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 346–360 results
- Alpine Credit UnionValue CertificateCD · 12–23 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APYRequirements
Product: Pays the highest dividend rate. Maturity date options 3-60 months. Auto renewal. Standard maturity terms are 3 months, 6 months, 1 year, 2 years, 3 years, 4 years, and 5 years. If non-standard term is selected, renews at next shortest standard term. 10-day grace period after renewal.
3.99% interest rate
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More details - Knoxville TVA Employees Credit UnionCertificate AccountsCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Paper statement fee $2.00/month unless enrolled in eStatements. Early withdrawal penalty: 90 days dividends for terms 17 months or less; 180 days for 18 months or more. Add 0.25% APY to dividend rate for $10,000+ new money OR direct deposit. Not applicable to 12-month term.
3.98% interest rate · $2 monthly fee · Effective Oct 22, 2026
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More details - City National BankCertificate of DepositCD · 18–23 months · $500 min
Bank · Add a location to see nearby branches
4.05%APYRequirements
Product: An additional 0.10% may be added to stated Certificate of Deposit (CD) interest rate for primary or joint owners of a City Preferred checking account at the time the CD is issued or automatically renews (does not apply to IRAs). Interest compounding monthly available for terms of 18 months or longer; non-compounding options available. Penalty for early withdrawal.
Offer: FIXED RATE: Non-Compounding. Term 18 - 23 months.
4.05% interest rate
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More details - Tarrant County's Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: $1,000 minimum to open and obtain disclosed annual percentage yield. Interest compounds monthly and is paid monthly. Early or partial withdrawal of certificate may result in a penalty.
3.98% interest rate · Balance cap $49,999.99 · Effective Oct 19, 2026
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More details - First Community Credit UnionRegular Certificate of DepositCD · 18 months · $500 min · 4.05%–4.10% by balance
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Minimum opening deposit $500. Membership eligibility applies.
Offer: For balances < $100K.
Rate by balance
Rate by balance for Regular Certificate of Deposit Balance APY Up to $100,000Your amount 4.05% $100,000 and upFor balances > $100K. 4.10% Rate checked
More details - 4.05%APY$614 over 18 months on $10,000
Effective Oct 16, 2026
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More details - Commstar Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Fixed interest rate for the term of the certificate. No risk method of earning interest.
Effective Oct 5, 2026
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More details - First Security State BankCD SpecialsCD · 18 months · $5,000 min
Bank · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Early withdrawal penalty may apply. APY assumes interest remains on deposit until maturity and withdrawals reduce earnings.
3.99% interest rate · Effective Sep 16, 2026
Rate checked
More details - Seattle BankCertificates of Deposit (CD)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Available nationwide. Fixed, predictable returns. Terms range from 3 months to 5 years (60 months). Interest compounded daily, paid quarterly. Penalty assessed for early withdrawal (90 days interest for terms <= 12 months, 180 days interest for terms > 12 months). No setup or service fees.
Offer: At maturity, the account will auto-renew to a regular twelve (12) month CD and all subsequent renewals will also be twelve (12) months. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings.
Compounded daily
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More details - Jordan Credit UnionCertificate AccountCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Early withdrawals from Certificate Accounts are subject to fees and penalties that may reduce the earnings or the principal of the Certificate. Dividends are paid monthly. Membership eligibility required.
3.98% interest rate · Effective Oct 1, 2026
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More details - Greater Nevada Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Fixed rate for the term. Dividends credited and compounded monthly unless otherwise paid. Non-compounding Certificates available at reduced rates and APYs. Penalty for early withdrawal.
3.98% interest rate · Compounded monthly · Effective Oct 1, 2026
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More details - NCPA Federal Credit UnionShare Term Certificate (STC)CD · 18 months · $250 min
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Fixed dividend rate for the term of the certificate. Dividends accrue daily, but are not compounded. Funds may be used as collateral for NCPAFCU loans. Early withdrawal penalties may reduce earnings.
4.05% interest rate · Effective Oct 8, 2026
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More details - Cherokee State BankCDs (Certificates of Deposit)CD · 18 months · $10,000 min
Bank · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: No maintenance fees. FDIC insured fixed rates. Penalties apply for early withdrawal. Minimum balances vary based on term. Renews automatically at interest rate in effect at time of maturity, with 10 days to redeem before locked in. Promotional CDs excluded from standard renewal terms.
Offer: 18 month special. After maturity, rolls into the 18-month term earning rate in effect at that time. Not valid with any other promotional offers.
3.99% interest rate · Effective Aug 3, 2026
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More details - Bridge Credit UnionStandard CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Offer: To receive ConnectMORE APY, member must be in the ConnectMORE Royal Rewards program.
Rate checked
More details - Pathfinder BankCertificates of DepositCD · 18 months · $1,000 min · 4.05%–4.15% by balance
Bank · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000with conditionsRequirements
Product: Penalty for early withdrawal. Terms from 30 days to 7 years. Minimum deposit for CDs may vary based on CD product.
Offer: 18 Month CD Special with Active Account. Customer must have a checking or savings account that they actively use (is not dormant) to qualify for this product. Early withdrawal is subject to penalty.
Qualified rate · 3.98% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $99,999Your amount 4.05% $100,000 and up 4.15% 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