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 1021–1035 of 3,159 results
- 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
Rate checked
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
Rate checked
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
Rate checked
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
Rate checked
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
More details - First National Bank of RaymondTraditional CDCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: Automatically renews at current bank rate at maturity. Substantial penalty for early withdrawal.
Offer: APY assumes interest remains on deposit until maturity.
3.50% interest rate · Effective Sep 30, 2026
Rate checked
More details - Norwin Teachers FCUTerm Share CertificatesCD · 18 months · $10,000 min
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000intro rateRequirements
Product: Dividends compounded quarterly on terms 1 year or more; for terms under one year, dividends are paid at maturity. Early withdrawal penalties apply.
Offer: Requires $10,000.00 NEW MONEY Minimum Deposit. Dividends compounded quarterly.
Promotional rate · 3.50% interest rate · Compounded quarterly · Effective Sep 23, 2026
Rate checked
More details - Educational Employees Credit UnionShare CertificatesCD · 18 months · $500 min · 3.51%–3.66% by balance
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: Fixed dividend rate for the entire term; early withdrawal penalties may apply. Funds insured by NCUA. Share certificates can be opened online/mobile. Additional deposits after opening are not permitted.
3.45% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and up 3.51% $10,000 and upYour amount 3.56% $50,000 and up 3.61% $100,000 and up 3.66% Rate checked
More details - Universal 1 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 compounded daily and credited monthly. Early withdrawals of principal are subject to substantial interest/dividend penalties. Minimum opening deposit requires maintaining $5.00 par value share in a Savings account.
Offer: Early withdrawal penalty is 182 days' dividends for terms of 13 months or greater.
3.50% interest rate · Compounded daily · Effective Nov 10, 2025
Rate checked
More details - Lufthansa Employee Federal Credit UnionCertificate AccountCD · 18 months · $5,000 min
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000intro ratePromotional rate · 3.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - Silex Banking CompanyCertificate 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 deposit required. No early withdrawal is allowed. All interest rates are subject to change without notice. Interest may be paid by reinvestment, check, or automatic transfer to a deposit account at the bank. Interest can be paid monthly, quarterly, semi-annually, or annually.
3.50% interest rate
Rate checked
More details - 3.56%APY$539 over 18 months on $10,000
Requirements
Product: You must maintain the minimum balance of $1,000.00 on a daily basis to earn the annual percentage yield disclosed for Standard CD's. We use the daily balance method to calculate the interest on your account. Early withdrawal fee applies.
3.50% interest rate · Effective Oct 4, 2026
Rate checked
More details - GSL 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: Interest is compounded continuously and credited monthly. To obtain the APY, a minimum balance of $500.00 must be maintained each day. No additional deposits may be made into your account until the maturity date. Early withdrawal penalties may apply.
3.45% interest rate · Effective Sep 30, 2026
Rate checked
More details - Air Academy Credit UnionCertificatesCD · 18–23 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APYRequirements
Product: A minimum balance of $500.00 is required to open and earn dividends on Certificate Accounts or an IRA Certificate. Early withdrawal penalties may apply. Dividends begin accruing when account opening documentation has been completed (signed and received by AACU) and account has been funded.
Offer: Early withdrawal penalties may apply.
3.50% interest rate · Effective Oct 4, 2026
Rate checked
More details - Palmetto Citizens Federal Credit UnionCertificateCD · 18 months · $500 min · 3.56%–3.66% by balance
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: Rates subject to change at any time without notice. Membership eligibility required.
3.50% interest rate
Rate by balance
Rate by balance for Certificate Balance APY $500 and upYour amount 3.56% $100,000 and up 3.61% $250,000 and up 3.66% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 18-month CDs pay nationwide
3,159 CDs at 2,793 banks and credit unions · checked Oct 22–25
- Typical
- 3.25%
- Top 10% from
- 4.10%
- Banks, typical
- 2.94%
- Credit unions, typical
- 3.30%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
- Synchrony BankBank