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 1396–1410 of 3,160 results
- First PREMIER BankCertificates of DepositCD · 12–24 months · $500 min
Bank · Add a location to see nearby branches
3.30%APYRequirements
Offer: Must have a Reward Checking Account to be eligible for these rates. A penalty may be imposed for early withdrawal.
3.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - Municipal Credit UnionDeposit Plus Share CertificateCD · 18 months · $250 min
Credit union · Add a location to see nearby branches
3.30%APY$499 over 18 months on $10,000Requirements
Product: Fixed rate. Additional deposits are allowed for the 18-month Deposit Plus Share Certificate.
Offer: Fixed rate. Additional deposits are allowed for the 18-month Deposit Plus Share Certificate.
3.25% interest rate · Effective Oct 23, 2026
Rate checked
More details - Municipal Credit UnionSecured Visa Share CertificateCD · 18 months · $300 min
Credit union · Add a location to see nearby branches
3.30%APY$499 over 18 months on $10,000Requirements
Product: Fixed rate. Additional deposits are allowed for the 18-month Secured Visa Share Certificate.
Offer: Fixed rate. Additional deposits are allowed for the 18-month Secured Visa Share Certificate.
3.25% interest rate · Effective Oct 23, 2026
Rate checked
More details - Michigan Educational Credit UnionShare CertificatesCD · 18 months · $5,000 min
Credit union · Add a location to see nearby branches
3.30%APY$499 over 18 months on $10,000Requirements
Product: Rates are subject to change at any time without notice. Available with a compounding or non-compounding option. Early withdrawal penalty: 3 months and 6 months: all dividends accrued penalty; 1 to 2.5 years: 6 months of dividends accrued penalty; 3-5 years: 9 months of dividends accrued penalty.
Offer: Term: 18 Months. Early withdrawal penalty: 6 months of dividends accrued penalty.
Effective Sep 24, 2026
Rate checked
More details - GTE FinancialShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.30%APY$499 over 18 months on $10,000Requirements
Product: Must be a member of GTE Financial (requires opening and funding a $5 member owner share). No monthly fee. Early withdrawal penalties apply.
3.25% interest rate · Effective Feb 10, 2026
Rate checked
More details - Hoosier Hills Credit UnionCertificatesCD · 18 months
Credit union · Add a location to see nearby branches
3.30%APY$499 over 18 months on $10,000Requirements
Product: A minimum deposit of $500 is required to open all Certificates, excluding Save to Win. Terms range from 91 days to 60 months. Dividends calculated and paid monthly. Penalties for early withdrawal may apply.
Offer: Dividends are calculated monthly and paid monthly. Penalties for early withdrawals may apply.
3.25% interest rate · Effective Oct 22, 2026
Rate checked
More details - Greater Springfield Credit UnionRegular CDsCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$499 over 18 months on $10,000Requirements
Product: Minimum balance $1,000 to earn advertised APY. Early withdrawal penalty: 90 days dividends for maturity ≤ 1 year; 180 days dividends for maturity > 1 year.
3.25% interest rate · Effective Feb 13, 2026
Rate checked
More details - Princeton Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$499 over 18 months on $10,000Requirements
Product: PFCU membership required. Dividends are compounded daily and posted monthly. Early withdrawal penalty is the lesser of 90 days dividends or dividends year-to-date. Fees may reduce earnings.
3.25% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - Generations United Federal Credit UnionGU CertificatesCD · 18 months · $100 min
Credit union · Add a location to see nearby branches
3.30%APY$499 over 18 months on $10,000intro rateRequirements
Product: Minimum opening deposit required as per term tier. Additional deposit not allowed; withdrawals subject to early withdrawal penalties.
Offer: Min deposit $100. Term 18 months.
3.25% interest rate · Effective Oct 29, 2025
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More details - ACCESS Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.30%APY$499 over 18 months on $10,000Requirements
Product: With initial $5.00 deposit into savings account and a one-time Membership Fee of $1.00, eligible for all Access Credit Union products and services. Dividends paid quarterly. Penalties apply for early withdrawals.
Effective Oct 16, 2026
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More details - Juniata Valley BankCertificates of DepositCD · 18–23 months · $1,000 min
Bank · Add a location to see nearby branches
3.30%APY3.26% interest rate · Effective Oct 14, 2026
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More details - Logix Federal Credit UnionRegular CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$499 over 18 months on $10,000with conditionsRequirements
Product: Logix membership required. Rates based on Relationship Rewards tier (Base, Silver, Gold, Platinum). 91-Day to 60-Month terms. $1,000 minimum opening deposit. Dividends earned daily, compounded monthly. Early withdrawal penalty applies.
Offer: Silver Tier APY. 18-Month term.
Qualified rate · Compounded monthly · Effective Oct 16, 2026
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More details - Intandem Credit UnionTerm Share CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.30%APY$499 over 18 months on $10,000Requirements
Product: Membership eligibility requirements apply. Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
3.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - UW Credit UnionRegular CertificateCD · 18 months · $500 min · 3.25%–3.35% by balance
Credit union · Add a location to see nearby branches
3.30%APY$499 over 18 months on $10,000Requirements
Product: Dividends compounded daily and paid quarterly. Substantial penalties apply for premature withdrawal.
3.20% interest rate · Compounded daily · Effective Oct 2, 2026
Rate by balance
Rate by balance for Regular Certificate Balance APY $500 and up 3.25% $10,000 and upYour amount 3.30% $250,000 and up 3.35% Rate checked
More details - Range BankCertificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.30%APY$499 over 18 months on $10,000intro rateRequirements
Product: Certificates may be issued for terms other than listed above. Interest for certificates issued for terms other than listed will be paid at the rate for the nearest lower term. The Annual Percentage Yield on all Time Certificates is figured on a compounding quarterly basis for a 12-month period of time. This yield will fluctuate when compounding at a different interval or for any lesser time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Promotional rate · 3.26% interest rate · Effective Oct 15, 2026
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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
- Quorum Federal Credit UnionCredit union
- Popular DirectBank