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 946–960 results
- The Fort Jennings State BankCertificateCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.62%APY$548 over 18 months on $10,000Requirements
Product: Rates subject to change. Substantial interest penalty for early withdrawal. Fees could reduce earnings.
Offer: Semi-Annually APY
3.59% interest rate · Effective Aug 11, 2026
Rate checked
More details - Muskogee Federal Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.61%APY$546 over 18 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
3.55% interest rate · Effective Jun 17, 2026
Rate checked
More details - Drake BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.61%APY$546 over 18 months on $10,000Requirements
Product: CD accounts require a $500 opening balance. Additional deposits before maturity are not permitted. Penalty for early withdrawal may apply.
3.60% interest rate · Effective Oct 5, 2026
Rate checked
More details - United Poles Federal Credit UnionCertificateCD · 18 months
Credit union · Add a location to see nearby branches
3.61%APY$546 over 18 months on $10,0003.55% interest rate · Effective Sep 18, 2025
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More details - 3.61%APY$546 over 18 months on $10,000
Requirements
Product: Minimum opening balance of $500. Available in terms from 3 to 60 months. Dividends are compounded monthly. Early withdrawal penalties may apply.
Offer: Dividends compounded monthly. Early withdrawal penalty applies.
3.55% interest rate · Compounded monthly
Rate checked
More details - 3.61%APY$546 over 18 months on $10,000
Requirements
Product: Dividends compounded monthly. Early withdrawal penalties apply.
Offer: Dividends compounded monthly. Early withdrawal penalty applies.
3.55% interest rate · Compounded monthly
Rate checked
More details - High Desert Community Credit UnionCertificate of DepositCD · 18 months
Credit union · Add a location to see nearby branches
3.61%APY$546 over 18 months on $10,0003.55% interest rate · Effective Oct 17, 2025
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More details - Corrections Federal Credit UnionShare Certificate (Certificate of Deposit)CD · 3–36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APYRequirements
Product: Certificates earn dividends at higher rates than share savings accounts and money market accounts, but require funds to be locked in for a predetermined maturity period. Dividends are paid at maturity.
Offer: APY is stated as 'as high as 3.60%'. Terms offered range from 3 months to 36 months with a minimum deposit of $1,000. Dividends paid at maturity.
Effective Nov 8, 2024
Rate checked
More details - Bank of Franklin CountyCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000with conditionsRequirements
Product: Interest paid monthly, quarterly or at maturity based on terms. Interest paid by check, deposited into a checking or savings account, or credited directly back to certificate. Automatically renews at maturity for the same term. Compounded and credited monthly for terms of 6 months or greater. Compounded and credited at maturity for terms of less than 6 months. Early withdrawal penalty may apply. APY requires $500 minimum balance to open and obtain APY ($100 for Fair CD). Rates effective as of October 22, 2026. FDIC insured up to $250,000.
Offer: 18 Month Certificate; Preferred Rate with any checking account
Qualified rate · 3.54% interest rate · Effective Oct 22, 2026
Rate checked
More details - Clay County State BankCertificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal for Certificate of Deposit holders. Fees may reduce earnings. APY if interest paid at maturity
Offer: Minimum to Avoid Fees is $500.
3.60% interest rate · Effective Oct 20, 2026
Rate checked
More details - CEFCUCertificate AccountsCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Minimum to open $1,000. Dividends compounded and credited monthly. Early withdrawal penalties may apply. Rates subject to change daily.
3.54% interest rate · Effective Oct 21, 2026
Rate checked
More details - Cross Valley Federal Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000intro rateRequirements
Product: Compounded and credited quarterly. Penalty for early withdrawal is 12 months dividends. Membership required (par value of one share $5.00). Applies to new money only.
Offer: Dividends compounded quarterly, credited quarterly. Early withdrawal penalty applies. Not renewable automatically. Additional deposits not allowed.
Promotional rate · 3.55% interest rate · Compounded quarterly · Effective Jul 1, 2026
Rate checked
More details - America's Christian Credit UnionTerm Share CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000intro rateRequirements
Product: Fixed rate for term selected ranging from 3 months to 60 months. Dividends compounded and paid monthly. Minimum balance of $1,000 required to open and earn dividends. Penalty for early withdrawal. Fees may reduce earnings.
Offer: Fixed rate. Compounded and credited monthly. Valid 10/23/2026.
Promotional rate · 3.54% interest rate · Effective Oct 23, 2026
Rate checked
More details - CSE Federal Credit UnionTerm Share CertificateCD · 18 months · $500 min · 3.50%–3.70% by balance
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Certificate rates are locked in for the term selected. Early withdrawal penalty may apply.
Offer: Certificates Less Than $10,000. Early withdrawal penalty is 180 days of dividends.
Effective Sep 17, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 and up 3.50% $10,000 and upYour amountCertificates More Than $10,000. 3.60% $100,000 and upCertificates More Than $100,000. 3.70% Rate checked
More details - Security BankUSACertificate of DepositCD · 18 months · $500 min · 3.39%–3.70% by balance
Bank · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Rates current as of October 23, 2026. Interest rate is paid on the entire balance. Interest Rate and APY may change after account is opened. Fees may reduce earnings certificate. Early withdrawals are subject to penalty. 36, 48, & 60 Month Certificate of Deposit are option CDs, which allows you to change the rate once during the term of the certificate.
3.35% interest rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 – $10,000 3.39% $10,000 – $25,000Your amount 3.60% $25,000 – $1,000,000,000 3.70% 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