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 1156–1170 of 3,160 results
- Volt Credit UnionShare Certificates (CD)CD · 18 months
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000intro rateRequirements
Product: Membership condition requires purchasing and maintaining at least 1 share in a Primary Share account (par value $5.00). Early withdrawal penalties apply based on term length (3 months: 30 days' dividends; 6 months: 60 days' dividends; 9 months: 90 days' dividends; 12 months or greater: 120 days' dividends). Partial withdrawals are not allowed. 10-day grace period after maturity for auto-renewals.
Offer: 18 Month Promo
Promotional rate · 3.43% interest rate · Effective Oct 16, 2026
Rate checked
More details - Ideal Credit UnionRegular 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: Interest is compounded and credited on a monthly basis. Penalty for early withdrawal.
Effective Oct 16, 2026
Rate checked
More details - Bank of LuxemburgCertificates of Deposit (CD)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000intro rateRequirements
Product: Start earning interest with a low minimum balance of $1,000.00. Early withdrawals may incur a penalty. Interest can be reinvested into the CD or credited directly to checking or savings account.
Offer: CD Special; rates not available for online account opening, contact local branch.
Promotional rate · 3.44% interest rate · Effective Oct 14, 2026
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More details - PCM Credit UnionShare CertificatesCD · 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: $500 minimum deposit to open (unless specified in another term or special). Additional deposits of at least $100 can be made on certificates with a term of 1 year or less and on our 13-month Flex Special. Dividends are earned and posted monthly. All certificates will automatically renew at maturity. Early withdrawal penalty: 90 days of dividends for terms 1 year or less; 180 days of dividends for terms over 1 year (no penalty for 13-month Flex Special). Dividends are available for withdrawal at any time. Specials are offered for a limited time only and may end at any time without prior notice.
Offer: Early withdrawal penalty: 180 days of dividends.
Promotional rate · 3.45% interest rate · Effective Sep 28, 2026
Rate checked
More details - Farmers & Merchants State BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000intro rateRequirements
Product: Early withdrawal of funds is subject to penalty. Rate is based on term length.
Offer: Compounded annually.
Promotional rate · 3.49% interest rate · Compounded annually
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More details - American 1 Credit UnionShare 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: Non-compounding; payout of dividends is mandatory (monthly, quarterly, semi-annually, or annually). Calculated by daily balance method. Penalty for early withdrawal may apply. Fees may reduce earnings.
Offer: Early withdrawal penalty may apply. Non-compounding.
3.50% interest rate · Effective Oct 15, 2026
Rate checked
More details - Northpointe 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: CD terms available between 7 days - 60 months. Early withdrawal penalties may be imposed. Fees could reduce earnings. Subject to Northpointe Bank approval.
3.45% interest rate · Effective Oct 15, 2026
Rate checked
More details - CommunityAmerica 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: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.
3.44% interest rate · Effective Oct 15, 2026
Rate checked
More details - Citizens Savings BankCertificates of DepositCD · 18 months · $2,500 min
Bank · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Early withdrawal penalty applies. Daily balance required for rate qualification.
Offer: Early withdrawal penalty applies. Minimum opening deposit $2500.
3.50% interest rate · Effective Oct 6, 2026
Rate checked
More details - Garrett State 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: Certificate terms from 91 days to 60 months. Fixed rates and rate bump options available. Early withdrawal penalty may apply.
Offer: 18 Month - Special. Early withdrawal penalty may be imposed. Must have Garrett State Bank deposit account with a direct deposit.
3.45% interest rate
Rate checked
More details - Workers Credit UnionCertificates of Deposit (CDs)CD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Workers Federal Credit Union membership required ($5 minimum balance). Fixed rate paid until first maturity. For terms less than 12 months, simple interest paid at maturity; for terms 12 months or more, dividends compounded daily and paid monthly based on daily balance method. Automatically renews at maturity into the same term. Substantial early withdrawal penalties apply (25% of dividends for remaining term if 18 months or less; 50% of dividends for remaining term if greater than 18 months). Additional deposits not permitted during term.
Offer: Tier 1 ($500–$24,999.99). Dividends compounded daily and paid monthly.
3.45% interest rate · Compounded daily · Effective Oct 15, 2026
Rate checked
More details - ACCESSbankCertificate of DepositCD · 18–23 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APYintro rateRequirements
Product: Interest paid quarterly and at maturity. Early withdrawal penalty may apply. Automatic rollovers and reminders before maturity provided.
Offer: Interest paid quarterly and at maturity.
Promotional rate · 3.46% interest rate
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More details - Rio Grande Federal Credit UnionCertificate of DepositCD · 18 months · $500 min · 1.90%–3.50% by balance
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Annual Percentage Yield calculation based on quarterly compounding. Dividends paid quarterly, early withdrawal penalties apply to all certificates. Minimum deposit to open and to maintain to earn interest is $500.00. Rates are subject to change without notice.
1.89% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 1.90% $10,000 and upYour amount 3.50% Rate checked
More details - Aurora Federal Credit UnionJumbo CertificatesCD · 18 months · $10,000 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Minimum opening deposit / balance of $10,000 required. Penalty may be imposed for early withdrawal.
Offer: Penalty may be imposed for early withdrawal.
3.45% interest rate · Effective Sep 2, 2026
Rate checked
More details - Peninsula Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Rates fixed for the term of certificate (excluding bump rate). Minimum opening balance is $500, or $100 for members 0-23 years of age. Dividends compounded and credited quarterly.
Offer: Minimum balance $500 ($100 for members 0-23 years of age).
3.46% interest rate · Effective Sep 1, 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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