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 1006–1020 of 3,149 results
- 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
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More details - Gunnison Savings & LoanCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.57%APY$540 over 18 months on $10,0003.50% interest rate
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More details - Farmway Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.57%APY$540 over 18 months on $10,000Requirements
Product: Automatically renewable. Terms from 3 months to 48 months. Penalties apply for early withdrawal. Dividends calculated by daily balance method and accrue on the business day deposit is made; if closed before crediting, accrued dividends for that period are forfeited.
Offer: Dividend paid monthly, quarterly, semiannually, or at maturity. Dividend deposited to share account or added to certificate at maturity only.
3.60% interest rate · Effective Jul 1, 2025
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More details - Kelly Community Federal Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,0003.50% interest rate
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More details - TrailNorth Federal Credit UnionShare CertificatesCD · 12–23 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY - State Highway Patrol Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: Membership required to open Share Certificates with SHPFCU. A penalty may be imposed for early withdrawal. Minimum balance to open a share certificate is $500.00. Dividends may be paid monthly, quarterly, or annually; APY listed assumes monthly dividends.
Offer: Assumes monthly dividends. Dividends may be paid monthly, quarterly, or annually. Penalty for early withdrawal. Membership required.
3.50% interest rate
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More details - Hoosier United Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: Hold a dollar amount (over $1,000) in a certificate for a term of 6, 12, 18, or 24 months and pay a fixed dividend rate every month. Dividends are paid monthly on anniversary date of opening. Minimum balance required is $1,000. Early withdrawal penalty applies.
Offer: Minimum balance required is $1,000. Once rate locked in for term, fixed rate for single term only. Rates are set at CD renewal for CD term. Early withdrawal penalty applies.
3.50% interest rate · Effective Oct 19, 2026
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More details - Lowell Firefighters FCUCertificates of DepositsCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: Rates fixed for the term once opened. Dividends calculated on the daily balance and compounded monthly. Early withdrawal penalty may be imposed.
3.50% interest rate · Compounded monthly · Effective Sep 23, 2026
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More details - First Federal BankCertificates of Deposit (CDs)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: $500 Minimum Deposit to Open. Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal. Principal withdrawals prior to the maturity or renewal date may be subject to early withdrawal penalties. Penalties are not assessed if the account holder is deceased. Renewal grace period is seven (7) calendar days. Fees may reduce earnings on the account. Interest will be compounded and credited monthly.
Offer: Assumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. Interest compounded and credited monthly.
3.50% interest rate · Effective Oct 1, 2026
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More details - Eureka Savings BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: $1,000.00 minimum balance needed to open. Interest compounds daily. Funds are subject to penalty for early withdrawal.
3.50% interest rate · Effective Oct 6, 2026
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More details - Peoples Trust & Savings BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Fees may reduce earnings. Minimum opening deposit of $500.00. Rates are subject to change without notice.
Offer: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Effective Jul 14, 2026
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More details - Albright Credit UnionShare Certificates of DepositCD · 18 months · $2,500 min
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: Dividends are compounded daily and credited monthly using average daily balance. Substantial penalty for early withdrawal. Rates effective 9/21/2026. Fixed rate until maturity.
3.50% interest rate · Compounded daily · Effective Sep 21, 2026
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More details - Riverbank Federal Credit UnionTerm Share CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: $500 minimum balance required to open account and earn posted dividend. Dividends paid monthly based on Average Daily Balance. Account automatically rolls over at maturity. Early withdrawal penalty equals 6 months (180 days) dividends.
3.50% interest rate · Effective Oct 8, 2026
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More details - BrightView Federal Credit UnionCertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: Dividends are compounded monthly and posted monthly. All certificates are set to auto renew. Early withdrawal penalty applies (90 or 180 days).
Offer: Early withdrawal penalty: 180 days. Dividends compounded and posted monthly. Auto renews.
3.50% interest rate · Compounded monthly · Effective Dec 31, 2025
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More details - SESLOC Credit UnionTraditional Share CertificateCD · 18 months · $1,000 min · 3.56%–3.71% by balance
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: Dividends compound monthly. Early withdrawal penalties apply. Partial early withdrawal reducing principal below tier minimum results in account closure. Minimum opening deposit $1,000.
3.50% interest rate
Rate by balance
Rate by balance for Traditional Share Certificate Balance APY $1,000 – $50,000Your amount 3.56% $50,000 – $100,000 3.61% $100,000 – $200,000 3.66% $200,000 and up 3.71% 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
3,149 CDs at 2,785 banks and credit unions · checked Oct 22–24
- Typical
- 3.25%
- Top 10% from
- 4.10%
- Banks, typical
- 2.91%
- 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