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 61–75 results
- First National Bank of PanaCD SpecialCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000Requirements
Product: Call or stop in for full details. Special terms available: 6, 12, 18, 24, 30, and 36 months. Min deposit $1000.
Offer: 18 mo-4.35% APY. Min deposit $1000.
Rate checked
More details - Franklin Mint Federal Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000Requirements
Product: Membership eligibility applies. Minimum deposit is $500 for consumers and $250 for members under 18. Penalty may be imposed for early withdrawal.
Offer: Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal.
4.26% interest rate · Effective Oct 1, 2026
Rate checked
More details - Parishioners Federal Credit Union18-Month Share CertificateCD · 18 months · $100 min · 4.35%–4.50% by balance
Credit union · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000intro rateRequirements
Product: Limited-time promotional offer. New money is required. APY assumes dividends remain on deposit until maturity. Early withdrawal penalties may apply. Membership eligibility requirements apply. Federally insured by NCUA.
Offer: Deposits below $100,000. New money required.
Promotional rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for 18-Month Share Certificate Balance APY Any balanceYour amount 4.35% $100,000 and upDeposits of $100,000 or more. 4.50% Rate checked
More details - Atomic Credit UnionCertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000Requirements
Product: Southeast Ohio residents; $1,000 minimum deposit; fixed dividend terms; withdrawal penalties apply.
4.26% interest rate
Rate checked
More details - Communication Federal Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000intro rateRequirements
Product: Rates subject to change at any time. A penalty may be imposed for early withdrawal. $1,000 minimum deposit required to open. Interest is paid monthly on the daily balance from the date of issue. Automatically renews at maturity.
Offer: Fixed rate type. Early withdrawal penalty may apply.
Promotional rate · 4.26% interest rate · Effective Oct 13, 2026
Rate checked
More details - Leader BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000Requirements
Offer: Advertised CD offer; maximum deposit $250,000.
4.27% interest rate · Balance cap $250,000 · Effective Oct 15, 2026
Rate checked
More details - Leader BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,0004.27% interest rate · Balance cap $5,000,000 · Effective Oct 15, 2026
Rate checked
More details - Union Bank & TrustCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000intro rateRequirements
Product: Current rates apply to new CDs and renewals at maturity only. APY is based on quarterly compounding. Early withdrawal penalty may reduce earnings.
Promotional rate · Effective Oct 13, 2026
Rate checked
More details - Jordan Credit UnionGrowth Certificate AccountCD · 18 months · $100 min
Credit union · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000intro rateRequirements
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. Fees may reduce earnings on the account. After the certificate is opened, additional deposits can be made to the certificate at any time. Deposit of at least $100 set up at account opening. Membership eligibility required.
Offer: October Special. Maximum of $250,000 in total deposits per primary account holder. This special offer is available for a limited time and may be discontinued at any time.
Promotional rate · 4.27% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - San Diego Firefighters Federal Credit UnionShare CertificateCD · 18 months · $2,000 min
Credit union · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000Requirements
Product: Membership in SDFFCU is limited to employed or retired firefighters and Fire Department personnel permanently assigned to any Fire Department located within San Diego County, immediate family, and employees/members of Firefighter Related Organizations. Automatic renewal at maturity with a 7-day grace period.
4.28% interest rate
Rate checked
More details - Lincoln National BankCertificates of Deposit (CDs)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000Requirements
Product: Early withdrawal penalty applies. Term lengths range from 3 to 60 months. Automatically renews at best available rate for similar term with 10-day grace period. Interest calculated using daily-balance method.
Offer: Early withdrawal penalty may be imposed. Interest compounded/credited as set up with account (Quarterly/Semi-annually/Annually/At Maturity).
4.28% interest rate · Effective Oct 8, 2026
Rate checked
More details - TEXAR Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000Requirements
Product: Penalty for early withdrawal on term share certificates. Fees may reduce earnings on the account. Membership required.
4.27% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.35%APY$660 over 18 months on $10,000intro rate
Requirements
Product: Membership requirements apply. Fixed rate, fixed term account; stated APY applies to the initial term assuming all dividends remain until maturity. Dividends compound monthly. Early withdrawal penalty applies and fees may reduce earnings. Upon maturity, non-IRA promotional certificate funds transfer to Regular Share Account unless alternative instructions are provided.
Offer: Fixed rate and term for initial 18 months. Dividends compounded monthly.
Promotional rate · Compounded monthly
Rate checked
More details - Affinity PlusBasic CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000Requirements
Product: Single deposit with no maximum amount; online funding limits apply ($5,000 for external transfers, $50,000 for internal transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly and accrue daily.
4.27% interest rate
Rate checked
More details - Peshtigo National BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000Requirements
Product: Early withdrawal penalty. Simple interest calculation based on a 365 day basis. Please contact the bank for long term "relationship pricing".
Offer: Term: 18 Month.
4.35% interest rate · Effective Oct 1, 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
3,155 CDs at 2,801 banks and credit unions · checked Oct 15–22
- Typical
- 3.24%
- Top 10% from
- 4.07%
- Banks, typical
- 2.89%
- 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