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 331–345 results
- DEXSTA Federal Credit UnionRegular Share CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.07%APY$617 over 18 months on $10,000Requirements
Product: Membership eligibility required. A minimum balance of $1,000 is required to earn the disclosed APY. Dividends are compounded monthly and calculated using the daily balance method. Early withdrawal penalties apply.
Offer: Early withdrawal penalty equals the lesser of dividends since issuance or 180 days' dividends.
4.00% interest rate · Compounded monthly · Effective Sep 23, 2026
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More details - Alliance Community BankCertificates of Deposit (CDs)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.07%APY$617 over 18 months on $10,000Requirements
Product: A penalty will or may be imposed for early withdrawal.
Offer: A penalty will or may be imposed for early withdrawal.
4.00% interest rate · Effective Sep 24, 2026
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More details - Citizens Savings BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.07%APY$617 over 18 months on $10,000Requirements
Product: Eligible on personal accounts only. Early withdrawals subject to penalty (Term of 1 year or less: 3 months' interest; Terms of 1 year to 5 years: 6 months' interest; Term over 5 years: 1 year interest). Renews automatically upon maturity after 6-day grace period. No setup or maintenance fees.
4.00% interest rate · Effective Aug 28, 2026
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More details - First State BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.07%APY$617 over 18 months on $10,000Requirements
Offer: Penalties apply for early withdrawals.
4.00% interest rate · Effective Sep 10, 2026
Rate checked
More details - Create Credit UnionLevel Up Certificate of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$617 over 18 months on $10,000Requirements
Product: Variable rate with one-time rate increase option during term to currently effective rate. Early withdrawal penalty of 90 days interest for 3, 6, and 12-month terms, and 180 days interest for 18, 24, 36, 48, and 60-month terms. Subsequent deposits allowed only within first 7 days of account opening.
Offer: 180-day interest penalty for early withdrawal. One-time bump up rate allowed during term.
4.00% interest rate
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More details - O'Bannon BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.06%APY$615 over 18 months on $10,000Requirements
Product: $1,000 minimum required to open and obtain APY. Rates subject to change without notice at the discretion of the bank at anytime. Penalty for Early Withdrawal.
4.00% interest rate · Effective Oct 21, 2026
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More details - First Federal Savings Bank of MascoutahCertificate of DepositsCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.06%APY$615 over 18 months on $10,000Requirements
Product: An early withdrawal penalty may apply. APY shown is paid on the entire balance in the account.
Offer: 18 Months CD. Compounding frequency: Quarterly. Early withdrawal penalty: 182 days of Interest.
4.00% interest rate · Effective Oct 8, 2026
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More details - Bank of KampsvilleCertificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.06%APY$615 over 18 months on $10,000Requirements
Product: Interest Bearing Account. Early withdrawal penalty applies. Renewal terms apply.
Offer: Early withdrawal penalty: three months’ interest on the amount withdrawn. Auto-renews for identical term.
Effective Oct 9, 2026
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More details - Marquette Savings BankCertificates of DepositCD · 18–23 months · $500 min
Bank · Add a location to see nearby branches
4.06%APYRequirements
Product: Minimum opening deposit of $500.00 except where noted. Daily balance method used to calculate interest. Additional deposits cannot be made during term. Early withdrawal penalties apply.
Offer: Interest compounded and credited quarterly for terms of 12 to 60 months. Must maintain a minimum balance of $500 to obtain disclosed APY.
4.00% interest rate
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More details - Austin Telco Federal Credit UnionShare CertificateCD · 18 months · $1,000 min · 4.06%–4.27% by balance
Credit union · Add a location to see nearby branches
4.06%APY$615 over 18 months on $10,000Requirements
Product: Dividends are compounded and paid quarterly. Funds must remain on deposit for the term of the certificate or penalties apply: terms of 12 months or less - 90 days dividends; terms of over 12 months - 180 days dividends. Minimum balance requirements: $1,000 for regular certificates, $95,000 for Jumbo, and $225,000 for Super Jumbo.
4.00% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $94,999Your amount 4.06% $95,000 – $224,999 4.16% $225,000 and up 4.27% Rate checked
More details - Citizens Bank & Trust Co.CertificatesCD · 18 months · $2,500 min
Bank · Add a location to see nearby branches
4.06%APY$615 over 18 months on $10,000Requirements
Product: Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
4.00% interest rate · Effective Oct 5, 2026
Rate checked
More details - San Juan Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.06%APY$615 over 18 months on $10,0004.00% interest rate · Effective Sep 30, 2026
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More details - State Bank of Southern UtahCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.06%APY$615 over 18 months on $10,000Requirements
Product: Not available to other financial institutions or deposit brokers. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on accounts.
4.00% interest rate · Effective Oct 2, 2026
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More details - Latah Credit UnionCertificates of Deposit (CDs)CD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.06%APY$615 over 18 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Renews automatically upon maturity after 10-day grace period.
Offer: Compounded/paid quarterly
4.00% interest rate · Effective Sep 24, 2026
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More details - The FNB Community BankCertificates of Deposit (CDs)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.06%APY$615 over 18 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. The minimum balance required to open the account and to obtain the disclosed APY is $1,000.00. Fees could reduce earnings on the account. Interest is calculated quarterly. CD terms 12 months and greater are based on compounding interest and automatically renew at maturity.
Offer: Term: 18 months. Penalty may be imposed for early withdrawal. Based on compounding interest and automatically renews at maturity.
4.00% interest rate · Effective Jul 15, 2026
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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