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 991–1005 results
- Homewood Federal Savings BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000intro ratePromotional rate · 3.50% interest rate · Effective Nov 11, 2025
Rate checked
More details - CE Credit UnionCertificatesCD · 18 months · $2,500 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Member Rewards: rate increases by 0.10% if you have CECU checking, direct deposit, and over $25,000 on deposit; rate increases by 0.20% if you have over $50,000 on deposit. Interest paid monthly.
3.55% interest rate
Rate checked
More details - Great Lakes First Federal 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 $10,000Requirements
Product: Penalties apply for early withdrawal. Fees could reduce earnings.
Effective Feb 13, 2026
Rate checked
More details - Members Community Credit UnionCertificate of Deposit / 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: Minimum deposit is $1,000; for minor primary owners it's $250. Automatic renewal. Early withdrawal fee applies.
Offer: Automatic renewal; minimum deposit is $250 for minor primary owners.
3.54% interest rate
Rate checked
More details - Southwest Research Center 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 $10,0003.54% interest rate
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More details - Public Safety Credit UnionShare 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: Minimum required deposit is $500. Penalties apply for early withdrawal. Rates vary based on member relationship with the Credit Union and include all available bonuses.
Offer: Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
3.54% interest rate · Effective Jul 10, 2026
Rate checked
More details - United Consumers Credit UnionCertificates of Deposit (CD)CD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Dividends compounded monthly and paid monthly. Early withdrawals subject to penalty. No monthly maintenance fees.
Offer: Dividends compounded monthly and paid monthly. Early withdrawal penalties apply.
Compounded monthly · Balance cap $24,999.99
Rate checked
More details - First American CUPromotional Term 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: Limited time offer. Penalty may be imposed for early withdrawal before maturity. Interest paid monthly on certificates over $100,000.
Offer: Limited time offer. $1,000 minimum balance, $150,000 maximum balance.
Promotional rate · 3.54% interest rate · Balance cap $150,000 · Effective Apr 1, 2026
Rate checked
More details - Great Basin Federal Credit UnionShare 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: Share Certificates automatically renew upon maturity for the same term at current rates. Dividends paid quarterly; subject to early withdrawal penalties.
3.55% interest rate · Effective Aug 24, 2026
Rate checked
More details - UniBankCertificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Minimum opening deposit: $1,000. Term: 3 months to 60 months. Penalty for early withdrawal of principal. Fixed interest rate calculated daily and paid/credited monthly. 10 day grace period after maturity to withdraw funds without penalty. Renewal will be the same as original term at rate determined at renewal.
3.54% interest rate · Effective Feb 2, 2026
Rate checked
More details - Consumers Professional Credit UnionCertificates of DepositCD · 18 months · $1,000 min · 3.60%–3.70% by balance
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Dividends are compounded quarterly and paid quarterly. A penalty may be imposed for early withdrawals. Fees may reduce earnings on accounts.
Offer: Dividends compounded quarterly and paid quarterly. Early withdrawal penalty may apply.
3.55% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $49,999Your amount 3.60% $50,000 and up 3.70% Rate checked
More details - Innovations Financial Credit UnionNon-Compounding Share CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.59%APY$543 over 18 months on $10,000Requirements
Product: Rates shown for Share Certificate accounts are accurate as of 10/22/2026. Early withdrawal penalties apply.
Offer: Early withdrawal penalty applies.
3.59% interest rate · Effective Oct 22, 2026
Rate checked
More details - Versailles Savings & LoanEducation Savings Certificate of DepositCD · 18 months · $100 min
Bank · Add a location to see nearby branches
3.59%APY$543 over 18 months on $10,000Requirements
Product: Rate is subject to adjustment the first day of each calendar quarter. Interest is paid quarterly and compounded daily by daily balance method. Additional deposits permitted in any amount.
Offer: Variable rate CD where rate may change after opening. Additional deposits allowed in any amount.
3.53% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - Advantage One Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.59%APY$543 over 18 months on $10,000intro rateRequirements
Product: Low minimum balance of $500 to open. Penalty for early withdrawal.
Offer: Paid at maturity.
Promotional rate · 3.59% interest rate
Rate checked
More details - Cornerstone State Bank12 - 23 Month C.D.CD · 12–23 months · $1,000 min
Bank · Add a location to see nearby branches
3.58%APYwith conditionsRequirements
Product: Compounded Semi-Annually. Early Withdrawal Penalty: CD term is 1 year or less = Loss of 90 Days of Interest / Over 1 year = Loss of 180 Days of Interest. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month.
Offer: Compounded Semi-Annually.
Qualified rate · 3.55% interest rate
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%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank