First Guaranty Bank CD Rates — October 2026
As of October 22, 2026, First Guaranty Bank's highest tracked CD rate is 2.95% APY on a 60-month CD ($500 minimum). That is 2.1 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 2.55% to 2.95% APY.
Tracking began .
First Guaranty Bank CD rates
CDs from 30 days to 8 years with a $500 minimum to open. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 30 days | Fixed Rate CD | $500 | 2.70% | −1.43% | Verified October 22, 2026 |
| 90 days | Fixed Rate CD | $500 | 2.70% | −1.59% | Verified October 22, 2026 |
| 6 months | Fixed Rate CD | $500 | 2.70% | −1.70% | Top 74% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | Fixed Rate CD | $500 | 2.55% | −2.02% | Top 77% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Fixed Rate CD | $500 | 2.60% | −2.12% | Top 73% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Fixed Rate CD | $500 | 2.75% | −2.12% | Top 70% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Fixed Rate CD | $500 | 2.75% | −2.20% | Top 67% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Fixed Rate CD | $500 | 2.85% | −2.13% | Top 58% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Fixed Rate CD | $500 | 2.95% | −2.06% | Top 62% of tracked 60-month CDs · Verified October 22, 2026 |
| 72 months | Fixed Rate CD | $500 | 2.95% | −2.10% | Verified October 22, 2026 |
| 84 months | Fixed Rate CD | $500 | 2.95% | −2.14% | Verified October 22, 2026 |
| 96 months | Fixed Rate CD | $500 | 2.95% | −2.18% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are First Guaranty Bank's best CD rates by term?
First Guaranty Bank's best rate is 2.95% APY on 60 months, verified October 22, 2026.
- 30 days2.70%
- 90 days2.70%
- 6 mo2.70%
- 12 mo2.55%
- 18 mo2.60%
- 24 mo2.75%
- 36 mo2.75%
- 48 mo2.85%
- 60 mo2.95%
- 72 mo2.95%
- 84 mo2.95%
- 96 mo2.95%
How much interest could a First Guaranty Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$1,564.63 interest · $11,564.63 at maturity on $10,000.00.
2.95% APY · 60 months · Fixed Rate CD · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 30 days | $10.962.70% APY · Fixed Rate CD · Standard | $21.922.70% APY · Fixed Rate CD · Standard | $54.802.70% APY · Fixed Rate CD · Standard | $109.612.70% APY · Fixed Rate CD · Standard |
| 90 days | $32.952.70% APY · Fixed Rate CD · Standard | $65.912.70% APY · Fixed Rate CD · Standard | $164.772.70% APY · Fixed Rate CD · Standard | $329.542.70% APY · Fixed Rate CD · Standard |
| 6 months | $67.242.70% APY · Fixed Rate CD · Standard | $134.472.70% APY · Fixed Rate CD · Standard | $336.182.70% APY · Fixed Rate CD · Standard | $672.352.70% APY · Fixed Rate CD · Standard |
| 12 months | $127.502.55% APY · Fixed Rate CD · Standard | $255.002.55% APY · Fixed Rate CD · Standard | $637.502.55% APY · Fixed Rate CD · Standard | $1,275.002.55% APY · Fixed Rate CD · Standard |
| 18 months | $196.442.60% APY · Fixed Rate CD · Standard | $392.892.60% APY · Fixed Rate CD · Standard | $982.222.60% APY · Fixed Rate CD · Standard | $1,964.452.60% APY · Fixed Rate CD · Standard |
| 24 months | $278.782.75% APY · Fixed Rate CD · Standard | $557.562.75% APY · Fixed Rate CD · Standard | $1,393.912.75% APY · Fixed Rate CD · Standard | $2,787.812.75% APY · Fixed Rate CD · Standard |
| 36 months | $423.952.75% APY · Fixed Rate CD · Standard | $847.902.75% APY · Fixed Rate CD · Standard | $2,119.742.75% APY · Fixed Rate CD · Standard | $4,239.482.75% APY · Fixed Rate CD · Standard |
| 48 months | $594.832.85% APY · Fixed Rate CD · Standard | $1,189.672.85% APY · Fixed Rate CD · Standard | $2,974.172.85% APY · Fixed Rate CD · Standard | $5,948.342.85% APY · Fixed Rate CD · Standard |
| 60 months | $782.322.95% APY · Fixed Rate CD · Standard | $1,564.632.95% APY · Fixed Rate CD · Standard | $3,911.582.95% APY · Fixed Rate CD · Standard | $7,823.152.95% APY · Fixed Rate CD · Standard |
| 72 months | $952.892.95% APY · Fixed Rate CD · Standard | $1,905.792.95% APY · Fixed Rate CD · Standard | $4,764.472.95% APY · Fixed Rate CD · Standard | $9,528.932.95% APY · Fixed Rate CD · Standard |
| 84 months | $1,128.502.95% APY · Fixed Rate CD · Standard | $2,257.012.95% APY · Fixed Rate CD · Standard | $5,642.522.95% APY · Fixed Rate CD · Standard | $11,285.042.95% APY · Fixed Rate CD · Standard |
| 96 months | $1,309.292.95% APY · Fixed Rate CD · Standard | $2,618.592.95% APY · Fixed Rate CD · Standard | $6,546.472.95% APY · Fixed Rate CD · Standard | $13,092.952.95% APY · Fixed Rate CD · Standard |
How First Guaranty Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1825-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 228 of 367 tracked institutions with fresh 1825-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| First Guaranty Bank (this institution)Fixed Rate CD · Standard | 60 months | $500 | Branches in KY, LA, WV | 2.95% | October 22, 2026 |
| Popular DirectCD · Standard | 60 months | $10,000 | Available nationwide | 5.00% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 60 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| BarclaysOnline CD · Standard | 60 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Mini-Jumbo Share Certificate · Standard | 60 months | $20,000 | Membership required · branches in MD | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 60 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.01% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking First Guaranty Bank on October 22, 2026.
About First Guaranty Bank
- Legal name
- First Guaranty Bank
- Regulator ID
- FDIC 14028
- Headquarters
- Hammond, LA
- Available in
- KY, LA, WV
- Total assets
- $3.9 billion
- Also known as
- Website
- www.fgb.net
Source: rates read from https://www.fgb.net/rates.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at First Guaranty Bank?
Among the rates we track, 2.95% APY on a 60-month CD, as of October 22, 2026.
What is the minimum deposit for a First Guaranty Bank CD?
The lowest minimum we found is $500.
How does First Guaranty Bank's best CD rate compare with Treasury yields?
2.95% APY is −2.06% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 2.95% a good CD rate?
It is 2.1 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are First Guaranty Bank CDs insured?
First Guaranty Bank is an FDIC-insured bank (FDIC 14028). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check First Guaranty Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from First Guaranty Bank's website and may change at any time. Confirm terms, minimums and eligibility with First Guaranty Bank before opening an account. This page is not financial advice.