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 256–270 results
- Triangle Credit UnionTraditional CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000intro rateRequirements
Product: Minimum balance of $1,000. No additional deposits allowed during the term of the Certificate. Early withdrawal penalty applies (3 months dividends for terms 12 months or less, 6 months dividends for terms greater than 12 months). A 10-day grace period after maturity applies. Must maintain membership savings balance of $25.
Offer: Special Certificate. Available for a limited time. No additional deposits allowed during the term of the Certificate. Early withdrawal penalty equals 6 months dividends.
Promotional rate · 4.07% interest rate
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More details - Oak View National BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000intro rateRequirements
Product: Early withdrawal of principal may incur a penalty. Partial withdrawals available; interest may be withdrawn without penalty. Automatically renews upon maturity with a 10-day grace period.
Offer: Limited-time offer. Minimum balance to open and earn the APY is $1,000. Penalty may apply for early withdrawal.
Promotional rate · Effective Aug 25, 2026
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More details - Chiphone Federal Credit UnionCertificates of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly to certificate or savings account. Substantial penalty for early withdrawal. May be assessed an Annual Fee, Transfer Fee, and Termination Fee.
4.07% interest rate · Compounded daily · Effective Sep 24, 2024
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More details - TrailNorth Federal Credit UnionTrailblazer Share CertificateCD · 18 months · $100 min
Credit union · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000Requirements
Product: Designed for first-time savers.
4.09% interest rate · Effective Aug 1, 2025
Rate checked
More details - Southern FCUCertificates of DepositCD · 18 months · $1,000 min · 4.15%–4.25% by balance
Credit union · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000Requirements
Product: Minimum opening balance is $1,000.00. Early withdrawal penalty may apply. Dividends paid monthly. Interest compounds monthly.
Offer: Under $75,000 in Total Shares
Effective May 8, 2025
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $75,000Your amount 4.15% $75,000 and upOver $75,000 in Total Shares - Platinum Bump Up 4.25% Rate checked
More details - Atkins Savings Bank & TrustAdjust-A-Rate CDCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.14%APY$627 over 18 months on $10,000Requirements
Product: Option during the first term (18 month term to 60 month term) to exchange interest rate for a new rate offering on any other time deposit of equal term to maturity at no cost; maturity date remains the same; exchange option exercisable once during each maturity. Subject to penalty for early withdrawal on Certificate of Deposits.
Offer: Minimum balance to open and obtain APY is $1,000.
4.10% interest rate · Effective Aug 26, 2026
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More details - City National BankCertificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.13%APY$626 over 18 months on $10,000Requirements
Product: An additional 0.10% may be added to stated Certificate of Deposit (CD) interest rate for primary or joint owners of a City Preferred checking account at the time the CD is issued or automatically renews (does not apply to IRAs). Interest compounding monthly available for terms of 18 months or longer; non-compounding options available. Penalty for early withdrawal.
Offer: FIXED RATE - Compounding Monthly. Term 18 months.
4.05% interest rate
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More details - Central Maine FCUFixed-Rate Share CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.13%APY$626 over 18 months on $10,000with conditionsRequirements
Product: Membership requires a $10.00 membership share account ($25 stated on product overview). Rate premium of 10 basis points available if balance at opening is $250,000 or greater (or for Member's Choice program); maximum combined rate premium up to 20 basis points. Early withdrawal penalty applies.
Qualified rate · 4.05% interest rate · Effective Oct 1, 2026
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More details - Self Reliance Financial Federal Credit UnionCertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.13%APY$626 over 18 months on $10,000Requirements
Product: Must be a member of SRFFCU. Rate is fixed for the term. APY assumes dividends remain on deposit until maturity. A minimum balance of $500 is required to open a Certificate and earn the advertised dividend rate. Renewal at maturity at then-current rate. Penalty may be imposed for early withdrawal of principal. Fees may reduce earnings.
Offer: Early withdrawal penalty: 3 month interest (90 days' dividends).
4.05% interest rate · Effective Oct 16, 2026
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More details - Winthrop Area Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.13%APY$626 over 18 months on $10,0004.05% interest rate · Effective Oct 2, 2026
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More details - Shrewsbury Federal Credit UnionRegular Share CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.13%APY$625 over 18 months on $10,000Requirements
Product: Membership eligibility requires living, working, worshipping, or attending school in Berlin, Boylston, Clinton, Grafton, Holden, Millbury, Northborough, Shrewsbury, Sterling, Westborough, West Boylston, or Worcester, and opening a $5 savings/share account. Dividends are credited monthly and can be compounded, transferred, or issued as a check. Automatic renewal at maturity. Early withdrawal penalty of 6 months dividends.
4.05% interest rate · Effective Oct 5, 2026
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More details - Unico BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.12%APY$624 over 18 months on $10,000Requirements
Product: Fixed interest rates for guaranteed returns. Terms range from 91 days to 60 months. No setup or maintenance fees. Interest paid monthly if compounded, deposited to a Unico Bank checking/savings account, or paid via ACH; paid quarterly if paid via check. Automatically renews at maturity unless requested otherwise at opening. Early withdrawal penalty applies.
Offer: 18 Month term. Early withdrawal penalty applies.
4.05% interest rate · Effective Sep 17, 2026
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More details - Keen Bank, N.ACertificates of DepositCD · 18 months · $2,000 min
Bank · Add a location to see nearby branches
4.11%APY$623 over 18 months on $10,000Requirements
Product: Rates and terms subject to change without notice. A penalty may be imposed for early CD withdrawals. At maturity, the certificate will automatically renew at the same term for the current rate being offered at the time of renewal. 10-day grace period to withdraw or transfer funds after maturity without penalty.
4.10% interest rate · Effective Oct 6, 2026
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More details - Security First BankTraditional Time Deposit AccountsCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.11%APY$623 over 18 months on $10,000Requirements
Offer: Interest cannot remain on deposit; payout of interest is mandatory. Early withdrawal penalty applies.
Effective Oct 5, 2026
Rate checked
More details - First Utah BankPromotional CDCD · 12–23 months · $500 min
Bank · Add a location to see nearby branches
4.10%APYRequirements
Product: A penalty may be applied for early withdrawal.
Offer: A penalty may be applied for early withdrawal.
4.04% interest rate · Effective Oct 20, 2026
Rate checked
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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
3,156 CDs at 2,800 banks and credit unions · checked Oct 16–23
- Typical
- 3.24%
- Top 10% from
- 4.08%
- Banks, typical
- 2.90%
- 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
- Synchrony BankBank