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 196–210 results
- American Heritage Credit UnionCertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000intro rateRequirements
Product: Open with as little as $500. Listed APY paid on $1,000 minimum balance ($100,000 minimum for Jumbo). $500 minimum balance Share Certificates available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal.
Offer: 18 Month Legacy Club. A penalty will or may be imposed for early withdrawal.
Promotional rate · 4.12% interest rate · Effective Oct 5, 2026
Rate checked
More details - Turbotville National BankCertificate of DepositsCD · 18 months · $500 min · 4.00%–4.20% by balance
Bank · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000Requirements
Offer: APY is based on quarterly compounding of interest. Early withdrawal penalties may apply.
3.94% interest rate
Rate by balance
Rate by balance for Certificate of Deposits Balance APY $500 – $5,000 4.00% $5,000 and upYour amount 4.20% Rate checked
More details - Blackhawk Community Credit UnionShare CertificateCD · 18 months · $1,000 min · 3.70%–4.20% by balance
Credit union · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,0003.65% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and up 3.70% $10,000 and upYour amountJumbo Certificate 4.20% Rate checked
More details - St. Mary's Credit UnionRelationship CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000with conditionsRequirements
Product: Must maintain all requirements of the Relationship Checking account to obtain preferred Relationship Certificate rates. St. Mary's Credit Union membership eligibility required. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
Offer: Requires maintaining all requirements of Relationship Checking account. Includes 0.25% premium to APY.
Qualified rate · 4.06% interest rate
Rate checked
More details - Town & Country BankCertificates of DepositCD · 18 months · $2,500 min
Bank · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Minimum balance required to obtain the stated Annual Percentage Yield.
Offer: 18 Month CD Special $2,500 minimum
4.14% interest rate · Effective Oct 8, 2026
Rate checked
More details - Omaha Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000Requirements
Product: With as little as $500, account holders can invest in an Omaha FCU Share Certificate. Share Certificates have a 90-day loss of dividends, whether they are earned or not, for early-withdrawals. Rates are subject to change.
4.12% interest rate
Rate checked
More details - The Commercial BankCertificates of Deposit (CDs)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000Requirements
Product: May have an early withdrawal penalty. Can be set to automatically renew.
Offer: Early withdrawal penalty: 3 Months.
Effective Oct 15, 2026
Rate checked
More details - 4.20%APY$637 over 18 months on $10,000
Requirements
Product: Must be a United States citizen or Permanent Resident with a valid Social Security Number. Accounts are opened and managed online. Trust accounts are not offered.
Balance cap $250,000 · Effective Oct 12, 2026
Rate checked
More details - 4.20%APY$637 over 18 months on $10,000
Requirements
Product: Personal and business accounts only. No municipalities or institutional funds. Early withdrawal penalties may apply. Fees could reduce earnings on the account.
Offer: Minimum $1,000 deposit required to open the account and obtain the advertised APY. Personal and business accounts only. No municipalities or institutional funds. Early withdrawal penalties may apply. Fees could reduce earnings on the account.
Effective Oct 12, 2026
Rate checked
More details - ICCUCertificate of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000Requirements
Product: $500 minimum opening deposit. 1-time additional deposit in first 60 days. Penalty for early withdrawal. No institutional deposits. Compounding and crediting: terms less than 12 months compounded/credited at maturity; terms 12 months or greater compounded/credited quarterly.
4.14% interest rate
Rate checked
More details - CorTrust BankCertificates of Deposit (CDs)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000Requirements
Product: 91 day and 182 day CDs are compounded and paid at maturity. All other CDs are compounded and paid quarterly. Early withdrawal penalty: CDs less than or equal to one year, 30 day interest penalty; CDs greater than one year, 180 days interest penalty. Rates are variable and subject to change. Fees could reduce earnings on account.
Offer: Compounded and paid quarterly. Early withdrawal penalty: 180 days interest penalty. Rates variable and subject to change.
4.14% interest rate
Rate checked
More details - Cornerstone Capital BankConsumer 18 Month CDCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
Offer: A penalty may be imposed for early withdrawal. Daily balance is the amount of the principal in the account each day.
4.12% interest rate · Effective Oct 6, 2026
Rate checked
More details - Blaze Credit UnionRegular CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000Requirements
Product: Minimum opening deposit of $500. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly & at maturity.
4.14% interest rate · Effective Sep 28, 2026
Rate checked
More details - North Shore Bank of CommerceCD SpecialCD · 18 months · $2,500 min
Bank · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000Requirements
Product: Time deposit account interest compounds quarterly. APY assumes interest is deposited into the Certificate of Deposit quarterly and not withdrawn. Early withdrawal penalty applies. Fees may reduce earnings.
4.14% interest rate · Effective Oct 2, 2026
Rate checked
More details - CFCCUShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000intro rateRequirements
Product: Compounded quarterly. Dividend rates fixed when opened. Penalty for early withdrawal. $1,000 minimum deposit.
Offer: Limited Time Special
Promotional rate · 4.14% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
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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
3,156 CDs at 2,800 banks and credit unions · checked Oct 16–23
- Typical
- 3.24%
- Top 10% from
- 4.08%
- Banks, typical
- 2.90%
- 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