$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

11-Month

  • Minimum opening deposit of $100.00

  • Minimum required balance of $100.00

  • Starts at 2% APY*

  • Rate increases by 0.10% APY for EVERY McNeese Men’s Basketball WIN this season and post season (2024-2025)

  • Increased rate effective the next business day after win

  • Dividends compounded and paid monthly on an average daily balance

  • Receive monthly statements

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 2.00% APY effective 11/01/24 and will not decrease. The APY will go up 0.10% APY each time the McNeese State University Men’s Basketball team wins a game in the 2024-2025 season. This includes up to 32 regular season games and 5 post season games. Post season games are defined to include the Southland Conference Basketball Championship and any NCAA sanctioned post season tournament for the 2024-2025 season. If you open a Cowboy Up term share deposit account after the season begins, the initial APY will be 2.00%. 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 11 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 are unable to participate.