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 1321–1335 of 3,160 results
- White Sands Federal Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000with conditionsRequirements
Product: Dividends are compounded and fixed for the term. Opening and minimum balance requirement is $1,000. Early withdrawal penalties apply. Rate is variable on new certificates weekly.
Offer: Requires a Platinum or Silver Debit Account
Qualified rate · 3.35% interest rate
Rate checked
More details - Texas Gulf BankCertificates of DepositCD · 18 months · $2,500 min
Bank · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000Requirements
Product: Fixed-rate certificates of deposit. Compounded and credited monthly. Early withdrawal penalty applies.
Offer: 18 Months term.
3.35% interest rate · Effective Oct 5, 2026
Rate checked
More details - Journey Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000Requirements
Product: $500.00 minimum deposit for ALL Certificates except where otherwise disclosed. Early withdrawal penalties: 90 days interest forfeited on 12 months and under; 180 days interest forfeited on 18 and 24 months. 365 days interest forfeited for 36, 48 and 60 months. See disclosure on specific details on individual accounts. Rates and Terms are subject to change at any time.
Offer: Early withdrawal penalty: 180 days interest forfeited on 18 and 24 months.
3.34% interest rate · Effective Oct 5, 2026
Rate checked
More details - Alive Credit UnionCertificates of Deposit - Pulse CertificateCD · 18 months · $100 min
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000Requirements
Product: Open with as little as $100. Make unlimited deposits throughout the term. Certificate automatically renews at rate available at that time. Penalty for early withdrawal.
Offer: Dividends paid monthly. Minimum $100 opening deposit. Unlimited add-on deposits allowed until maturity with no maximum. Automatically renews at rate available at that time. Penalty for early withdrawal.
3.35% interest rate
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More details - Northside Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000Effective Oct 1, 2026
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More details - American Bank & TrustCertificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000Requirements
Product: Fixed interest rate on daily balance until maturity. Interest accrued daily and compounded monthly. Substantial penalty for early withdrawal. Automatically renewable with a 10-day grace period. Special promotions may require different minimum deposits. Check writing not allowed.
3.35% interest rate · Compounded monthly · Effective Oct 2, 2026
Rate checked
More details - AmFirstShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000intro rateRequirements
Product: Available to qualified members only. Federally insured up to $250,000 by NCUA. Minimum deposit of $500. Dividends paid monthly, quarterly, or at maturity. Substantial penalty for early withdrawal. Automatically renews at maturity.
Promotional rate · Effective Oct 4, 2026
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More details - LM Federal Credit UnionRegular Certificate AccountsCD · 18–23 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APYRequirements
Product: Dividends compounded and paid monthly. Early withdrawal penalty applies (3 months dividends for terms < 12 months, 6 months dividends for terms >= 12 months; minimum penalty $10 for withdrawals < $5,000, $20 for >= $5,000). Fixed rate during term. Automatically renewable. Additional deposits not permitted during term except during 7-day grace period after maturity. Monthly interest check available on accounts of $5,000 or greater.
3.35% interest rate · Effective Sep 4, 2026
Rate checked
More details - LM Federal Credit UnionRegular Certificate AccountsCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000Requirements
Product: Dividends compounded and paid monthly. Early withdrawal penalty applies (3 months dividends for terms < 12 months, 6 months dividends for terms >= 12 months; minimum penalty $10 for withdrawals < $5,000, $20 for >= $5,000). Fixed rate during term. Automatically renewable. Additional deposits not permitted during term except during 7-day grace period after maturity. Monthly interest check available on accounts of $5,000 or greater.
Effective Oct 3, 2026
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More details - SELCO Community Credit UnionStandard CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000with conditionsRequirements
Product: Minimum opening balance of $500; additional deposits not allowed. Early withdrawal penalty applies. Consumer certificates automatically renew for another term of the same duration by default with a 10-day grace period. SELCO Rate Guarantee adjusts rate if offering rate increases within 30 days of opening.
Offer: Certificate Reward Tier 1: Requires household 9-month average daily savings balance of $25,000 to $99,999.
Qualified rate · 3.36% interest rate · Effective Oct 3, 2026
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More details - Democracy Federal Credit UnionShare CertificateCD · 18 months · $2,500 min
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000Requirements
Product: Dividends compounded daily, credited quarterly. Penalties may apply for early withdrawals from certificate accounts. Offering rates may change. Fees may reduce earnings on the accounts. Dividends will be forfeited if account is closed before accrued dividends are credited.
3.36% interest rate · Compounded daily
Rate checked
More details - Haven Savings BankCertificates of DepositCD · 18 months · $100 min
Bank · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000Requirements
Product: Available only to residents of the NY Metro area (New York, New Jersey, Connecticut, and Pennsylvania). Interest is compounded continuously and credited monthly. Penalty for early withdrawal of principal. Fees may reduce earnings. 7 calendar days grace period from maturity date.
Offer: Interest is compounded continuously. Penalty for early withdrawal.
3.34% interest rate · Effective Jun 30, 2026
Rate checked
More details - VyStar Credit Union18-Month Step-Up CertificateCD · 18 months · $500 min · 3.40%–3.50% by balance
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000intro rateRequirements
Product: Offers a one-time option during the 18-month term to adjust the dividend rate to the current published 18-month Step-up certificate dividend rate. Additional deposits allowed with minimum deposit of $2,000 or more.
Offer: One-time option to adjust rate during 18-month term; add-on deposits minimum $2,000.
Promotional rate · 3.34% interest rate · Effective Aug 17, 2026
Rate by balance
Rate by balance for 18-Month Step-Up Certificate Balance APY Up to $50,000Your amount 3.40% $50,000 and up 3.50% Rate checked
More details - VyStar Credit UnionPersonal CDCD · 18 months · $500 min · 3.40%–3.50% by balance
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000Requirements
Product: Dividends are compounded monthly and credited monthly. Daily balance method is used. Penalty applies for early principal withdrawals.
3.34% interest rate · Compounded monthly · Effective Aug 17, 2026
Rate by balance
Rate by balance for Personal CD Balance APY Up to $50,000Your amount 3.40% $50,000 and up 3.50% Rate checked
More details - Farmers and Drovers BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000intro rateRequirements
Offer: Interest compounding frequency: Quarterly. Interest availability: Quarterly.
Promotional rate · 3.36% interest rate · Effective Sep 19, 2024
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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