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 211–225 results
- CommunityWide Federal Credit UnionCW CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000Requirements
Offer: Dividends paid at end of each month.
4.12% interest rate · Effective Oct 1, 2026
Rate checked
More details - Coastal States BankCertificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000intro rateRequirements
Product: Interest rate guaranteed for entire term. Early withdrawal penalties may apply. Auto-renews at maturity.
Offer: Special promotional rate. Minimum balance to open and obtain APY is $1,000. Penalty for early withdrawal will reduce earnings.
Promotional rate · Effective Sep 24, 2026
Rate checked
More details - Kaua'i Federal Credit UnionJumbo CertificatesCD · 18 months
Credit union · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,0004.14% interest rate · Effective Jun 1, 2026
Rate checked
More details - Westmark Credit UnionTerm 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: Minimum deposit of $500 required for all Term Certificates. Automatically renews at maturity with a 10-day grace period. Dividend rates are tiered for larger deposits. Compounded and paid at maturity for terms under 12 months, compounded quarterly for terms of 12 months or more. Early withdrawal penalty applies (90 days dividends for terms under 12 months, 180 days dividends for terms 12 months or longer).
Offer: 18 Months term. Dividends compounded quarterly. 180-day early withdrawal penalty.
Compounded quarterly · Effective Sep 21, 2026
Rate checked
More details - Bellwether Community Credit UnionShare CertificateCD · 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: Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Loyalty Pays Premium Certificate Rate requires an active consumer checking account and active debit card with at least one debit card transaction in the current month.
Offer: Loyalty Pays Premium Certificate Rate: requires an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month.
Qualified rate · 4.12% interest rate · Effective Sep 1, 2026
Rate checked
More details - First Security BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000Requirements
Product: Early withdrawals are subject to penalty. Funds FDIC-insured up to $250,000.
Offer: Promoted as CD Special
Effective Aug 18, 2026
Rate checked
More details - Citizens BankCertificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000Requirements
Product: Rates are accurate as of August 5th, 2026. APY is based on the minimum opening deposit required and term interest is compounded assuming principal and interest remain on deposit. Interest rate and APY subject to change without notice. Fees may reduce earnings. Penalty on CD for early withdrawal.
Offer: Compounded Semi-Annual. 18 Month CD.
4.16% interest rate · Effective Aug 5, 2026
Rate checked
More details - Educational Community Alliance CUShare CertificateCD · 18 months
Credit union · Add a location to see nearby branches
4.19%APY$635 over 18 months on $10,000Requirements
Product: Membership required ($5.00 par value / 1 share). Dividends compounded and credited per schedule and calculated by daily balance method. Penalty may apply for early withdrawal.
4.13% interest rate · Effective Dec 31, 2024
Rate checked
More details - Bank of the Flint HillsCertificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.18%APY$634 over 18 months on $10,000Requirements
Product: $500 opening deposit. Automatically renews at maturity. 10 day grace period for changes or withdrawals. Early withdrawal penalty applies. Interest compounded and credited quarterly.
Offer: $500 minimum balance required to obtain APY. Early withdrawal penalty equals six months interest. Automatically renews.
4.12% interest rate · Effective Oct 13, 2026
Rate checked
More details - Cape Ann Savings BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.18%APY$634 over 18 months on $10,000Requirements
Product: Terms ranging from 6 months to 60 months. Minimum deposit of $500. Early withdrawals subject to penalty.
Offer: Minimum daily balance to open account and earn APY. Aggregate maximum total deposit balance limit of $5,000,000.00 per primary tax owner for 13 Month and 1 1/2 year CD/IRA CD products.
4.10% interest rate · Balance cap $5,000,000 · Effective Oct 22, 2026
Rate checked
More details - Greenfield Savings BankTraditional Certificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.18%APY$634 over 18 months on $10,000Requirements
Product: Available with a Passbook or Statement Account. Open at any branch. Early withdrawal penalties may be imposed. Minimum balance to obtain APY is based on daily balance.
Offer: 18 Month CD. Minimum balance to obtain APY is based on daily balance.
4.10% interest rate
Rate checked
More details - Encompass Niagara Federal Credit UnionRegular CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.18%APY$634 over 18 months on $10,0004.10% interest rate · Effective Sep 1, 2026
Rate checked
More details - First Choice Financial Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.18%APY$634 over 18 months on $10,000Requirements
Product: $500 Minimum Balance Required; Interest Compounded Daily; Penalty for early withdrawal; Rates are subject to change without notice
Offer: Credit Quarterly
4.10% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - DEVILS SLIDEShare Certificates (CDs)CD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.17%APY$632 over 18 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalty may apply. Certificates automatically renew at maturity.
Offer: Assuming dividends remain on deposit for the full term.
4.10% interest rate · Effective Oct 2, 2026
Rate checked
More details - Lennox Employees Credit UnionShare CertificatesCD · 18 months · $500 min · 3.80%–4.58% by balance
Credit union · Add a location to see nearby branches
4.16%APY$630 over 18 months on $10,000Requirements
Product: Share certificates have a penalty for early withdrawal.
Offer: SPECIAL RATE
3.75% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $9,999 3.80% $10,000 – $99,999Your amount 4.16% $100,000 and up 4.58% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank