Compare Bank & Credit Union Rates
Best 18-month CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 151–165 results
- OceanAir Federal Credit UnionTerm Share CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Must meet membership and account criteria. Early withdrawal penalties apply.
Offer: Requires Epic Premium Checking. If closed prior to maturity, rate reduces to prevailing rate as of opening date.
4.17% interest rate
Rate checked
More details - VisionBankCertificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Minimum deposit amount of $1,000.00. A penalty may be imposed for early withdrawal. Daily balance method: the amount of the principal in the account each day. No monthly fees.
Offer: Early withdrawal penalty may apply. Daily balance.
4.18% interest rate · Effective Sep 24, 2026
Rate checked
More details - North Star Community Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Dividends are paid quarterly and at maturity. Minimum deposit of $500 required except for Star Saver. Early withdrawal penalties apply.
4.18% interest rate · Effective Sep 30, 2026
Rate checked
More details - Cloverbelt Credit UnionCertificatesCD · 18 months · $1,000 min · 1.35%–4.25% by balance
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Certificates may have penalty imposed for early withdrawal. Rates subject to change without notice. Minimum balance requirements vary by term and tier.
1.34% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 1.35% $5,000 and upYour amount 4.25% Rate checked
More details - Dow Credit UnionSimple CDsCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Starting minimum deposit of $500. Not eligible for the potential year-end Member Saver Reward. Rates effective 10/01/2026. Terms: 3, 6, 12, 13, 18, 24, 36, 48, 60 months.
Offer: Term: 18 Months
4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - Arise FinancialShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Personal accounts only. Minimum deposit is $500. Dividend penalties may apply for early withdrawals. Compounding is monthly. Fees could reduce earnings.
Offer: Monthly compounding. Minimum to earn APY is $500.
4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - Hanscom Federal Credit UnionTerm CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Minimum deposit of $1,000 required to open and obtain APY. Monthly compounding dividends. Early withdrawal penalties may apply to certificates. Fees may reduce earnings and the principal amount may be reduced to cover the penalty.
4.17% interest rate · Effective Oct 5, 2026
Rate checked
More details - Space Coast Credit UnionCertificates of Deposit (CDs)CD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Space Coast Credit Union membership is open to relatives of current members and all who work or live in eligible Florida counties. Minimum deposit required is $500. Monthly Service Fee is None.
4.18% interest rate · Effective Sep 21, 2026
Rate checked
More details - Miami Firefighters Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: A balance of at least one share ($5) is required to establish and maintain membership.
4.16% interest rate · Effective Oct 5, 2026
Rate checked
More details - TruService Community FCUShare Certificate - FixedCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000intro rateRequirements
Offer: 18 month Certificate Promotional rate for a limited time on new money only. Contact us for restrictions.
Promotional rate · 4.18% interest rate · Effective Sep 25, 2026
Rate checked
More details - Skyline Financial Federal Credit Union18-Month Promotional CDCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000intro rateRequirements
Product: Minimum deposit to open and earn APY is $500. Dividends are compounded and credited monthly. For certificate accounts, the dividend rate and APY are fixed for the term of the account. A withdrawal of dividends will reduce earnings. Upon maturity the account will renew to a regular 12-month certificate account at the rate in effect at that time. 7 days grace period after maturity to withdraw funds without penalty. Limited time promotion.
Offer: New members. Dividend rate is 4.169%.
Promotional rate · 4.17% interest rate · Effective Aug 28, 2026
Rate checked
More details - Prime Alliance BankCertificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Fixed rate until maturity/renewal. Interest is compounded and paid monthly. Minimum balance of $500 required to open and obtain APY. Early withdrawal penalty applies.
4.17% interest rate
Rate checked
More details - Pima Federal Credit UnionTerm Share Certificate (CD)CD · 18 months · $250 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Minimum deposit $250 with no maximum. Plus, enjoy a 0.25% APY increase on your new CD with a qualifying CareFREE Checking account (CareFREE Plus Checking with e-statements and at least $1,000 in monthly direct deposits).
Offer: Requires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits
Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$644 over 18 months on $10,000with conditions
Requirements
Product: To be eligible for a Premium Gold CD, you must have at the time of account opening a BN Premium Checking Account.
Offer: To be eligible for a Premium Gold CD, you must have at the time of account opening a BN Premium Checking Account. A penalty will be imposed for early withdrawal during the term of the CD.
Qualified rate · Effective Oct 2, 2026
Rate checked
More details - BankNewportLimited Time Offers CDCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000with conditionsRequirements
Offer: With existing money. A penalty will be imposed for early withdrawal during the term. A BankNewport personal checking account is required for CD specials. Offer can be withdrawn at any time.
Qualified rate · Effective Oct 2, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 18-month CDs pay nationwide
3,155 CDs at 2,801 banks and credit unions · checked Oct 15–22
- Typical
- 3.24%
- Top 10% from
- 4.07%
- Banks, typical
- 2.89%
- Credit unions, typical
- 3.30%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank