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 976–990 results
- 3.60%APY$545 over 18 months on $10,000
Requirements
Product: Quarterly statements. Automatically renewable at maturity. May be pledged as collateral for a loan. Early withdrawal penalty may apply.
3.54% interest rate · Effective Oct 15, 2026
Rate checked
More details - Scott Associates Credit Union IncShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Available to members. A minimum balance of $500.00 is required to purchase a certificate of deposit. Lock-in shares for terms ranging from 3 to 60 months. Dividends are earned monthly and paid out by transfer to savings/checking, reinvestment, or mailed check. After opening, interest rate is fixed for the term. Penalty for early withdrawal is 90 days interest on the amount withdrawn. Fees could reduce earnings.
Offer: Second Qtr Dividend Rates. Rate subject to change without notice. Minimum deposit of $500 required. Fixed interest rate for the term. Early withdrawal penalty of 90 days interest.
3.66% interest rate
Rate checked
More details - Bank of StronghurstCertificate of Deposit (CD)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Interest is compounded quarterly, or customer may choose to receive interest periodically by check or credit to another Bank of Stronghurst account. Penalty may be imposed for early withdrawal. Annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
3.55% interest rate · Compounded quarterly · Effective Sep 29, 2026
Rate checked
More details - Ridgewood Savings BankCertificates of DepositCD · 18 months · $100 min
Bank · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Early withdrawal penalties apply on CD accounts. Guaranteed fixed rate of return for the entire term.
Offer: 18 Month CD term.
3.49% interest rate · Effective Oct 5, 2026
Rate checked
More details - CASE Credit UnionTerm Deposit AccountCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Credit Union Membership is required for all accounts.
3.54% interest rate
Rate checked
More details - Governmental Employees Credit UnionShare 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: Membership eligibility required. Early withdrawals are subject to penalty. No monthly maintenance fees or setup fees.
Offer: Early withdrawals are subject to penalty.
Promotional rate · 3.54% interest rate · Effective Oct 5, 2026
Rate checked
More details - WCCU Credit UnionShare CertificatesCD · 18 months · $500 min · 3.50%–3.60% by balance
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Dividends for 3-month and 6-month certificates are paid at maturity. Dividends for 1-year through 5-year certificates are paid quarterly.
Offer: Dividends paid quarterly
3.46% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and up 3.50% $10,000 and upYour amount 3.60% Rate checked
More details - Madison Fire Department Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Offer: 18 Month term. Requires $500 minimum balance.
3.54% interest rate · Effective Sep 14, 2026
Rate checked
More details - Security Bank of Kansas CityCertificates of Deposit - Fixed RateCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Interest compounded and credited quarterly. $500.00 minimum to open unless otherwise noted. Penalty for early withdrawal may apply.
3.55% interest rate
Rate checked
More details - ENERGY PLUSCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Rates effective as of October 1, 2026. Penalty may be imposed for early withdrawal. Rates will normally change every Wednesday, but are subject to change at any time.
Offer: Penalty may be imposed for early withdrawal.
3.55% interest rate · Effective Oct 1, 2026
Rate checked
More details - Champions First Credit UnionCertificates of DepositCD · 18 months
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Interest compounded daily and credited monthly. 20-day grace period following maturity for penalty-free withdrawals/additions. Withdrawals within first 6 days of initial deposit incur 7-day simple interest penalty. 24- and 36-month certificates are available as step-up CDs (one-time request for higher rate if rates increase, renewing original term).
Offer: 20-day grace period upon maturity.
3.54% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - Erie FCUTerm Share CertificateCD · 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: Dividends compounded monthly. Penalty may be imposed for early withdrawal. Rates subject to change.
3.54% interest rate · Compounded monthly · Effective Sep 21, 2026
Rate checked
More details - FirsTier BankCertificates of Deposit (CD’s)CD · 18 months
Bank · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Interest earned is payable by compounding, check, or transferring to an existing FirsTier account. A penalty may be imposed for early withdrawal. Automatically renews to a fixed rate CD of equivalent term.
3.54% interest rate · Effective Sep 21, 2026
Rate checked
More details - First Harvest Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: APY listed paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Review our Share Certificate Truth-In-Savings Disclosure for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance.
3.54% interest rate · Effective Sep 23, 2026
Rate checked
More details - 3.60%APY$545 over 18 months on $10,000intro rate
Requirements
Product: Restricted to new money not already on deposit with GUASFCU. Membership eligibility requirements apply. Additional deposits are not allowed after opening, and early withdrawal penalties apply. Interest is paid at maturity.
Offer: Restricted to new money not already on deposit with GUASFCU.
Promotional rate
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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