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 31 results in Lancaster, PA metro
- Jonestown Bank & Trust Co.Certificates of Deposit (18 to 24 Months)CD · 18–24 months · $1,000 min
Bank · 3 branches
4.25%APYintro rateRequirements
Product: Promotional certificate with terms from 18 to 24 months. Automatically renews to the closest shorter standard CD term offered by the Bank (18 or 24 months) at the rate in effect at renewal. Early withdrawal penalty applies; fees may reduce earnings. Not good in conjunction with any other offer.
Offer: Available for terms from 18 to 24 months. Automatically renews to closest shorter standard CD term (18 or 24 months) at rate in effect at renewal. Penalty for early withdrawal; fees may reduce earnings.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.05%APY$614 over 18 months on $10,000
Effective Oct 16, 2026
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More details - 4.00%APY$606 over 18 months on $10,000intro rate
Requirements
Product: Promotional consumer CD specials. Must deposit $5,000 or more in new money (not currently on deposit with Peoples Security Bank & Trust). Valid on Pick Your Term CDs opened online or in branch for consumer customers; business customers in-branch only. At maturity, automatically renews into a CD with the same term at the prevailing tiered rate(s). Interest compounded and credited quarterly; APY assumes interest remains on deposit until maturity. Offer may be changed or discontinued at any time. APY current as of 2026-07-01.
Offer: New money of $5,000 or more; consumer online or in-branch. Auto-renews at maturity to same term at prevailing tiered rates.
Promotional rate · 3.94% interest rate · Effective Jul 1, 2026
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More details - 4.00%APY$606 over 18 months on $10,000
Requirements
Product: Maximum deposit amount of $250,000 when opened online. Maximum deposit amount of $500,000 when opened in branch. Available for amounts up to $500,000. Automatically renews into same term CD and rate offered at time of maturity. Penalty for early withdrawals.
Balance cap $500,000 · Effective Oct 12, 2026
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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
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More details - 3.65%APY$552 over 18 months on $10,000
Requirements
Product: Rates shown for ZIP code 17061 (Central PA). Annual Percentage Yields (APY) based on semi-annual compounding. Substantial penalty for early withdrawal. $500 minimum balance, $50,000 maximum balance when opening online (visit a branch for amounts over $50,000). Terms from 60 months to 10 years available when opened in a financial center. Automatically renews upon maturity.
Offer: APY based on semi-annual compounding. Substantial penalty for early withdrawal.
3.62% interest rate · Effective Oct 20, 2026
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More details - 3.65%APY$552 over 18 months on $10,000
Requirements
Product: Minimum deposit to open and earn standard APY is $500. New Money Required for 8-, 20-, and 32-month terms (Maximum deposit $1 Million per member; Offer not available for public funds). No deposits permitted after establishment. Automatically renews at maturity with a 10-calendar-day grace period. Early withdrawal penalty applies. $10 closing service fee (if applicable).
3.59% interest rate
Rate checked
More details - First Citizens Community BankCertificates of Deposit (CDs)CD · 12–23 months · $10,000 min · 3.55%–4.06% by balance
Bank · 3 branches
3.55%APYRequirements
Product: A penalty may be imposed for early withdrawal. A withdrawal will reduce earnings. Interest compounded quarterly.
3.50% interest rate · Compounded quarterly · Effective Oct 27, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $10,000 – $24,999Your amount 3.55% $100,000 and up 4.06% Rate checked
More details - 3.25%APY$491 over 18 months on $10,000
Requirements
Product: Must be a member of Everence Federal Credit Union. Compounding quarterly. Penalty for early withdrawal: $25, plus 1/2 of total dividends equal to original term of certificate, whether earned or not. Auto-renews at maturity for the same term at the then-current rate with a 10-day grace period.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 3.25% $100,000 and up 3.30% Rate checked
More details - 3.25%APY$491 over 18 months on $10,000
3.20% interest rate
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More details - Belco Community Credit UnionCertificate AccountCD · 18 months · $500 min · 2.70%–2.85% by balance
Credit union · 3 branches
2.75%APY$415 over 18 months on $10,000Requirements
Product: Terms from 3 to 60 months. Most certificates (12–60 months) require a $500 minimum opening deposit and minimum balance; 3-, 6-, and 9-month terms require $1,000. Listed yields available if dividends are paid back to the certificate monthly. Early withdrawal penalty may reduce earnings. No annual fee. Balance tiers of $10K, $50K, and $75K earn higher rates.
Offer: Standard Certificate Account 18 Month tier.
2.67% interest rate · Effective Oct 30, 2026
Rate by balance
Rate by balance for Certificate Account Balance APY $500 and up 2.70% $10,000 and upYour amount 2.75% $50,000 and up 2.80% $75,000 and up 2.85% Rate checked
More details - 2.58%APY
Requirements
Product: Fixed rate for term. Minimum opening deposit $500. Early withdrawal penalty may apply. Automatic renewal at maturity. No additional deposits or principal withdrawals permitted during term. Fees may apply and could reduce earnings.
2.55% interest rate · Effective Oct 26, 2026
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More details - 2.00%APY$301 over 18 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 1.98% interest rate · Effective Oct 16, 2026
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More details - 1.66%APY$250 over 18 months on $10,000
Requirements
Product: 18 Month Add On Certificate. Additional deposits allowed. Dividends paid back monthly. Early withdrawal penalty applies.
Offer: 18 Month Add On Certificate. Additional deposits allowed.
1.65% interest rate · Effective Oct 30, 2026
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More details - 1.66%APY$250 over 18 months on $10,000
Requirements
Product: Let you increase your rate during the term. $500 minimum opening deposit and minimum balance. Dividends paid back monthly. Early withdrawal penalty applies.
Offer: 18 Month Bump Up Certificate.
1.65% interest rate · Effective Oct 30, 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 in Lancaster, PA metro
31 CDs at 25 banks and credit unions · checked Oct 22–30
- Typical
- 1.60%
- Top 10% from
- 4.00%
- Banks, typical
- 1.50%
- Credit unions, typical
- 1.66%
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Lancaster, PA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Citadel Credit UnionCredit union · 2 branches
- EverenceCredit union · 5 branches
- Finanta Credit UnionCredit union · 1 branch