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 1141–1155 of 3,160 results
- Combined Employees Credit UnionShare Savings CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
3.46% interest rate · Effective Sep 1, 2026
Rate checked
More details - Transcend Credit UnionShare Certificate AccountCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Minimum opening deposit $500. Early withdrawal penalty applies. At maturity, certificate closes and funds transfer to member's Regular Savings Account. Fixed APY from account opening until maturity. Fees may reduce earnings.
Offer: Early withdrawal penalty applies; fixed rate until maturity. At maturity funds transfer to Regular Savings.
Effective Oct 1, 2026
Rate checked
More details - 3.50%APY$530 over 18 months on $10,000with conditions
Requirements
Product: Must maintain a Perks Checking or Perks with Interest Checking account with a minimum daily account balance of $2,500 with at least one direct deposit into the account during every monthly statement cycle. Failure to satisfy these conditions during the initial term of this Certificate of Deposit will result in a forfeiture of this higher rate. The Bank may reduce the interest rate on this Certificate of Deposit to the then current standard CD rate, which reduction shall be applied throughout the remaining term of the Certificate of Deposit.
Offer: Must maintain Perks Checking or Perks with Interest Checking with $2,500 minimum daily balance and at least one direct deposit per monthly statement cycle. Monthly compounding.
Qualified rate · 3.45% interest rate · Effective Oct 21, 2026
Rate checked
More details - Meritrust Credit Union – ColoradoShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: $500 minimum opening balance and minimum balance to earn APY. A penalty may be imposed for early withdrawal. Fees can reduce earnings. Fixed rate. Dividends compounded and credited monthly. Automatically renewable with a 10-day grace period.
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - WECUSavings CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Minimum opening balance of $500. Early withdrawal penalty applies. Accrues daily, compounds quarterly. Automatically renews for another term upon maturity with a 10-day grace period.
Offer: Early withdrawal penalty of 180 days' dividends.
3.45% interest rate · Effective Oct 16, 2026
Rate checked
More details - Happen BankCertificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Minimum opening deposit of $500.00; maximum total deposit of $500,000.00 per account. Additional deposits are not permitted during the term outside of the 10-day grace period. Early withdrawal penalties apply: 90 days simple interest for terms of 1 year or less, 180 days simple interest for terms greater than 1 year. Automatically renews at maturity.
3.44% interest rate · Balance cap $500,000 · Effective Oct 21, 2026
Rate checked
More details - Unity One Credit UnionSavings CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Fixed dividend rate and APY for the term. Name Your Own Term available in full-month increments from 6 months to 4 years earning the rate of the preceding certificate tier. Bump-up rate options for 2 and 3-year terms. Ability to add to balance during term.
Offer: Fixed dividend rate and APY. Assumption dividends remain on deposit until maturity; withdrawals and fees could reduce earnings.
Rate checked
More details - Crossroads BankCertificates of Deposit (CDs)CD · 18 months · $2,000 min
Bank · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Offer: Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest
3.47% interest rate · Effective Oct 9, 2026
Rate checked
More details - Earthmover Credit UnionCD SpecialsCD · 18 months · $5,000 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000intro rateRequirements
Product: Credit union membership is required. Rates are subject to change. Funds are insured up to $250,000 per account by ASI (American Share Insurance). This institution is not federally insured. Limited-time offer and may be withdrawn at any time. Penalty for early withdrawal. Fees could reduce earnings on the account. Based on monthly compounding of interest and monthly crediting of interest.
Promotional rate · 3.45% interest rate · Effective Oct 10, 2026
Rate checked
More details - Ponce BankCertificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: The minimum balance to open and obtain the APY for Certificates of Deposits (CDs) 1-6 months is $500. The minimum balance to open and obtain the APY for CDs 12-60months is $1,000. A penalty may be imposed for withdrawals before maturity on CDs. Fees may reduce earnings. Offer and rates may change without prior notice.
3.44% interest rate · Effective Sep 17, 2026
Rate checked
More details - UHS Employees Federal Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Dividends require balance of at least $25.00. Penalty for early withdrawal: 90 days interest for certificates less than 3 years; 240 days interest for certificates 3 years or more.
3.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - Solvay BankCertificates of Deposit (CDs)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Offer: Certificates of Deposit require a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
3.44% interest rate
Rate checked
More details - Patriot Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min · 3.40%–3.60% by balance
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Penalty for early withdrawal. Rates tiered based on amount of deposit. Fixed dividend rate, monthly dividends. Insured up to $250,000 by NCUA. Open with as little as $1,000. Available in terms of 3 months to 5 years.
Offer: Penalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance.
Effective Sep 2, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $9,999 3.40% $10,000 – $24,999Your amount 3.50% $25,000 – $99,999 3.50% $100,000 – $250,000 3.55% Over $250,000 3.60% Rate checked
More details - Toledo Metro Federal Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Tiered rates. Quarterly dividends. Automatically renewable at then-current market rates.
Offer: 18 Month Flexible Choice Certificate. Quarterly compounding.
3.46% interest rate · Effective May 1, 2025
Rate checked
More details - Upward Credit UnionSummer Certificate SpecialsCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000intro rateRequirements
Product: Promotional specials available for a limited time.
Promotional rate · 3.45% interest rate · Effective Aug 17, 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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