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 661–675 results
- EPIC Federal Credit UnionTerm Share CertificatesCD · 12–18 months · $1,000 min · 3.80%–3.90% by balance
Credit union · Add a location to see nearby branches
3.80%APYwith conditionsRequirements
Product: Regular Tier Share Certificates have tiered rates based on total balances in all savings accounts (except IRAs)
Qualified rate · 3.73% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $1,000 – $50,000Your amount 3.80% $50,000 – $100,000 3.85% $100,000 and up 3.90% Rate checked
More details - Fidelis Catholic Credit UnionShare CertificatesCD · 12–23 months
Credit union · Add a location to see nearby branches
3.80%APYRequirements
Product: Membership eligibility applies. Fees or withdrawals may reduce earnings. APY and interest rates may change after account opening.
Offer: Compounded monthly.
3.74% interest rate · Compounded monthly · Effective Oct 9, 2026
Rate checked
More details - Maspeth Federal SavingsCertificate of DepositCD · 18 months · $1,500 min
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Competitive yields Flexible terms from six months to five years Interest rates compounded continuously on all but the 6-month CD, which earns simple interest. Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Minimum balance required to achieve stated APY. Daily balance method.
Offer: Term: 18 months. Interest compounded continuously.
3.68% interest rate · Effective Oct 23, 2026
Rate checked
More details - Affiliated Trades CU18 Month Share CertificateCD · 18 months · $1,000 min · 3.80%–4.01% by balance
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Offer: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
3.74% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 18 Month Share Certificate Balance APY $1,000 and upYour amount 3.80% $25,000 and up 3.90% $50,000 and up 4.01% Rate checked
More details - Abbey Credit UnionCertificates of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Early withdrawal penalty of 90 days of interest. Minimum $500 required to earn dividends.
3.74% interest rate · Effective Sep 22, 2026
Rate checked
More details - Affinity Credit UnionCertificatesCD · 18 months · $1,000 min · 1.26%–3.80% by balance
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Dividends are compounded quarterly for terms up to 24 months, yearly for 36 months. Early withdrawal penalty may apply. CD special rolls into a 12-month regular certificate at maturity. Minimum balance listed is required to earn the stated APY.
Offer: $1,000 minimum. Dividends compounded quarterly.
1.25% interest rate · Compounded quarterly · Effective Oct 21, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 1.26% $10,000 and upYour amount$10,000 minimum. 3.80% Rate checked
More details - Northland Area FCUNon-Compounding CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: These certificates do not compound. Penalty may be imposed for early withdrawal.
3.80% interest rate · Effective Oct 22, 2026
Rate checked
More details - First Pioneers FCUShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Membership eligibility required (live, work, worship, or attend school in specified parishes or immediate family of members). Early withdrawal penalties apply.
3.74% interest rate
Rate checked
More details - Fortera Credit UnionFixed Rate CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Must be 18 or older and meet field of membership eligibility (live, work, worship, or attend school in service regions, affiliated partner, or immediate family of member) and have a Share Savings Account. No additional deposits allowed except at maturity or during grace period.
3.75% interest rate · Effective Oct 5, 2026
Rate checked
More details - Desert FinancialSavings CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000intro rateRequirements
Product: Early withdrawal penalties apply. Must maintain an open Membership Savings account with a minimum balance requirement of $25. Dividends credited and compounded monthly on the last day of the month. Automatically renews for the same term at current rate with a 10-day grace period.
Offer: $1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply.
Promotional rate · 3.74% interest rate · Compounded monthly · Effective Oct 22, 2026
Rate checked
More details - Farmers BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Substantial penalty is imposed on early withdrawals. APY assumes interest will remain on deposit until maturity.
3.74% interest rate · Effective Oct 16, 2026
Rate checked
More details - Denali State BankCertificates of Deposit (CDs)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Early withdrawals subject to penalty. Terms available from 14 days to 5 years.
Offer: No setup or maintenance fees. Interest earned can be mailed by check, automatically deposited to checking or savings, or left to accumulate on certificate. Early withdrawals subject to penalty.
Rate checked
More details - 3.80%APY$575 over 18 months on $10,000with conditions
Requirements
Product: All CDs require a $500 minimum deposit. Subject to early withdrawal penalty.
Offer: Rewards APY tier.
Qualified rate · 3.74% interest rate
Rate checked
More details - InTouch Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,0003.74% interest rate · Effective Oct 13, 2026
Rate checked
More details - State BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Annual percentage yields are based on quarterly compounding. A penalty may be imposed for withdrawals before maturity (except on designated no penalty CDs). Interest compounded and credited every 3 months. Cannot make deposits into account before maturity.
Offer: Minimum of $1,000 to open and obtain APY. A penalty may be imposed for withdrawals before maturity.
3.75% interest rate
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
3,154 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