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 1–15 of 27 results in Buffalo, NY metro
- 4.44%APY$673 over 18 months on $10,000intro rate
Requirements
Product: Assumes interest will remain on deposit until maturity. Early withdrawal penalties may apply. $500 minimum deposit required to open any CD.
Offer: All deposits to the 18-month CD must be new money. "New money" is defined as funds that are not currently and were not previously on deposit with Lake Shore Bank. Financial institutions, as defined in the sole discretion of Lake Shore Bank, are ineligible depositors for this product.
Promotional rate · 4.34% interest rate · Effective Oct 1, 2026
Rate checked
More details - Encompass Niagara Federal Credit UnionRegular CertificateCD · 18 months · $1,000 min
Credit union · 1 branch
4.18%APY$634 over 18 months on $10,000Requirements
Product: Minimum balance $1000. Rates subject to change without notice.
4.10% interest rate · Effective Sep 1, 2026
Rate checked
More details - Buffalo Conrail Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · 1 branch
3.85%APY$583 over 18 months on $10,000Requirements
Product: Membership eligibility requirements apply. Dividends on certificate accounts are compounded/credited at maturity. Rates subject to change at any time without notice.
Offer: Dividends on certificate accounts are compounded/credited at maturity.
Rate checked
More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
Rate checked
More details - The Summit Federal Credit UnionShare CertificateCD · 18–24 months · $500 min
Credit union · 2 branches
3.80%APYRequirements
Product: Must be a member of The Summit FCU. Share certificate accounts automatically renew at maturity. 7-calendar-day grace period after maturity. Early withdrawal penalty applies (terms of 1 year or less: 90 days dividends; terms of more than 1 year: 180 days dividends).
Offer: 18 and 24 Months term. Penalty applies for early withdrawal.
3.73% interest rate · Effective Nov 5, 2026
Rate checked
More details - Broadview Federal Credit UnionFixed Rate CertificatesCD · 18 months · $500 min
Credit union · 4 branches
3.75%APY$568 over 18 months on $10,000with conditionsRequirements
Product: Broadview Membership is required. Dividends accrue daily and are paid the last day of the month. Minimum balance to open and obtain APY is $500 ($100 for 12-month add-on certificate).
Qualified rate · 3.68% interest rate · Effective Oct 16, 2026
Rate checked
More details - Cattaraugus County BankCertificate of DepositCD · 18 months · $1,000 min · 3.50%–3.80% by balance
Bank · 1 branch
3.60%APY$545 over 18 months on $10,000intro rateRequirements
Product: Available in terms from 6 months to 4 years. Early withdrawal penalties apply. Fixed rates during length of term. CD Specials automatically renew into standard CDs at maturity.
Offer: 18 Month CD Special. Limited time offer. At maturity renews into standard CD of same term. Penalty for early withdrawal.
Promotional rate · 3.44% interest rate · Effective Oct 26, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $10,000 3.50% $10,000 – $50,000Your amount 3.60% $50,000 – $100,000 3.70% $100,000 – $250,000 3.80% Rate checked
More details - 3.55%APY$537 over 18 months on $10,000
Requirements
Product: Penalties for early withdrawal.
3.50% interest rate · Effective Oct 28, 2026
Rate checked
More details - Cadets Federal Credit UnionShare CertificateCD · 18 months · $1,000 min · 3.55%–3.80% by balance
Credit union · 2 branches
3.55%APY$537 over 18 months on $10,000Requirements
Product: Dividends are calculated using average daily balance and are paid quarterly. Early withdrawal penalties apply (4 months for 12-18 month terms, 6 months for 2 year terms, 9 months for 3-5 year terms).
Offer: 4-Month Penalty for Early Withdrawal. Dividends calculated using average daily balance and paid quarterly.
3.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $50,000Your amount 3.55% $50,000 – $99,999 3.68% $100,000 – $250,000 3.80% Rate checked
More details - 3.51%APY$531 over 18 months on $10,000intro rate
Requirements
Product: Traditional CDs designed to be a low-risk, fixed interest rate account with a set maturity date. Flexible terms ranging from 3 months to 10 years, low minimum deposit requirements, flexible interest payment options, and automatic renewals. Interest is calculated on the daily ledger balance and compounded & credited quarterly. Early withdrawal penalties apply, and fees may reduce earnings.
Offer: Special offer accurate as of September 18, 2026. Fixed interest rate of 3.46% (3.51% APY). $5,000 minimum balance required to open the account and obtain advertised APY. Cannot be combined with any other offers. Auto-renews at 12-month term at current rate. Penalties apply for early withdrawal.
Promotional rate · 3.46% interest rate
Rate checked
More details - Cornerstone Community Federal Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · 7 branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Minimum balance to open certificate and earn APY is $500. Early withdrawal penalties apply. Fees may reduce earnings. For terms of 2 years or more under Unlock with the Rock, the early withdrawal penalty is the smaller of dividends since issuance/renewal or 30 days dividends.
Offer: 18 month certificate term.
3.44% interest rate · Effective Nov 3, 2026
Rate checked
More details - CrossRoads Community Federal Credit UnionTerm Share CertificateCD · 18 months · $1,000 min
Credit union · 1 branch
3.50%APY$530 over 18 months on $10,000Requirements
Product: Dividends are compounded and credited to account quarterly. APY assumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal. Rates may change daily due to market conditions.
3.45% interest rate · Effective Feb 27, 2026
Rate checked
More details - Griffith Institute Employees Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · 1 branch
3.30%APY$499 over 18 months on $10,000intro rateRequirements
Product: Must be an employee of Griffith Institute or eligible family member (spouse, child, parent) and purchase a $5.00 share plus pay a one-time $1.00 fee to maintain membership. Minimum opening deposit of $1,000.00.
Offer: Certificate special
Promotional rate · 3.25% interest rate
Rate checked
More details - 3.19%APY$482 over 18 months on $10,000
Requirements
Product: Certificates of Deposit carry a penalty for early withdrawal. Minimum deposit/balance is $500. Fixed rates.
Offer: Certificates of Deposit carry a penalty for early withdrawal.
3.15% interest rate · Effective Jun 5, 2026
Rate checked
More details - 3.00%APY$453 over 18 months on $10,000
Requirements
Product: Penalty for early withdrawal. Fixed term ranging from 6 months to 5 years.
3.00% interest rate · Effective Oct 19, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 18-month CDs pay in Buffalo, NY metro
27 CDs at 25 banks and credit unions · checked Oct 16–Nov 7
- Typical
- 3.19%
- Top 10% from
- 3.85%
- Banks, typical
- 1.13%
- Credit unions, typical
- 3.30%
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Buffalo, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- SJP Federal Credit UnionCredit union · 1 branch
- Ontario Shores FCUCredit union · 4 branches
- Greater Woodlawn FCUCredit union · 1 branch