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 271–285 results
- Oxford Federal Credit UnionShare CertificatesCD · 12–23 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APYRequirements
Product: Membership eligibility required. Early withdrawal penalties may apply. Jumbo ($95,000 and greater) Share Certificates rates are available by phone.
Rate checked
More details - Citizens Bank of KansasCertificates of DepositCD · 18 months · $5,000 min
Bank · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: All CDs have a penalty for early withdrawal. Fees incurred may reduce earnings.
Offer: 18 Month term. Penalty assessed for early withdrawal.
4.04% interest rate · Effective Sep 16, 2026
Rate checked
More details - Tropical Financial Credit UnionRegular Certificate of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Minimum average daily balance to earn APY is $500. Early withdrawal penalties apply. Rates effective as of October 19, 2026.
Offer: Minimum average daily balance to earn APY is $500.
4.04% interest rate · Effective Oct 19, 2026
Rate checked
More details - Align Credit UnionCertificates of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Credit union membership required ($5 deposit relationship). Early withdrawal penalty may be imposed. Rates guaranteed for the length of the term. Fees may reduce earnings. 2 Year CD and 5 Year CD available to open online.
Offer: Minimum daily balance of $500 required to obtain disclosed APY.
4.02% interest rate · Effective Oct 13, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - Canyon View Credit UnionAdd-On CertificateCD · 18 months · $10 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: $10 minimum to open; aggregate limit $250,000; consumer accounts only. Automatically renews for same term unless otherwise requested at maturity. Dividends are paid monthly. Early withdrawal penalties may apply. Min. $10 in primary savings required. Membership required. Other restrictions may apply.
4.03% interest rate · Balance cap $250,000 · Effective Oct 9, 2026
Rate checked
More details - Canyon View Credit UnionRegular Share CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: $500 minimum balances to open. No maintenance fee. Early withdrawal penalties may apply. A minimum $10 primary savings balance is required. Other restrictions may apply. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.
4.03% interest rate · Effective Oct 9, 2026
Rate checked
More details - America First Credit UnionLadder Certificate AccountsCD · 18–23 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APYRequirements
Product: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.
Offer: Early-withdrawal penalties may apply. Dividends credited monthly.
4.03% interest rate · Effective Oct 21, 2026
Rate checked
More details - Ironworkers USA Credit UnionLong-Term CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: For members wanting to invest their money for longer than one year, generally receiving a higher rate of return. You can start with as little as $500 and set your own term up to 60 months.
4.04% interest rate · Effective Oct 13, 2026
Rate checked
More details - UniWyo Credit UnionShare CertificateCD · 18 months · $100 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Minimum deposit and minimum balance of $100. Early withdrawal penalty is imposed. Additional deposits cannot be made after the certificate is open. Automatically renews at maturity. Military affiliated members and primary account holders of eligible Youth Accounts are eligible for a 0.50% APY bump on new Share Certificates.
4.04% interest rate · Effective Oct 15, 2026
Rate checked
More details - Cyprus Credit UnionDream CertificateCD · 18 months · $20 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Open with $20. Automatic deposits of at least $10/month (or every paycheck) transferred from checking account required. Maximum deposit limit of $100,000 per individual member across all Dream Certificate accounts. Features a one-time rate bump upon request and one penalty-free early withdrawal of up to 25% of balance.
Offer: Earns traditional certificate APY.
4.03% interest rate · Balance cap $100,000 · Effective Oct 15, 2026
Rate checked
More details - Cyprus Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Share Certificates require an initial deposit of at least $500. Early withdrawal penalties may apply. Promotional rates are not eligible for bump rate increases.
4.03% interest rate · Effective Oct 15, 2026
Rate checked
More details - Neighborhood Credit UnionStandard CertificatesCD · 18 months · $2,500 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Additional deposits are not allowed during the certificate term. Interest is compounded daily. Early withdrawal penalty applies.
Offer: 18 months term. Interest compounded daily. Additional deposits not allowed.
4.02% interest rate · Compounded daily · Effective Sep 23, 2026
Rate checked
More details - AmericanBankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Minimum deposit $500. Interest is compounded daily and earned on the daily balance. A penalty may be imposed for early withdrawal.
Offer: 18 Month term.
4.02% interest rate · Compounded daily · Effective Oct 16, 2026
Rate checked
More details - American Heritage Credit UnionCertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APY$621 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: Listed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal.
Promotional rate · 4.03% interest rate · Effective Oct 5, 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