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 16–30 results
- BTG Pactual Bank, National AssociationOnline CDCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.55%APY$690 over 18 months on $10,000intro rateRequirements
Product: Applies to US Citizens and Resident Aliens depositing new funds into consumer accounts only. Interest is compounded monthly and assumes funds remain on deposit until maturity.
Promotional rate · 4.46% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate checked
More details - Fremont Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.55%APY$690 over 18 months on $10,000Requirements
Product: Minimum opening deposit is $1,000 ($500 for Dollar Dog Kids and Cha-Ching Teen Club members). Terms range from 6 months to 7 years (84 months). Dividends are calculated using average daily balance method, compounded and paid daily. Membership eligibility required.
Offer: Minimum daily balance to earn dividends is $1,000.00. Dollar Dog Kids and Cha-Ching Teen Club members can open with $500.00 minimum deposit.
4.46% interest rate · Effective Oct 1, 2026
Rate checked
More details - Carolina Trust Credit UnionVariable Rate Share CertificateCD · 18 months · $250 min
Credit union · Add a location to see nearby branches
4.54%APY$689 over 18 months on $10,000Requirements
Product: Dividend rate may vary monthly; permits deposits as often as preferred. Early withdrawal penalty applies; withdrawals reduce earnings.
Offer: Variable rate; deposits permitted during the term. Early withdrawal penalty applies; withdrawals reduce earnings.
Rate checked
More details - Rio Grande Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.54%APY$689 over 18 months on $10,000Requirements
Product: Rio Grande Credit Union membership is required. Assumes principal and interest remain on deposit for the term of the Certificate. Substantial penalties may be imposed for early withdrawal and could reduce earnings.
Offer: Substantial penalties may be imposed for early withdrawal and could reduce earnings.
4.45% interest rate · Effective Oct 22, 2026
Rate checked
More details - Central Soya Federal Credit UnionShare CertificatesCD · 12–24 months · $5,000 min
Credit union · Add a location to see nearby branches
4.50%APYRequirements
Product: $500.00 minimum deposit required. APR/APY subject to change at any time without notice.
Offer: CD Special: You pick the term, 1 or 2 years. Minimum balance of $5,000.00.
4.50% interest rate
Rate checked
More details - Evermore BankYour Choice CDCD · 13–20 months · $10,000 min
Bank · Add a location to see nearby branches
4.50%APYwith conditionsRequirements
Product: Promotional limited-time CD. Interest earned will be transferred to an existing or new Evermore Bank checking, money market or savings account on a monthly basis. Early withdrawal penalty may apply. Upon renewal, CD will automatically renew for a 12-month term subject to prevailing rates.
Offer: Requires a qualifying Evermore Bank Checking, Money Market, or Savings Account to open. Minimum balance to earn the APY is $10,000.
Qualified rate · 4.50% interest rate · Effective Sep 1, 2026
Rate checked
More details - Sallie MaeSallie Mae Certificates of DepositCD · 18 months · $2,500 min
Bank · Add a location to see nearby branches
4.50%APY$683 over 18 months on $10,000Requirements
Product: Personal accounts only. Minimum deposit and balance required is $2,500. Early withdrawal penalty applies: 90 days' simple interest for terms 12 months or less; 180 days' simple interest for terms greater than 12 months. Automatically renews at maturity with a 10 calendar day grace period.
4.40% interest rate · Effective Oct 22, 2026
Rate checked
More details - AERO FinancialShare Certificate (CD)CD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$683 over 18 months on $10,000intro rateRequirements
Product: Start saving with just a $500 minimum opening deposit. Terms from 3 months to 60 months. Dividends compound and credit monthly. Withdrawal of dividends prior to maturity will reduce earnings.
Offer: Dividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings.
Promotional rate · 4.41% interest rate · Effective Oct 15, 2026
Rate checked
More details - Syracuse Fire Department Credit UnionTerm Share CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$683 over 18 months on $10,000Requirements
Product: Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal.
Offer: Penalties may be imposed for early withdrawal.
4.41% interest rate · Effective Oct 9, 2026
Rate checked
More details - Christian Financial Credit UnionCertificates of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$683 over 18 months on $10,000Requirements
Product: Dividends are compounded and credited quarterly for 6 month CDs and monthly for all other CDs. Early withdrawal penalties may apply. Fees may reduce earnings. 7-calendar-day grace period after maturity.
Offer: 18-Month Certificate; Minimum Balance $500.
4.41% interest rate · Effective Oct 16, 2026
Rate checked
More details - Landings Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$683 over 18 months on $10,000Requirements
Product: Dividends calculated and credited monthly using Daily Balance Method. Early withdrawal penalty may apply. Fees could reduce earnings.
Offer: To receive promotional APY, account must be opened with New Money (funds not currently held with Landings Credit Union). Maturing Landings Certificate funds during promotional period may be eligible. Cannot be combined with 0.25% LifeStage benefit. Renews at regular rate for same term. Limited-time offer.
Effective Sep 23, 2026
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More details - Barclays Bank DelawareBarclays Online CDsCD · 18 months · $0 min
Bank · Add a location to see nearby branches
4.50%APY$683 over 18 months on $10,000Requirements
Product: No minimum opening balance or deposit required to open. No monthly maintenance or annual fees. In order to maintain an account, funding must occur within 14 days of account opening. Must maintain a minimum balance that earns at least $0.01 for interest to post. Early withdrawal penalty applies: 90 days simple interest for terms <= 24 months, 180 days simple interest for terms > 24 months.
4.40% interest rate · Effective Oct 7, 2026
Rate checked
More details - Community Resource Credit UnionCertificates of DepositCD · 18 months · $100 min
Credit union · Add a location to see nearby branches
4.50%APY$683 over 18 months on $10,000Requirements
Product: CRCU membership required. Penalty for early withdrawal. Fees may reduce earnings. Jumbo rates are no longer offered. You may add on to your certificate at any time during the term not to exceed $10,000.00 (does not apply to IRA and HSA Certificates). Non-transferable and non-negotiable.
4.40% interest rate · Effective Sep 30, 2026
Rate checked
More details - First Federal of Van WertCertificate of DepositCD · 18 months · $500 min · 4.48%–4.50% by balance
Bank · Add a location to see nearby branches
4.50%APY$683 over 18 months on $10,000Requirements
Product: Early withdrawal penalty may apply. Available terms include 91 Days, 182 Days, 276 Days, 12 Months, 18 Months, 24 Months, 30 Months, 48 Months, and 60 Months. Minimum balance for monthly compounding is $2,500.00; minimum balance for quarterly compounding is $500.00.
Offer: Term: 18 Months - NEW Special! Compound Frequency: Quarterly.
4.41% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 4.48% $2,500 and upYour amountTerm: 18 Months - NEW Special! Compound Frequency: Monthly. 4.50% Rate checked
More details - Elements FinancialShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$683 over 18 months on $10,000Requirements
Product: Minimum deposit of $1,000 to open certificate ($500 for primary members under age 18). Minimum of $500 balance required to earn dividends. Penalty for early withdrawal.
Offer: Opening minimum is $500 for primary members under age 18.
4.35% interest rate · Effective Oct 1, 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