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 286–300 results
- Cinfed Credit UnionPeak CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000intro rateRequirements
Product: $500 minimum deposit required to open account; deposit must be at least 50% new money (money not currently on deposit with Cinfed). Standard restrictions and penalties for early withdrawal apply. After 18-month term expires, account will auto-renew for 12 months at the rate in effect at time of renewal. Not available for IRA/HSA accounts. Available for a limited time only.
Offer: $500 minimum deposit required to open account; deposit must be at least 50% new money (money not currently on deposit with Cinfed). Standard restrictions and penalties for early withdrawal apply. After 18-month term expires, account will auto-renew for 12 months at the rate in effect at time of renewal. Not available for IRA/HSA accounts.
Promotional rate · 4.02% interest rate
Rate checked
More details - Pathway BankCD (Certificate of Deposit)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Interest compounded quarterly unless otherwise stated. Substantial Penalty for Early Withdrawal. Fees could reduce the earnings on the account. Rate and APY are fixed for the term of the CD.
Offer: Minimum deposit to open and earn APY is $1,000.00.
4.04% interest rate · Compounded quarterly · Effective Oct 5, 2026
Rate checked
More details - Walled Lake Schools Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,0004.10% interest rate · Effective Oct 15, 2026
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More details - Countryside BankCertificates of DepositCD · 18 months · $10,000 min
Bank · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Substantial penalty for early withdrawal.
Offer: Compounds Quarterly.
4.04% interest rate
Rate checked
More details - HAPO Community Credit UnionCertificate AccountCD · 18 months · $100 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: CDs opened online have 30 days to fund the certificate in order to earn the posted CD rate. Dividends are compounded and credited quarterly and at maturity. Minimum opening balance is $100.
Offer: Early withdrawal penalty is 120 days dividends.
4.04% interest rate
Rate checked
More details - Utah First Credit UnionTraditional Term DepositCD · 18 months · $2,000 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Rate checked
More details - Logan Medical Federal Credit UnionShare CertificatesCD · 18 months
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,0004.03% interest rate · Effective Oct 10, 2026
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More details - Portage Community BankCertificates of Deposit (CDs)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000intro rateRequirements
Product: Early withdrawals subject to penalty (less than 1 year maturity: 91 days interest; 1 year or more maturity: 6 months interest). Annual Percentage Yield is based upon the maximum term of deposit for each maturity range. For CDs under $100,000, minimum term is 30 days. Variable Interest Rates subject to change.
Offer: Term: 18 Month Special. Compounding method: Daily.
Promotional rate · 4.02% interest rate · Effective Oct 5, 2026
Rate checked
More details - USALLIANCE FinancialFixed Rate Certificate AccountsCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000intro rateRequirements
Product: Dividends calculated and compounded daily and credited monthly on the last calendar day of the month. APY assumes dividends remain until maturity; premature withdrawal incurs penalty.
Offer: Promotional rate special. Rollover rate upon automatic renewal is 4.10% APY.
Promotional rate · 4.02% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - Route 31Certificate of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000with conditionsRequirements
Product: Minimum $500 balance to earn dividend. Penalty for early withdrawal. Members can add money to any CD at any time, except restricted on some CD specials.
Offer: 0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit.
Qualified rate · Effective Sep 25, 2026
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More details - Campus Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Federally insured deposits. $500 minimum deposit on all terms. Early withdrawals may be subject to penalties.
4.04% interest rate · Effective Sep 18, 2026
Rate checked
More details - Appalachian Community Federal Credit UnionCertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Minimum Deposit $1,000. Paid monthly. Future rates subject to change daily.
Offer: Paid monthly.
4.03% interest rate · Effective Oct 5, 2026
Rate checked
More details - Endurance Federal Credit UnionCertificatesCD · 18 months · $500 min · 4.00%–4.20% by balance
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Minimum opening balance of $500.00. Dividend options include monthly dividend check, transfer to another credit union account, or redeposit into the share certificate. Penalties may apply for early withdrawal.
Offer: Early withdrawal penalty: 120 days.
3.93% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and up 4.00% $10,000 and upYour amount 4.10% $25,000 and up 4.15% $99,000 and up 4.20% Rate checked
More details - LGE Community Credit UnionCertificates / CDCD · 18 months · $1,000 min · 4.10%–4.21% by balance
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Membership eligibility required. Minimum opening deposit amount starts at $1,000.00. Dividends are compounded monthly on all deposit accounts, unless elected to transfer or withdraw dividends prior to compounding.
Offer: Early withdrawal penalty: 90 Days Dividends.
4.02% interest rate · Compounded monthly · Effective Sep 25, 2026
Rate by balance
Rate by balance for Certificates / CD Balance APY $1,000 and upYour amount 4.10% $100,000 and up 4.21% $250,000 and up 4.21% Rate checked
More details - Electrical Workers 558 Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Assumes dividends are credited monthly. Minimum balance is $500. Substantial penalty for early withdrawal. No deposits allowed after opening until maturity date. Does not renew automatically and will not earn dividends after maturity date unless used to secure a loan. Redeeming before maturity forfeits accrued dividends.
4.03% interest rate
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