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 1291–1305 of 3,160 results
- DuGood Federal Credit UnionCertificateCD · 18 months · $1,000 min · 3.45%–3.56% by balance
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Any fee incurred could reduce earnings. Membership eligibility required.
Offer: Early withdrawal penalties may apply. Any fee incurred could reduce earnings.
3.40% interest rate · Effective Feb 18, 2026
Rate by balance
Rate by balance for Certificate Balance APY $1,000 and upYour amount 3.45% $50,000 and up 3.51% $100,000 and up 3.56% Rate checked
More details - Community First Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: Certificate rates remain fixed for term. Dividends credited and compounded monthly. Insured by NCUA up to $250,000. Early withdrawal penalties apply.
3.40% interest rate · Compounded monthly
Rate checked
More details - Gulf Coast Educators Federal Credit UnionTerm Share CertificateCD · 18 months · $100 min
Credit union · Add a location to see nearby branches
3.44%APY$520 over 18 months on $10,000Requirements
Product: Fixed rate share certificates with terms from 3 months to 5 years. Compounded and credited quarterly. Additional deposits allowed with no limit.
Offer: 18 month term.
3.40% interest rate · Effective Mar 24, 2026
Rate checked
More details - Adams State BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.44%APY$520 over 18 months on $10,000Requirements
Product: Minimum balance above is to open: No minimum balance required to earn interest. Substantial penalty for early withdrawal of certificates.
3.40% interest rate · Effective Oct 13, 2026
Rate checked
More details - Listerhill Credit UnionStandard CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.44%APY$520 over 18 months on $10,000Requirements
Product: Assumes dividends remain on deposit until maturity. A Share Savings account is required. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings. Raise-My-Rate option and anytime deposit of $500 or more available.
3.40% interest rate · Effective Oct 9, 2026
Rate checked
More details - Tecumseh Federal BankCertificates of DepositCD · 18 months · $500 min · 3.03%–3.44% by balance
Bank · Add a location to see nearby branches
3.44%APY$520 over 18 months on $10,000Requirements
Product: Personal funds only; available only to residents of Nebraska. Out-of-state funds are not accepted. Fee/penalty may be imposed for early withdrawal.
Offer: 18 Month term. Annual percentage yield assumes interest remains on deposit until maturity.
3.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 and up 3.03% $10,000 and upYour amount 3.44% Rate checked
More details - First Federal Savings Bank18-Month Flexible Certificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.44%APY$520 over 18 months on $10,000Requirements
Product: Make additional deposits of $100 or more anytime without extending maturity date. Penalty for early withdrawal except credited interest.
3.40% interest rate · Effective Feb 9, 2026
Rate checked
More details - Burlington Northtown Community Credit UnionCertificate of DepositCD · 18 months
Credit union · Add a location to see nearby branches
3.44%APY$520 over 18 months on $10,0003.40% interest rate
Rate checked
More details - Carver Federal Savings BankHI-Rise CDCD · 18 months · $2,500 min
Bank · Add a location to see nearby branches
3.43%APY$519 over 18 months on $10,000Requirements
Product: Early withdrawal penalty may apply. Automatically renews at term end with a 7-day grace period. No monthly maintenance fees.
3.38% interest rate
Rate checked
More details - Central State BankCertificates of DepositCD · 18 months · $1,500 min
Bank · Add a location to see nearby branches
3.43%APY$519 over 18 months on $10,000intro rateRequirements
Product: Early withdrawal penalty fees may apply on Certificates of Deposits 6 to 60 months. No maintenance fees. Accounts automatically renew.
Promotional rate · 3.40% interest rate · Effective Sep 28, 2026
Rate checked
More details - Farmers & Merchants Union BankEveryday Certificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.43%APY$519 over 18 months on $10,000Requirements
Product: Upon maturity, 10 calendar days grace period to withdraw funds or CD automatically renews. Early withdrawal penalties and other fees may apply.
Offer: Daily balance method to obtain APY.
3.40% interest rate · Effective Sep 29, 2026
Rate checked
More details - Bank of Star ValleyCertificates of DepositCD · 18 months · $250 min
Bank · Add a location to see nearby branches
3.42%APY$517 over 18 months on $10,000Requirements
Product: Early withdrawal penalties apply.
Offer: Variable rate at 50% of Wall Street Journal Prime. Interest based on daily collected balance. Must have open transaction account. Early withdrawal penalty may apply.
3.38% interest rate
Rate checked
More details - United Community BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.41%APY$516 over 18 months on $10,000Requirements
Product: CDs opened online have a maximum deposit limit of $500,000. Interest on CDs 12 months or less paid at maturity; longer than 12 months paid annually. Penalty for early withdrawal will apply. Automatic renewal.
Offer: $1,000 minimum deposit required to open and earn stated APY. Max online deposit $500,000. Interest paid annually.
Effective Oct 1, 2026
Rate checked
More details - Big Horn Federal Savings18 month CDCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.41%APY$515 over 18 months on $10,000Requirements
Offer: Entire Balance
3.35% interest rate · Effective Oct 19, 2026
Rate checked
More details - Missouri Central Credit UnionShare CertificatesCD · 18 months · $500 min · 3.31%–3.41% by balance
Credit union · Add a location to see nearby branches
3.41%APY$515 over 18 months on $10,000Requirements
Product: Interest is paid quarterly on the average daily balance. Penalty for early withdrawal. Rates subject to change weekly. May be used as collateral for a loan.
Offer: Interest is paid quarterly. Rates are subject to change weekly. Penalty for early withdrawal will decrease the yield.
Effective Jul 28, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $10,000 3.31% $10,000 and upYour amount 3.41% 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%
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