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 1111–1125 of 3,160 results
- Illinois Educators CUCertificate RatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.51%APY$531 over 18 months on $10,000Requirements
Offer: Minimum Deposit $1,000.00.
3.45% interest rate · Effective Oct 16, 2026
Rate checked
More details - Diamond Credit UnionRegular Share CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.51%APY$531 over 18 months on $10,000Requirements
Product: Must qualify for membership. Early withdrawal penalty applies. Calculated on minimum opening deposit.
Effective Oct 16, 2026
Rate checked
More details - 1st Advantage BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.51%APY$531 over 18 months on $10,000intro rateRequirements
Offer: Penalty may be imposed for early withdrawal.
Promotional rate · 3.46% interest rate · Effective Oct 5, 2026
Rate checked
More details - InvesTex Credit UnionCertificate of DepositCD · 18 months · $1,000 min · 3.51%–4.25% by balance
Credit union · Add a location to see nearby branches
3.51%APY$531 over 18 months on $10,0003.45% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 3.51% $50,000 and upJumbo ($50K plus) 4.25% Rate checked
More details - Credit Union For AllCertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.51%APY$531 over 18 months on $10,000Requirements
Product: $500 minimum balance. Dividends paid monthly. Effective December 1, 2025. *APY = Annual Percentage Yield. Dividends paid monthly. A penalty will be assessed for early termination.
Offer: Term: 18 months
3.45% interest rate · Effective Dec 1, 2025
Rate checked
More details - NexTier BankCertificates of DepositCD · 18 months · $5,000 min
Bank · Add a location to see nearby branches
3.51%APY$531 over 18 months on $10,000intro rateRequirements
Product: Traditional CDs designed to be a low-risk, fixed interest rate account with a set maturity date. Flexible terms ranging from 3 months to 10 years, low minimum deposit requirements, flexible interest payment options, and automatic renewals. Interest is calculated on the daily ledger balance and compounded & credited quarterly. Early withdrawal penalties apply, and fees may reduce earnings.
Offer: Special offer accurate as of September 18, 2026. Fixed interest rate of 3.46% (3.51% APY). $5,000 minimum balance required to open the account and obtain advertised APY. Cannot be combined with any other offers. Auto-renews at 12-month term at current rate. Penalties apply for early withdrawal.
Promotional rate · 3.46% interest rate
Rate checked
More details - Royal Credit UnionCertificatesCD · 18 months · $0 min
Credit union · Add a location to see nearby branches
3.51%APY$531 over 18 months on $10,000Requirements
Product: Membership required and account opening upon qualification. Substantial penalty for early withdrawal. Dividends calculated daily, compounded and paid monthly.
3.45% interest rate · Effective Jul 6, 2026
Rate checked
More details - First Federal Savings BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.51%APY$531 over 18 months on $10,000intro rateRequirements
Product: Rates subject to change without notice. A penalty will be imposed for early withdrawal.
Offer: 18 Month special. Minimum balance to open and earn APY is $500. Penalty for early withdrawal.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - RTP Federal Credit UnionCertificate AccountsCD · 18 months · $250 min
Credit union · Add a location to see nearby branches
3.51%APY$531 over 18 months on $10,000Requirements
Product: Interest is compounded daily and posted monthly. Automatically renewed at prevailing rate at maturity unless instructed otherwise. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Penalties may apply for early withdrawal.
3.45% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - Casco Federal Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.51%APY$531 over 18 months on $10,000Requirements
Product: Dividends compound and credit monthly. Fixed rate. Automatic renewal. Additional deposits not allowed after opening. Penalty for early withdrawal is 365 days of dividends. Average daily balance method used.
3.45% interest rate · Effective Apr 8, 2026
Rate checked
More details - Fleur De Lis FCUShare CertificatesCD · 18 months · $500 min · 3.40%–3.61% by balance
Credit union · Add a location to see nearby branches
3.51%APY$531 over 18 months on $10,000Requirements
Product: A $500 deposit is required to open a Share Certificate. Membership restrictions apply.
3.35% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and up 3.40% $10,000 and upYour amount 3.51% $50,000 and up 3.61% Rate checked
More details - Metropolitan Services Credit UnionCertificates of DepositCD · 18 months · $2,000 min
Credit union · Add a location to see nearby branches
3.51%APY$531 over 18 months on $10,000intro rateRequirements
Product: Dividends paid at maturity. Minimum deposit is $2,000.
Promotional rate · 3.50% interest rate
Rate checked
More details - Okaloosa County Teachers FCUCertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.51%APY$530 over 18 months on $10,000Requirements
Product: Minimum of $1,000.00 required. Terms from 31 days out to 30 months. Rates subject to change at any time and not guaranteed.
Offer: 18 Months term
3.45% interest rate
Rate checked
More details - kstate CREDIT UNIONShare Certificate of DepositCD · 3–60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APYRequirements
Offer: APYs are shown as high as and subject to change without notice.
Rate checked
More details - Farmers BankCertificates of DepositCD · 12–23 months · $500 min
Bank · Add a location to see nearby branches
3.50%APYRequirements
Product: Interest compounded daily and credited at maturity. Minimum balance required each day to obtain disclosed APY. Early withdrawal penalty may be imposed. Automatically renews with a 10-day grace period. No additional deposits or withdrawals allowed until maturity.
Offer: Early withdrawal penalty may be imposed.
3.44% interest rate · Compounded daily · Effective Sep 11, 2026
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
3,160 CDs at 2,794 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%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
- Synchrony BankBank