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Last Updated: 04/18/2025

Exchange Bank Certificates of Deposit

from Exchange Bank of Louisiana

Last Updated: 04/18/2025

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Highlights

APY (Annual Percentage Yield)

N/A

Minimum Opening Deposit

Starting at $2,500

Certificate Term

N/A

Exchange Bank Certificates of Deposit Review

Exchange Bank Certificates of Deposit are offered by Exchange Bank of Louisiana, a bank founded in 1892 and based in Natchitoches, LA. Exchange Bank Certificates of Deposit are available in 1 state.

Key Takeaways

High minimum deposit. You must deposit a minimum of $2,500, which is high compared to most CD accounts.

Pros & Cons of Exchange Bank Certificates of Deposit

Pros

Cons

CDs are insured up to FDIC limits.

Penalties accessed on early withdrawals.
Only available in one state.
There isn't a no-penalty CD option.
Does not offer an IRA CD.

Exchange Bank Certificates of Deposit FAQ

Are CD from Exchange Bank of Louisiana federally insured?

Yes, your Exchange Bank of Louisiana CDs are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #10528). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What is the grace period for Exchange Bank Certificates of Deposit?

Exchange Bank Certificates of Deposit does not specify what their grace period is. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the grace period. Note that the new CD rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does Exchange Bank of Louisiana charge?

Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the term ends.

Exchange Bank of Louisiana charges an early withdrawal fee.

Exchange Bank of Louisiana does charge any of the fees we track.

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Contact

Headquarters

700 Front St

Natchitoches, LA 71457

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Email Support

Hours of Operation

SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed

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SuperMoney Net Recommendation Score

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-1000+100

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