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 301–315 results
- SunWest Educational Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Dividends credited monthly. Based on the assumption that dividends/interest will remain on deposit until maturity. Certificate accounts do not allow for additional deposits or withdrawals. Early withdrawal penalties apply and may reduce earnings and principal.
Offer: Dividends credited monthly.
4.03% interest rate · Effective Apr 1, 2026
Rate checked
More details - Coastal Credit UnionCertificatesCD · 18 months · $250 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Fixed rate locked for term. Dividends compound daily. Automatically renews at maturity with a 7-day grace period. Early withdrawal penalty applies. Must maintain membership share in Primary Savings.
Offer: Minimum balance of $250 required to earn stated APY. Fixed rate for 18 months.
4.03% interest rate · Effective Jun 22, 2026
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More details - Freedom Credit UnionTerm Share CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Early withdrawal penalty applies: 90 days of dividends for terms less than 2 years; 180 days of dividends for terms 2 years or more. Dividends credited quarterly. Fees may reduce earnings.
4.04% interest rate · Effective Sep 24, 2026
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More details - TAB BankBank Certificates of Deposit (CDs)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Good on new CDs only. Interest assumes deposit until maturity and monthly compounding; early withdrawal penalty may apply.
Offer: Must maintain minimum balance to earn disclosed APY.
Effective Oct 4, 2026
Rate checked
More details - Elevate Credit UnionTraditional CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: $500 minimum opening deposit. Terms from 6 to 36 months. 18-month term features rate bump. Early withdrawal subject to dividend penalties.
Offer: With rate bump feature.
Effective Sep 17, 2026
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More details - Coast360 Federal Credit UnionTerm SharesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Coast360 membership is required. Must maintain the minimum daily balance in the account each day to obtain the disclosed APY. Dividends credited at maturity. Early withdrawal penalty: forfeit all dividends earned up to date of withdrawal and effectuate account closure. Returned item and early account closure fees apply.
Effective Oct 1, 2026
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More details - Potlatch No 1 Financial Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Available to members who live or work in 19 counties in Idaho, 8 counties in Oregon, and the entire state of Washington. Dividends paid quarterly. APY assumes dividends remain on deposit until maturity. Early withdrawal penalty applies: 90 days' dividends for terms under 1 year and 180 days' dividends for terms 1 year or longer. 10-day grace period at maturity.
Offer: Minimum average daily balance of $500.00 required to obtain APY.
4.04% interest rate · Effective Sep 22, 2026
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More details - Peninsula Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000Requirements
Product: Early withdrawal penalties apply.
Effective Sep 3, 2026
Rate checked
More details - Farmers State BankCertificates of Deposit (CDs)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.10%APY$621 over 18 months on $10,000intro rateRequirements
Product: Standard Term CDs will automatically renew on the maturity date. Unless the original is a CD Special, each renewal term will be the same as the original one. If the original CD term is less than 1 year and not a CD Special, additional deposits can be made. CD specials renew at the closest lower non-CD Special term. Penalties apply for early withdrawal. Fees may reduce earnings.
Offer: 18 Months Special. Limited time offer. Renews at closest lower non-CD Special term.
Promotional rate · 4.04% interest rate · Effective Sep 15, 2026
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More details - 4.09%APY$620 over 18 months on $10,000
Requirements
Product: Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
Offer: Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
4.02% interest rate · Compounded monthly · Effective Oct 13, 2026
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More details - Members Advantage Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.08%APY$618 over 18 months on $10,000Requirements
Product: Dividends compounded monthly. A minimum deposit of $1,000.00 is required.
Offer: Dividends compounded monthly.
Compounded monthly · Effective Oct 1, 2026
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More details - Lincoln Maine FCUShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.08%APY$618 over 18 months on $10,000Requirements
Product: Interest earned may be compounded or transferred to another account. Early withdrawal penalties may apply.
4.00% interest rate · Effective Oct 6, 2026
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More details - Morris Sheppard Texarkana FCUCertificates of DepositCD · 6–24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.08%APY4.00% interest rate
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More details - 4.08%APY$618 over 18 months on $10,000
Requirements
Product: Minimum deposit to open is $1,000. Daily balance method is used to calculate interest. For terms 12 months or less, interest is paid at maturity; for terms greater than 12 months, interest is compounded daily and paid annually.
Compounded daily · Effective Oct 21, 2026
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More details - First State Bank of Beecher CityCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.08%APY$618 over 18 months on $10,000Requirements
Product: Penalty for early withdrawal on above accounts. All interest rates subject to change.
Offer: 18 Month term. Penalty for early withdrawal.
4.00% interest rate · Effective Sep 29, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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