regular Certificate of Deposit | standard | 48 months | $1,000 | 0.70% | Not ZIP-priced | −4.28% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |
| Regular Certificate of Deposit | standard | 60 months | $1,000 | 0.75% | Not ZIP-priced | −4.26% | 2026-10-23T03:19:24.000Z | [Snapshot 950](https://apyledger.com/snapshots/950) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.