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 466–480 results
- Crossroads BankCertificates of Deposit SpecialsCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000intro rate - Santa Rosa County FCUSavings CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Membership required. Dividends are paid monthly and can be reinvested into the certificate or transferred to another share account with the credit union. Early withdrawal penalties may apply.
3.93% interest rate · Effective Oct 1, 2026
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More details - Commerce Bank & TrustCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Terms range from 90 days to 5 years. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Offer: 18 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
3.92% interest rate · Effective Oct 5, 2026
Rate checked
More details - Metro Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Requires Metro Credit Union membership ($1.00 par value share). Early withdrawal penalties apply (<=29 months: 180 days' dividends; 30-59 months: 365 days' dividends; >=60 months: 730 days' dividends). Compounded and credited monthly. Additional deposits not allowed until maturity. Certificates in excess of $1,000,000 may be refused. Federally insured by NCUA up to $250,000.
Offer: 18 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends.
3.93% interest rate · Effective Oct 1, 2026
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More details - Puget Sound Cooperative Credit UnionCertificate SpecialCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Special certificate requiring a $1,000 minimum deposit. Early withdrawal penalties apply. Interest compounded and paid monthly.
3.93% interest rate · Effective Oct 1, 2026
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More details - Carolina Foothills Federal Credit UnionTerm Share CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Certificates will automatically renew for another term at maturity. You have 10 business days after the date the certificate matures to move make changes or withdraw the funds. A penalty may be imposed if you withdraw the funds before the maturity date.
3.94% interest rate
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More details - Ives BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Minimum of $500 is required to open a Certificate of Deposit and earn the advertised Annual Percentage yield. The Interest Rate and APY are fixed for the term of the account. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Substantial penalty for early withdrawal. Transaction limitations apply.
Offer: Fixed until maturity. Substantial penalty for early withdrawal.
3.87% interest rate · Effective Oct 3, 2026
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More details - EUCCUShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Effective Oct 1, 2026
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More details - APL Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Dividends are calculated daily, compounded and paid monthly and at maturity. Early withdrawal penalties apply and may reduce earnings.
Offer: Minimum balance of $1,000 to open.
3.93% interest rate · Effective Oct 4, 2026
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More details - CU Hawaii Federal Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Fixed rates for predictable returns. Early withdrawals subject to penalty. No setup or maintenance fees. Maximum deposit $1,000,000 in aggregate per Taxpayer Identification Number.
4.00% interest rate · Effective Oct 3, 2026
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More details - Kaua'i Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,0003.94% interest rate · Effective Jun 1, 2026
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More details - Pima Federal Credit UnionTerm Share Certificate (CD)CD · 18 months · $250 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Minimum deposit $250 with no maximum. Plus, enjoy a 0.25% APY increase on your new CD with a qualifying CareFREE Checking account (CareFREE Plus Checking with e-statements and at least $1,000 in monthly direct deposits).
Effective Oct 1, 2026
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More details - Greenwood Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Only $1,000 minimum balance to open. Interest is compounded daily and credited monthly. Rates are locked for the term chosen.
3.92% interest rate · Compounded daily · Effective Sep 30, 2026
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More details - Ohio Teamsters Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Certificate rates remain fixed for the term of the certificate. Dividends are compounded monthly and paid quarterly. A penalty may be imposed for withdrawals before maturity.
Compounded monthly · Effective Sep 25, 2026
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More details - Firefighters Credit UnionCertificate AccountsCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,0003.93% interest rate · Effective Sep 21, 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
3,154 CDs at 2,793 banks and credit unions · checked Oct 22–24
- Typical
- 3.25%
- Top 10% from
- 4.10%
- 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