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 826–840 results
- Tri County Area Federal Credit UnionCertificatesCD · 18 months · $500 min · 3.72%–3.82% by balance
Credit union · Add a location to see nearby branches
3.72%APY$563 over 18 months on $10,000Requirements
Product: Dividends paid monthly; No setup or maintenance fees; Add-on option available to make additional deposits; Funds fully insured up to $250,000 by the NCUA.
Offer: Dividends paid monthly.
3.65% interest rate
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 3.72% $50,000 and up 3.77% $75,000 and up 3.82% Rate checked
More details - Iowa State BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.71%APY$562 over 18 months on $10,000intro rateRequirements
Product: A substantial penalty may be imposed for early withdrawal from any of the above certificates of deposit investments. A 10-day grace period is provided upon maturity of the Certificate of Deposit to make changes or withdrawals without penalty. Fees may reduce earnings.
Offer: Compound frequency: Semi-Annually. Effective Thru: 10/27/2026. A substantial penalty may be imposed for early withdrawal.
Promotional rate · 3.68% interest rate · Effective Oct 14, 2026
Rate checked
More details - Heartland Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.71%APY$562 over 18 months on $10,000Requirements
Product: Terms range from 3 months to 60 months. $1,000 minimum amount to open. Dividends compound and pay monthly. Early withdrawal penalties apply.
Offer: Minimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members.
3.65% interest rate · Effective Oct 14, 2026
Rate checked
More details - Rocky Mountain Credit UnionTerm CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.71%APY$562 over 18 months on $10,000Requirements
Product: Requires Membership Savings with a minimum $20 balance. Cannot add to certificate during term.
3.65% interest rate · Effective Oct 1, 2026
Rate checked
More details - New Dimensions Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.71%APY$562 over 18 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalties apply. Rates effective October 1, 2026.
Offer: Early withdrawal penalty of 270 days dividends.
3.65% interest rate · Effective Oct 1, 2026
Rate checked
More details - CPS IBEW FCUShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.71%APY$562 over 18 months on $10,000Requirements
Product: Dividends are calculated using the daily balance method. Penalties are assessed for early withdrawal. Rates are subject to change.
Offer: Penalty assessed for early withdrawal.
3.65% interest rate · Effective Feb 2, 2026
Rate checked
More details - GECUPersonal Certificate Accounts (Fixed rate)CD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$560 over 18 months on $10,000Requirements
Product: Membership eligibility is required. Must have a GECU share account ($10 deposit) to open a certificate account. Dividends are accurate as of Tuesday, October 20, 2026. Early-withdrawal penalties apply.
Offer: Annual/Maturity Crediting. Average daily balance requirement of $1,000.
3.70% interest rate · Effective Oct 20, 2026
Rate checked
More details - Telhio Credit UnionCertificate of Deposit (CD)CD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$560 over 18 months on $10,000Requirements
Product: Open to anyone who lives, works, worships or goes to school in Central and Southwest Ohio. Early withdrawal penalty may reduce earnings. Interest is compounded and paid quarterly.
Offer: Fees such as a penalty for early withdrawal on Share CDs may reduce earnings.
3.64% interest rate · Effective Oct 13, 2026
Rate checked
More details - OHecuTerm Share CertificatesCD · 18–23 months · $500 min
Credit union · Add a location to see nearby branches
3.70%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: Silver Rate tier. Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month).
Qualified rate · 3.65% interest rate · Effective Oct 5, 2026
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More details - National Grand BankCertificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.70%APY$560 over 18 months on $10,0003.64% interest rate · Effective Oct 21, 2026
Rate checked
More details - Navy Federal Credit UnionEasyStart CertificateCD · 18 months · $50 min
Credit union · Add a location to see nearby branches
3.70%APY$560 over 18 months on $10,000Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.63% interest rate · Effective Oct 22, 2026
Rate checked
More details - Main Bank18-Month Certificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.70%APY$560 over 18 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Minimum daily balance required to obtain APY is $1,000.00. Fees could reduce earnings. Bank reserves the right to require at least 7 days' notice in writing before withdrawals.
Offer: Balances Over $1,000. Minimum daily balance required to obtain the APY is $1,000.00. Early withdrawal penalty may apply.
3.65% interest rate · Effective Oct 8, 2026
Rate checked
More details - Reliant Credit UnionInvestor CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$560 over 18 months on $10,000Requirements
Product: Minimum opening deposit of $1,000. No additional deposits allowed until maturity. Early withdrawal penalty: 90 days dividends for terms of 12 months or less; 180 days dividends for terms greater than 12 months.
3.65% interest rate · Effective Sep 22, 2026
Rate checked
More details - Hocking Valley BankCertificates of DepositsCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.70%APY$560 over 18 months on $10,000Requirements
Product: Penalty imposed for early withdrawal. Rates subject to change. Interest compounds monthly. Fees may reduce earnings. Renewable. APYs reflect interest compounded and credited monthly, remaining until maturity. Quarterly, semi-annual, and annual compounding available upon request with mandatory interest payouts.
Offer: 18-month CD. Interest compounds monthly. Renewable. Early withdrawal penalty applies.
3.64% interest rate · Effective Jul 20, 2026
Rate checked
More details - Baltic State BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.70%APY$560 over 18 months on $10,000Requirements
Product: Minimum deposit of $500 to open. 2 forms of identification required. Additional deposits are not allowed during term. Early withdrawals may be subjected to penalties. Automatically renewed upon maturity with a 10-day grace period. Open at any office or online (online for existing customers only).
Offer: Early withdrawal penalty applies. Minimum balance to obtain APY is $500.00. Automatic renewal with 10-day grace period.
3.64% interest rate · Effective Oct 8, 2026
Rate checked
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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