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 136–150 results
- FORUM Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Minimum $500 required to open. Early withdrawal penalties apply. Rates subject to change without notice.
Offer: Early withdrawal penalties apply.
4.16% interest rate · Effective Oct 1, 2026
Rate checked
More details - Energy Credit UnionCertificate of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Must be a member of Energy Credit Union with a Share (Savings) Account to open online via Energy@Home. Interest compounded and paid monthly. Substantial penalty for early withdrawal.
Offer: Interest is compounded and paid monthly. Substantial penalty for early withdrawal.
4.17% interest rate · Effective Oct 12, 2026
Rate checked
More details - Bristol County Savings BankPRIME TIME™ Certificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000with conditionsRequirements
Product: Must maintain a Prime Time Checking account to be eligible for product. An early withdrawal penalty may be imposed. Fees could reduce earnings.
Offer: Must maintain a Prime Time Checking account.
Qualified rate · 4.16% interest rate · Effective Oct 13, 2026
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More details - Greater Alliance Federal Credit UnionShare Certificate AccountCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Membership at credit union requires a savings account with $100 minimum balance to earn interest. $500 minimum deposit required to open. Early withdrawal penalty applies (90 days dividends for term 1 year or less; 180 days dividends for term greater than 1 year). Dividends compounded daily and credited monthly.
4.16% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - Archer Cooperative Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,0004.18% interest rate · Effective Oct 15, 2026
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More details - Class Act Federal Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000intro rateRequirements
Product: Offers include terms from 91 days to 48 months and a 60-month Bump-Up Share Certificate allowing a one-time rate bump-up if rates improve. Rate effective 2026-10-15 and subject to change at any time.
Promotional rate · 4.17% interest rate · Effective Oct 15, 2026
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More details - 4.25%APY$644 over 18 months on $10,000
Requirements
Product: Early withdrawal penalty applies. Interest compounded daily. No monthly maintenance fees.
Offer: All balance tiers.
Compounded daily
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More details - Security National Bank of South DakotaCertificates of Deposit (Dakota Dunes)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: $1,000 minimum deposit to open. Simple interest compounded and credited semiannually for terms of 1 year or longer, or compounded and paid at maturity for terms less than 1 year. Penalty for early withdrawal. Dakota Dunes location.
4.21% interest rate
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More details - Security National Bank of South DakotaTraditional CD (Sioux Falls)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000intro rateRequirements
Product: $1,000 minimum deposit to open. Simple interest compounded and credited semiannually for terms of 1 year or longer, or compounded and paid at maturity for terms less than 1 year. Penalty for early withdrawal. Offer good for initial term only. Rates shown for Sioux Falls location.
Promotional rate · 4.21% interest rate
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More details - Tennessee Valley Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Early withdrawals may incur penalties. No setup or maintenance fees.
Offer: A penalty applies for early withdrawal.
4.18% interest rate
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More details - Pittsford Federal Credit UnionCertificatesCD · 18 months · $50 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Dividends compounded and credited monthly to regular share account. Early withdrawal penalty applies: lesser of dividends since issuance/renewal or 90 days dividends for terms under 24 months; lesser of dividends since issuance/renewal or 180 days dividends for terms 24 months or greater.
4.25% interest rate · Balance cap $89,999.99 · Effective Oct 7, 2026
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More details - Texas Capital BankStar Certificates of Deposit (CDs)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Available for personal accounts only. Interest calculated and accrued daily based on daily balance and paid monthly. Fixed rate through maturity. Early withdrawal penalty may apply. Preferred Pricing rate increases may apply based on combined relationship balances. Deposit of $1,000 required within 10 business days of opening.
Offer: 18 Months term. No minimum balance requirement to obtain APY.
4.16% interest rate · Effective Oct 2, 2026
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More details - Sewickley Savings BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Consumer CDs. Choice of investment certificates (interest compounded and credited annually) or income certificates (interest paid by check or transferred to a Sewickley Savings Bank account monthly, quarterly, semiannually, or annually). Penalty may be imposed for early withdrawal. Minimum deposit $2,500.00 for 91- and 182-day terms and $500.00 for terms of 9 months to 7 years.
Offer: 18 Month term. Penalty may be imposed for early withdrawal.
4.25% interest rate · Effective Oct 6, 2026
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More details - APCI Federal Credit UnionRegular CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: $500 minimum deposit required. Dividends paid or compounded monthly. Automatic renewal available. A penalty may be imposed for withdrawals made before maturity.
Offer: APY assumes dividends remain in account.
4.17% interest rate · Compounded monthly · Effective Oct 1, 2026
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More details - Eagle Community Credit Union18-Month Promo CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000intro rateRequirements
Product: Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties apply.
Offer: Promotional 18-month Certificate. Upon maturity, automatically renews into a standard non-promotional 24-month Certificate.
Promotional rate · 4.17% interest rate · Effective Sep 25, 2026
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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
3,155 CDs at 2,801 banks and credit unions · checked Oct 15–22
- Typical
- 3.24%
- Top 10% from
- 4.07%
- Banks, typical
- 2.89%
- Credit unions, typical
- 3.30%
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Top Carrot institutions
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- Synchrony BankBank