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 361–375 results
- Co-op 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: Interest is paid monthly. Penalty for early withdrawal. Withdrawal of interest will reduce earnings.
3.98% interest rate · Effective Sep 29, 2026
Rate checked
More details - Citizens State Bank of LoyalCertificate Of DepositsCD · 18 months · $1,000 min · 3.05%–4.15% by balance
Bank · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: APY calculated using monthly compounding. Penalty for early withdrawal.
Offer: Monthly compounding. Penalty for early withdrawal.
3.01% interest rate
Rate by balance
Rate by balance for Certificate Of Deposits Balance APY $1,000 – $10,000 3.05% $10,000 – $50,000Your amount 4.05% $50,000 – $100,000 4.15% $100,000 and up 4.15% Rate checked
More details - ANECA Federal Credit UnionShare CertificatesCD · 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: Rates fixed upon opening. Early withdrawal penalties apply. $1,000 minimum deposit.
3.98% interest rate · Effective Sep 23, 2026
Rate checked
More details - Alabama ONECertificates of Deposit AccountsCD · 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 deposit required. Terms from 6 months to 5 years available. Dividends are compounded and paid quarterly and at maturity. $5 membership fee required. Early withdrawal penalties may apply. Jumbo rate qualifies for Personal CD deposits of $250,000 or more or approved exception.
Offer: Dividends compounded quarterly.
3.99% interest rate · Compounded quarterly · Effective Sep 25, 2026
Rate checked
More details - Granite Credit UnionTraditional Savings 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: No monthly fee. No investment fee. Penalties imposed for early withdrawals.
Offer: Dividends compounded and credited monthly based on the daily balance formula.
3.98% interest rate
Rate checked
More details - 4.05%APY$614 over 18 months on $10,000
Requirements
Product: Minimum opening balance requirements of $500, $5,000 or $50,000, depending on term of deposit. No monthly service charges. Withdrawal of funds prior to maturity may be subject to penalty.
Offer: Penalty will or may be imposed for early withdrawal.
3.99% interest rate · Effective Aug 19, 2026
Rate checked
More details - Haven Savings Bank88th Anniversary Special CDCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000intro rateRequirements
Product: Available only to residents of the NY Metro area (New York, New Jersey, Connecticut, and Pennsylvania). New money only; initial deposit cannot be from an existing Haven Savings Bank account. Penalty for early withdrawal. Maximum deposit $250,000.
Offer: New money only. Compounding method: Continuous. Limited time offer. Penalty for early withdrawal.
Promotional rate · 3.97% interest rate · Balance cap $250,000 · Effective Sep 9, 2026
Rate checked
More details - PBT BancorpCertificates of DepositCD · 18 months · $500 min · 4.05%–4.25% by balance
Bank · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Interest is compounded and credited at maturity unless paid by check. Daily balance method applies. Early withdrawal penalty applies depending on term. Automatically renewable with 10-day grace period. Jumbo rate requires a minimum balance of $100,000.
Offer: Standard rate for balances under $100,000.
3.99% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $100,000Your amount 4.05% $100,000 and up 4.25% Rate checked
More details - Bank of CommerceCertificate 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: Fixed rate of interest. Early withdrawal penalty may be imposed; fees may reduce earnings.
Offer: Interest paid quarterly.
3.99% interest rate · Effective Aug 20, 2026
Rate checked
More details - Texell Credit UnionTerm Share CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000intro rateRequirements
Product: No setup or maintenance fees. Accounts are subject to penalty for early withdrawal, and terms renew automatically. Insured up to $500,000.
Offer: Must maintain the disclosed minimum daily balance to earn dividends and obtain the disclosed APY. Penalty for early withdrawal.
Promotional rate · Effective Jun 17, 2026
Rate checked
More details - 4.04%APY$612 over 18 months on $10,000
Requirements
Product: Penalty will or may be imposed for early withdrawal. Semi annual interest.
Offer: Semi annual interest. Penalty will or may be imposed for early withdrawal.
4.00% interest rate · Effective Oct 7, 2026
Rate checked
More details - State Bank of BottineauRegular CDsCD · 18 months · $100 min
Bank · Add a location to see nearby branches
4.04%APY$612 over 18 months on $10,000Requirements
Product: Fixed term interest rates. Penalty may be imposed for early withdrawal. Terms available from 6 to 60 months (and 3 months on rate chart).
Offer: A penalty may be imposed for early withdrawal.
4.00% interest rate · Effective Oct 13, 2026
Rate checked
More details - First State BankCertificates of Deposit (CDs)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.04%APY$612 over 18 months on $10,000Requirements
Product: Fees may reduce earnings. Substantial penalty will be imposed for premature withdrawal, calculated only on the amount withdrawn if less than the full deposit. Early Withdrawal Penalty: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 year terms have a penalty of 12 Months Interest. All Individual Retirement Accounts: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 Year terms have a penalty of 12 Months Interest. Automatically renews upon maturity after a 10 day grace period. No setup or maintenance fees.
Offer: Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate. Substantial penalty for premature withdrawal.
4.00% interest rate · Effective Oct 7, 2026
Rate checked
More details - Citizens National Bank of AlbionCertificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.04%APY$612 over 18 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Minimum deposit required to open all accounts is $1,000.00 unless otherwise stated.
Offer: 18 Months Certificates. A penalty may be imposed for early withdrawal.
4.00% interest rate · Effective Sep 22, 2026
Rate checked
More details - Iowa State BankCertificate of Deposit (CD)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.04%APY$612 over 18 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Renews automatically upon maturity after a 10 day grace period for terms of 182 days or longer.
4.00% interest rate · Effective Sep 28, 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
3,156 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