Local FCU or traditional bank

It isn't a Louisiana thing. It's a banking system thing. If you're under 250k in cash, not much to worry about. Banks have FDIC insurance, CU's have NCUA which is essentially the same.

Do you have more than 250k in in cash? Ask your bank if they participate in any type of system where they transfer balances over 250k to other member banks. I know Neighbor's FCU, B1 Bank, and Hancock Whitney do. I have 250k+ in each of these... no I don't, I'm just kidding. But they are available. I use them for businesses with over 250k.

Your personal you should be exploring T-Bills with the overage. I don't know if they have the program on personal, but the business NCUA overflow.. I don't think this is the name of it, but I found an email where it was referred to as "excess share insurance" and the program is run by US Bank. Ask your business banker about it.

I hate to pry since you're not really offering up info, but if you want to lay out if you're married, other banking relationships, etc. me or someone else on here can give you some ideas/leads to explore.

$250k per account right ? You could have a MM account and a savings account in a bank and both would be insured up to the $250k

Married couples will have another option for maximizing their FDIC insurance coverage. You and your spouse each can open individual accounts at a single bank, resulting in each of you having up to $250,000 FDIC-insured. You can then also open a joint account and each has $250,000 insured in that account. Between those three accounts, you could have up to $1 million FDIC-insured at one bank.The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.

FDIC Deposit Insurance Coverage Limits by Account Ownership Category

Single Accounts (Owned by One Person) $250,000 per owner
Joint Accounts (Owned by Two or More Persons) $250,000 per co-owner
Certain Retirement Accounts (Includes IRAs) $250,000 per owner
Revocable Trust Accounts $250,000 per owner per unique beneficiary
Corporation, Partnership and Unincorporated Association Accounts $250,000 per corporation, partnership or unincorporated association
Irrevocable Trust Accounts $250,000 for the noncontingent interest of each unique beneficiary
Employee Benefit Plan Accounts $250,000 for the noncontingent interest of each plan participant
Government Accounts $250,000 per official custodian (more coverage available subject to specific conditions)

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This will really ruffle the feathers of the married couples can only have joint accounts crowd

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And the separate account only folks miss out on the $500k coverage available to a couple in a joint account.