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 751–765 results
- District #6 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 $10,0003.70% interest rate
Rate checked
More details - Ambler Savings BankCertificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Minimum daily balance is the amount of principal in the account each day. For certificates with the Bump Up option, the interest rate and APY may be changed once during the term of the certificate.
Offer: Bump-Up certificate: interest rate and APY may be changed once during the term.
3.69% interest rate · Effective Oct 16, 2026
Rate checked
More details - Sun Community 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: Fixed rate. Interest is compounded and credited monthly.
Offer: Early withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more.
3.69% interest rate · Effective Oct 7, 2026
Rate checked
More details - Firelands 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: Fixed rates; dividends compounded and paid quarterly; early withdrawal penalties apply.
3.68% interest rate · Effective May 1, 2026
Rate checked
More details - Firefighters Community 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: Membership required ($5 minimum balance in regular savings account). $500 minimum balance required to open and maintain. Certificate rates remain fixed for term of certificate. Penalty imposed for early withdrawal. Rates subject to change at any time. Certificate funds insured by American Share Insurance (ASI) up to $250,000 per account.
Offer: Fixed rate. Penalty for early withdrawal. $500 minimum balance required.
Effective Oct 16, 2026
Rate checked
More details - Westside State BankCertificates of Deposit (CDs)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Penalty for early withdrawal. No setup or maintenance fees.
Offer: Penalty for early withdrawal.
3.75% interest rate · Effective Sep 18, 2026
Rate checked
More details - First Community Credit UnionCertificates of Deposit (CDs)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. Early withdrawal penalties apply. No setup or maintenance fees. $1 share deposit required; must qualify for membership.
Offer: Compounding and crediting semi-annually. Early withdrawal penalties apply.
Effective Oct 9, 2026
Rate checked
More details - Armed Forces BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Interest rate is fixed for the full term and earned on the entire balance. Interest compounds quarterly for terms of 12 months and longer; shorter terms pay at maturity. Early withdrawal penalty applies: 7-91 days: 60 days loss of interest; 92-182 days: 182 days loss of interest; 183 to <60 months: 1 year loss of interest; 60 months: 2 years loss of interest.
Offer: 18-Month term.
Rate checked
More details - Community West Credit UnionCertificate of DepositCD · 18–23 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APYRequirements
Product: Penalty may be imposed for early withdrawal. Add-on CDs available.
Offer: Penalty may be imposed for early withdrawal.
3.69% interest rate · Effective Oct 16, 2026
Rate checked
More details - Bank of ZacharyCertificates of DepositCD · 18 months · $2,500 min
Bank · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: No monthly service charge. Automatic renewals. Fixed interest rate for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
3.70% interest rate · Effective Oct 16, 2026
Rate checked
More details - Citizens BankCertificates of Deposit (CDs)CD · 18 months · $2,500 min
Bank · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Effective Oct 1, 2026
Rate checked
More details - EPB EMPLOYEES CREDIT UNIONCertificatesCD · 18 months · $1,500 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Must maintain a Primary Share account in addition to the certificate. Minimum balance of $1,500 must be on deposit at all times. Automatically renews for a like term at maturity with a 10-day grace period. Early withdrawal subject to a 90-day dividend penalty (for 3-month to 2-year certificates) or a 120-day dividend penalty (for 2 1/2-year or 3-year certificates). Rates reflect quarterly compounding; monthly withdrawal of interest results in a lower yield.
Offer: Rates reflect quarterly compounding. Early withdrawal subject to 90-day dividend penalty.
3.75% interest rate · Effective Dec 30, 2025
Rate checked
More details - Thrive Credit UnionShare CertificatesCD · 18 months
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Dividends posted monthly and are subject to change without notice. Dividends compounded quarterly, transferred quarterly, or paid by check quarterly. A penalty will be imposed for early withdrawal.
Offer: Dividends posted monthly.
3.70% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate checked
More details - The Napoleon State BankCertificates of DepositCD · 18 months · $500 min · 3.75%–3.80% by balance
Bank · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Interest compounded, deposited into an account, transferred or paid by check. Terms vary up to 60 months. Minimum balance requirements and substantial penalties for early withdrawal vary based on term or type of certificate. Auto renewal for all CDs with 10-day grace period for CDs longer than 32 days. All interest rates are compounded daily and credited semi-annually. A minimum of $500 is required to open account and obtain disclosed APY. Penalty may be imposed for early withdrawal.
Offer: Minimum deposit $500.00. Standard rate tier.
3.68% interest rate · Compounded daily · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $50,000Your amount 3.75% $50,000 and up 3.80% Rate checked
More details - Bristol County Savings BankCertificate of DepositCD · 18 months · $5,000 min
Bank · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: An early withdrawal penalty may be imposed. Fees could reduce earnings.
3.68% interest rate · Effective Oct 13, 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank