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 871–885 results
- Sea Air FCUShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.67%APY$556 over 18 months on $10,000Requirements
Product: Membership required ($5.00 min deposit in Share Savings Account). A penalty will or may be imposed for early withdrawal. APY assumes dividends remain on deposit until maturity.
3.60% interest rate · Effective Oct 14, 2026
Rate checked
More details - OHecuMonthly Dividend CertificateCD · 18–23 months
Credit union · Add a location to see nearby branches
3.67%APYRequirements
Product: The dividend rate is the same as the rate for the various terms stated in the term share certificate schedule. APY does not apply because the member receives a monthly dividend disbursement. Early withdrawal penalty applies.
Offer: Standard Rate tier. APY does not apply due to monthly dividend disbursement.
3.60% interest rate · Effective Oct 16, 2026
Rate checked
More details - Sunlight Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.67%APY$556 over 18 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalties apply.
Offer: Dividends are compounded daily. Dividends are credited monthly. Early withdrawal penalty: 180 Days Interest.
3.60% interest rate · Compounded daily · Effective Oct 16, 2026
Rate checked
More details - Delaware State Police Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.67%APY$556 over 18 months on $10,000Requirements
Product: Minimum opening deposit of $500. Early withdrawal penalty may apply.
Offer: Early withdrawal penalty may apply.
3.60% interest rate · Effective Sep 1, 2026
Rate checked
More details - Impact Credit UnionShare Certificate AccountsCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.67%APY$556 over 18 months on $10,000Requirements
Product: Dividends compounded and paid quarterly. $500.00 minimum daily balance required to earn dividends. Penalty for early withdrawal.
Offer: Dividends compounded and paid quarterly. $500.00 minimum daily balance required to earn dividends. Penalty for early withdrawal.
3.60% interest rate · Effective Oct 5, 2026
Rate checked
More details - Lake Huron Credit UnionCertificates of DepositCD · 18 months
Credit union · Add a location to see nearby branches
3.67%APY$556 over 18 months on $10,0003.60% interest rate
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More details - Great North BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.67%APY$556 over 18 months on $10,000Requirements
Product: Interest compounded and credited monthly. Assumes interest remains on deposit until maturity; withdrawal or paying interest out reduces earnings. Closing account before interest is credited forfeits accrued interest.
Effective May 20, 2026
Rate checked
More details - Your Legacy Federal Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.66%APY$554 over 18 months on $10,000Requirements
Product: Rates are locked in at account opening through the fixed period. Early withdrawal may be subject to penalty. Federally insured up to $250,000 by NCUA.
Offer: Compounding frequency: Monthly
3.60% interest rate
Rate checked
More details - Addition Financial Credit UnionTerm Share CertificateCD · 12–23 months · $1,000 min
Credit union · Add a location to see nearby branches
3.66%APYRequirements
Product: Dividends credited and compounded monthly. No monthly maintenance fee. Penalties may be imposed for early withdrawal. Certificates automatically renew at maturity for the same term as the original term.
3.60% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - GECUPersonal Bump-up Certificate Accounts (Variable rate)CD · 18 months · $5,000 min · 3.66%–3.76% by balance
Credit union · Add a location to see nearby branches
3.66%APY$554 over 18 months on $10,000Requirements
Product: Variable rate. Bump-up certificate accounts offer an option to increase the dividend rate once during each term to the current rate in effect upon written request. Unlimited funds may be deposited at any time during the term. Does not qualify for Senior Privilege 15 additional basis points. Membership eligibility is required; $10 share account deposit required.
Offer: Monthly Crediting. 18-month term. Average daily balance requirement of $5,000. One option to increase rate during term.
3.60% interest rate · Effective Oct 20, 2026
Rate by balance
Rate by balance for Personal Bump-up Certificate Accounts (Variable rate) Balance APY $5,000 and upYour amount 3.66% $50,000 and up18-month Jumbo. 3.76% Rate checked
More details - Members Credit UnionCertificate of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.66%APY$554 over 18 months on $10,000Requirements
Product: For CD Renewals, MCU must be contacted to obtain stated rates. Early withdrawal penalty may apply. Average daily balance required to earn APY.
Offer: 18-month term
3.60% interest rate · Effective Sep 30, 2026
Rate checked
More details - Inner Lakes Federal Credit UnionCertificate of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.66%APY$554 over 18 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal.
Offer: Minimum balance $500.
3.60% interest rate · Effective Aug 19, 2026
Rate checked
More details - West Pointe BankFixed Rate Certificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.66%APY$554 over 18 months on $10,000Requirements
Product: Fixed Rate Certificates of Deposit (CODs) may be subject to an early withdrawal penalty. Interest compounds monthly. APY assumes interest remains in account until maturity or funds are withdrawn. Withdrawals and fees will reduce earnings.
Offer: Interest compounds monthly. Early withdrawal penalty may apply.
3.60% interest rate · Effective Oct 19, 2026
Rate checked
More details - North Valley BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.66%APY$554 over 18 months on $10,000Requirements
Product: Interest penalty for early withdrawal from certificates of deposit. Fees could reduce earnings on the account.
Offer: APY assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually, whichever occurs first.
3.65% interest rate · Effective Oct 16, 2026
Rate checked
More details - Finex Credit UnionCD (Certificate of Deposit)CD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.66%APY$554 over 18 months on $10,000intro rateRequirements
Product: Contact memberservices@finexcu.org for CD rates greater $75,000. Minimum of $1,000 to open. An early withdrawal penalty may apply to share certifications if you withdraw any of the principal before the maturity date. Dividends compounded and credited every month.
Offer: 18 Month Special-NEW MONEY ONLY. New Money is considered funds not currently under deposit at Finex Credit Union.
Promotional rate · 3.60% interest rate · Balance cap $75,000 · Effective Oct 16, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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