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 811–825 results
- 3.75%APY$568 over 18 months on $10,000
Requirements
Product: Minimum balance to open is $500.00. Minimum balance to obtain APY is $500.00. Early withdrawal penalties may apply. Fees may reduce earnings. Interest rates and APYs are subject to change.
3.72% interest rate · Effective Oct 30, 2025
Rate checked
More details - Lakeview 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: The minimum balance required to open and maintain this account is $500.00. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield. There is a penalty for early withdrawal.
Offer: Dividends paid quarterly. Early withdrawal penalty is 180 days.
3.69% interest rate · Effective Jul 30, 2026
Rate checked
More details - Community Resource Federal Credit UnionShare CertificateCD · 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 to open and obtain APY is $500. Early withdrawal penalty applies. Dividends compounded and posted monthly. Share certificates automatically renew at maturity.
Offer: Dividends compounded and posted monthly. Early withdrawal penalty applies.
3.69% interest rate
Rate checked
More details - Second Federal | Savings & Loan Association Of PhiladelphiaCertificates Of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000intro rateRequirements
Product: Interest compounded daily and credited quarterly. Penalty for early withdrawal applies (equal to interest for half the current term on principal withdrawn). Automatically renews at maturity with a 7-day grace period. No monthly fees.
Promotional rate · 3.68% interest rate · Compounded daily · Effective May 1, 2026
Rate checked
More details - LCRA CUTerm CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Term Certificates renew automatically. Interest may be withdrawn before maturity without a penalty; early withdrawal penalty on principal may apply. Interest earned based on average daily balance.
Offer: Interest compounded quarterly, credited quarterly. Early withdrawal penalty may apply.
3.75% interest rate · Compounded quarterly · Effective Nov 1, 2022
Rate checked
More details - Shell FCUShare CertificatesCD · 18 months · $500 min · 3.75%–3.90% by balance
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Early withdrawal penalties apply.
Effective Sep 17, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.75% $25,000 and up 3.75% $50,000 and up 3.90% $100,000 and up 3.90% Rate checked
More details - Oak Cliff Christian Federal Credit UnionCertificate of DepositCD · 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: Share/Savings account required for membership ($25 minimum balance).
3.75% interest rate · Effective Oct 8, 2025
Rate checked
More details - California Highway Patrol Credit UnionCertificatesCD · 18 months · $2,000 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: CAHP Credit Union membership required. $2,000 minimum deposit required to open and maintain certificate account. Substantial penalty for early withdrawal. APY assumes dividends are reinvested and remain in the account for the duration of the term. Rates subject to change without notice.
Offer: CAHP Credit Union membership required. $2,000 minimum deposit required to open and maintain certificate account.
Rate checked
More details - RBFCUCertificateCD · 12–23 months · $1,000 min · 3.70%–3.86% by balance
Credit union · Add a location to see nearby branches
3.74%APYRequirements
Product: Membership eligibility required. $1,000 minimum balance required to open a Share Certificate account and earn stated APY. Early withdrawal penalties apply. Standard Certificate rate for 18 months does not apply to the 18-Month SuperSaver Certificate.
Offer: Standard Certificate rate for 18 months does not apply to the 18-Month SuperSaver Certificate.
3.64% interest rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $5,000 3.70% $5,000 – $20,000Your amount 3.74% $20,000 – $75,000 3.80% $75,000 and up 3.86% Rate checked
More details - Ergo BankCertificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.73%APY$565 over 18 months on $10,000intro rateRequirements
Product: Requires new money, which can consist of money from matured Ergo Bank CDs, savings, money market and checking accounts. Early withdrawal penalty applies. Withdraw or reinvest funds at full maturity. Fees may reduce earnings.
Offer: Early withdrawal penalty applies. Requires new money. Any withdrawal reducing balance below minimum may be treated as withdrawal of entire balance.
Promotional rate · 3.70% interest rate · Effective Oct 22, 2026
Rate checked
More details - 3.72%APY$563 over 18 months on $10,000
Requirements
Product: Federal regulations on CDs require a substantial penalty for early withdrawal. Rates compounded daily. Fees or other conditions could reduce the earnings on the accounts. We reserve the right to change the rates at any time.
3.65% interest rate · Compounded daily · Effective Oct 17, 2026
Rate checked
More details - First National Bank of HerefordCertificates of Deposit (CDs)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.72%APY$563 over 18 months on $10,000with conditionsRequirements
Product: Early withdrawals subject to penalty. No setup or maintenance fees.
Offer: 18 Month "Raise Your Rate" without transaction account; Jumbo balance; ability to step the rate up to the current 18 month maturity market rate ONE time during the life of the CD.
Qualified rate · 3.75% interest rate
Rate checked
More details - First National Bank of HerefordCertificates of Deposit (CDs)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.72%APY$563 over 18 months on $10,000with conditionsRequirements
Product: Early withdrawals subject to penalty. No setup or maintenance fees.
Offer: 18 Month "Raise Your Rate" without transaction account; balance Less than $50,000; ability to step the rate up to the current 18 month maturity market rate ONE time during the life of the CD.
Qualified rate · 3.75% interest rate · Balance cap $49,999.99
Rate checked
More details - The First National Bank of GordonCertificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.72%APY$563 over 18 months on $10,000Requirements
Offer: Interest compounded daily.
3.65% interest rate · Compounded daily · Effective Sep 17, 2026
Rate checked
More details - PWC Employees Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.72%APY$563 over 18 months on $10,000Requirements
Product: Dividends compounded quarterly. Early withdrawal penalty is 90 days dividends. Fixed rate for initial term. Automatic renewal with a 7-day grace period. Requires credit union membership (1 share at $10.00 par value).
Offer: Dividends compounded and credited quarterly. Automatically renewable.
3.70% interest rate · Compounded quarterly · Effective Sep 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
3,154 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