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 736–750 results
- Fort Community Credit UnionCertificateCD · 18 months · $250 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000intro rateRequirements
Product: Membership is required to open a share certificate. Dividends compounded quarterly. $250 minimum opening deposit. Early withdrawal penalties apply (30 days' interest for 3- and 6-month terms, 180 days' interest for 12 months or longer). Auto-renews at end of term.
Offer: Dividends compounded quarterly.
Promotional rate · 3.70% interest rate · Compounded quarterly · Effective Oct 21, 2026
Rate checked
More details - Fort Community Credit UnionCertificateCD · 18 months · $250 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000intro rateRequirements
Product: Membership is required to open a share certificate. Dividends compounded quarterly. $250 minimum opening deposit. Early withdrawal penalties apply (30 days' interest for 3- and 6-month terms, 180 days' interest for 12 months or longer). Auto-renews at end of term.
Offer: Dividends paid quarterly. $250 minimum to open.
Promotional rate · 3.70% interest rate · Compounded quarterly
Rate checked
More details - Texas Bay Credit UnionRegular CertificatesCD · 18–23 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APYRequirements
Product: Automatically renewing. Penalty for early withdrawals.
Offer: Dividends paid monthly.
Effective Oct 6, 2026
Rate checked
More details - CACL Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Minimum deposit required to open an account $500.00 to earn stated APY. Fixed dividend rate and APY for the term. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal of principal. Requires $5 deposit into a Membership Savings Account.
3.69% interest rate · Effective Oct 21, 2026
Rate checked
More details - OHecuTerm Share CertificatesCD · 18–23 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APYwith conditionsRequirements
Product: Minimum deposit to open is $500.00. Early withdrawal penalty may apply. Maturity in whole months only. APY is for minimum term only.
Offer: Gold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month).
Qualified rate · 3.70% interest rate · Effective Oct 5, 2026
Rate checked
More details - Achieva Credit UnionCertificate of Deposit (CD)CD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Federally insured by NCUA up to $250,000. No monthly fees. A minimum opening balance of $500 is required for all CD products (except promotional specials). Early withdrawal penalty may apply.
3.69% interest rate
Rate checked
More details - INOVA Federal Credit UnionCertificatesCD · 18 months · $200 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: $200 minimum deposit to open. Terms range from 30 days to 6 years. Early withdrawal penalty applies. Dividends compounded and paid monthly. Offer subject to membership eligibility.
3.69% interest rate
Rate checked
More details - INOVA Federal Credit UnionStep Up CertificatesCD · 18 months · $200 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Allows changing certificate rate one time during the term if rates go up. $200 minimum deposit to open. Penalty for early withdrawal. Dividends compounded and paid monthly.
3.69% interest rate
Rate checked
More details - Everett BankCertificate of Deposit - SpecialCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000intro rateRequirements
Product: Fixed rate term Certificate of Deposits accounts, rates are guaranteed for the length of the term. APY is based on principal and interest remaining in the account for a period of one year. Penalty may be imposed for early withdrawal. For consumer accounts only.
Offer: APY is based on principal and interest remaining in the account for a period of one year. Penalty may be imposed for early withdrawal. Automatically renews at maturity to a 12-Month Certificate unless the customer chooses another product.
Promotional rate · 3.69% interest rate · Effective Oct 22, 2026
Rate checked
More details - Hurricane Creek Federal Credit UnionShared CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Effective Mar 11, 2026
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More details - TRI-CUTerm CertificatesCD · 18 months · $2,500 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Dividends compounded/paid monthly. Early withdrawal penalties may apply. Federally insured by NCUA to $250,000.
Offer: Compounded/Paid Monthly
3.68% interest rate · Effective Sep 24, 2025
Rate checked
More details - Nutmeg State Financial Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Tiered rates. Automatically renewable at then-current market rates. Dividends are compounded and credited monthly using average daily balance method. Penalties apply for early withdrawal. $1,000 minimum balance to open and earn APY. 10-day grace period upon maturity.
3.69% interest rate · Effective Oct 19, 2026
Rate checked
More details - Partners BankRelationship Bundle Specials CDCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000with conditionsRequirements
Product: Retail CD Specials / Relationship Bundle Specials. All Relationship Bundle rates must meet eligibility requirements, contact any branch for details. REL 8 Month CD & IRA Special will renew as a 6 Month REL CD or IRA. REL 18 Month Bump Up CD allows the customer to increase their rate one time during the term if we increase our published rate; customer must request it. All CDs may be subject to an early withdrawal penalty. Daily balance method. Fees may reduce earnings.
Offer: Relationship Bundle Special. Allows customer to increase rate one time during term if published rate increases; must request it. All Relationship Bundle rates must meet eligibility requirements. Daily balance. Early withdrawal penalty may apply.
Qualified rate · 3.69% interest rate
Rate checked
More details - FirstLight Federal Credit UnionShare CertificateCD · 18 months · $500 min · 3.75%–3.85% by balance
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Membership eligibility applies. Federally insured by NCUA. Rates subject to change without notice. Early withdrawal penalties apply. Fees may reduce earnings.
3.69% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $24,999Your amount 3.75% $25,000 – $99,999 3.80% $100,000 and up 3.85% Rate checked
More details - Broadview Federal Credit UnionFixed Rate CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000with conditionsRequirements
Product: Broadview Membership is required. Dividends accrue daily and are paid the last day of the month. Minimum balance to open and obtain APY is $500 ($100 for 12-month add-on certificate).
Qualified rate · 3.68% interest rate · Effective Oct 16, 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
3,154 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