Best 18-month CD rates

Requirements

Product: Min. $500 opening balance. One-time bump per term to prevailing CVCU rate; not retroactive. Auto-renews to a Regular Certificate of same term without bump. Min. $10 in primary savings required. Other restrictions may apply. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.

Requirements

Product: Rates are fixed. Dividends may be withdrawn without penalty; early withdrawal of principal may incur penalties.

Requirements

Product: At account holder's request, interest rate and APY may be increased prior to maturity without penalty if rates increase (one time during 18-month term or two times during 42-month term). Early withdrawal penalty may apply.

Offer: Interest rate and APY may be increased one time during the 18-month term prior to maturity without penalty to current interest rate/APY for new CDs of the same type.

Requirements

Product: Subject to membership eligibility. Early withdrawal penalty may apply. Maximum deposit $250,000 per member. Fees may reduce earnings. Rates are subject to change without notice.

Offer: Minimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member.

Requirements

Product: At maturity, certificate funds will renew at the current 12-month rate in effect. Normal early withdrawal penalties apply. Fees could reduce earnings.

Offer: Regular certificate. Compounded daily, paid quarterly.

Requirements

Product: Assumes dividends remain in certificate until maturity. Withdrawals and fees could reduce earnings. Penalties may be imposed for early withdrawal; penalty-free withdrawals for tuition and home purchases only. Rate-increase feature applies if rate rises within 5 calendar days of opening (only once). At renewal, certificate earns the rate on the day of maturity.

Requirements

Product: Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.

Requirements

Product: Maximum deposit amount of $250,000 when opened online. Maximum deposit amount of $500,000 when opened in branch. Available for amounts up to $500,000. Automatically renews into same term CD and rate offered at time of maturity. Penalty for early withdrawals.

Requirements

Product: No setup fees. Minimum initial deposit is $1,000.

Offer: Dividends compound monthly. Early withdrawal penalty applies (12 to 23 months: 90 days of dividends).

Requirements

Product: At maturity, account automatically renews for the same term at the current rate. During the 10-day grace period, may change term, balance, or make withdrawals without penalty.

Requirements

Product: Terms range from 3 months to 6 years. Early withdrawal penalty applies. Special rate offers limited to $1 million per depositor. Not available for Brokers/Agents/Public Funds/Financial Institutions.

Offer: Special rate offer limited to $1 million per depositor. Not available for Brokers/Agents/Public Funds/Financial Institutions. Penalty for early withdrawal.

Requirements

Product: Must live or work in Minnesota, or have an open and active account with Think Bank. Early withdrawal penalties apply: 90 days interest on accounts that mature in less than 2 years; 181 days interest on accounts that mature in 2 or more years. No service fees or sales charges.

Offer: Interest paid quarterly.

Requirements

Product: Fixed interest rate for the CD term. Minimum deposit is $500.00. No monthly service fees or charges. Auto-renewal options are available. Early withdrawal penalties may apply.