$mart CDs (Term Share Certificates)

Earn a Higher Interest Rate Than a Savings Account

Feeling ambitious with your assets? We know a thing or two about increasing your earnings with practically no risk. Our Share Certificates earn higher interest than a regular savings account, and they come with fixed rates for guaranteed returns.

  • Competitive rates

  • Terms for six months to three years

  • Dividends paid monthly

  • Penalties apply for early withdrawal

  • CDs automatically renew at maturity (excludes Cowboy Up CD)

 

Cowboy Up CD

7-Month

  • Minimum opening deposit of $100.00

  • Minimum required balance of $100.00

  • Starts at 2.50% APY*

  • Rate increases by 0.01% APY EVERY TIME McNeese Football scores this season and post season (2025-2026)

  • Ex: If McNeese scores 28 points, your rate will increase by 0.28% APY

  • Increased rate effective the next business day after win

  • Dividends compounded and paid monthly on an average daily balance

  • Receive monthly statements

Give us a call at 337-477-9190 to open yours today!

Traditional CD

6-Month, 1-Year, 2-Year, or 3-Year Certificate

  • Minimum opening deposit of $500.00

  • Minimum required balance of $500.00

  • Fixed rate

  • Dividends compounded and paid monthly on an average daily balance

  • Receive monthly statements

Expandable CD

1-Year, 2-Year, or 3-Year Expandable Certificate

Expandable CDs let you add cash at any time, so your cash can grow as you grow!

  • Minimum opening deposit of $100.00

  • Minimum required balance of $100.00

  • Minimum deposit of $25.00 or more at anytime up to maturity

  • Fixed rate

  • Option of 1, 2 or 3 year terms

  • Dividends compounded and paid monthly on an average daily balance of $100.00 or more

  • Receive monthly statements

*Cowboy Up CD: APY = Annual Percentage Yield. The initial interest rate is 2.50% APY effective 8/01/25 and will not decrease. The APY will go up 0.01% APY each time the McNeese Football team scores a point in the 2025-2026 season. For example, if 28 points are scored then the rate will increase 0.28%. This includes up to 12 regular season games and any post season games. If you open a Cowboy Up term share deposit account after the season begins, the initial APY will be 2.50%. Rate increase, if applicable, will become effective the next business day after each game. There is a possibility the APY may not increase. The term of the Cowboy Up Term Share is 7 months. The minimum opening balance and minimum balance to earn interest is $100. Rate and product offered may change at any time. Fees could reduce earnings. Early withdrawal penalties will apply. Membership eligibility required. McNeese State University student athletes and athletic staff are unable to participate.