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 316–330 results
- Balboa Thrift and LoanJumbo Certificates of DepositCD · 18 months · $10,000 min
Bank · Add a location to see nearby branches
4.08%APY$618 over 18 months on $10,000Requirements
Product: No maintenance fees on CDs. Interest compounded daily if added back to certificate; simple interest if paid monthly by check or deposited into savings. 5-day grace period after maturity. Early withdrawal penalty equal to 3 months of interest.
4.00% interest rate · Compounded daily · Effective Oct 2, 2026
Rate checked
More details - 4.08%APY$618 over 18 months on $10,000
Requirements
Product: Federal regulations on CDs require a substantial penalty for early withdrawal. Rates compounded daily. Fees or other conditions could reduce the earnings on the accounts. We reserve the right to change the rates at any time.
4.00% interest rate · Compounded daily · Effective Oct 2, 2026
Rate checked
More details - Financial Plus Credit UnionCertificate SpecialsCD · 18 months · $5,000 min
Credit union · Add a location to see nearby branches
4.08%APY$618 over 18 months on $10,000intro rateRequirements
Product: New Money only brought in from other financials; no existing funds are eligible.
Offer: Minimum $5,000 balance required. New Money only brought in from other financials; no existing funds are eligible.
Promotional rate · 4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Lincoln County Credit UnionShare CertificatesCD · 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: Rates can change daily. A penalty will be imposed for early withdrawal.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - BCFCUCertificate of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.08%APY$618 over 18 months on $10,000intro rateRequirements
Product: Dividends compounded and credited/paid monthly. $1,000 minimum balance required unless specified. Automatically renews on maturity date with a 20-day penalty-free withdrawal grace period. Substantial early withdrawal penalty applies (equal to 90 days dividends for maturity 30 days to 1 year; 180 days dividends for maturity > 1 year). Membership eligibility requirements apply.
Promotional rate · 4.01% interest rate
Rate checked
More details - Cleveland Selfreliance Federal Credit UnionCertificates of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.08%APY$618 over 18 months on $10,000Requirements
Product: Rates subject to change without notice.
4.00% interest rate
Rate checked
More details - Santa Fe Federal Credit UnionCertificates of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$617 over 18 months on $10,0004.00% interest rate · Effective Sep 29, 2026
Rate checked
More details - Valwood Park Federal Credit UnionTerm Share CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.07%APY$617 over 18 months on $10,000Requirements
Product: Minimum opening deposit and balance to maintain is $1,000. Membership includes no monthly service fees. Par value of a share is $25. Daily balance method used to calculate dividends.
Offer: Dividends compounded and credited monthly. Automatic renewal with 10-day grace period. Early withdrawal penalty: 180 days of interest for terms over 1 year.
4.00% interest rate · Effective Jan 1, 2025
Rate checked
More details - Putnam County State BankCertificates of DepositCD · 12–23 months · $500 min · 3.04%–4.33% by balance
Bank · Add a location to see nearby branches
4.07%APYRequirements
Product: Substantial penalties apply for early withdrawals. Interest accrued monthly for optimal yield.
3.00% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $10,000 3.04% $10,000 – $100,000Your amount 4.07% $100,000 and up 4.33% Rate checked
More details - First Flight Credit UnionShare CertificatesCD · 18 months · $10,000 min
Credit union · Add a location to see nearby branches
4.07%APY$617 over 18 months on $10,000Requirements
Product: Minimum deposit to open account is $500 for rate tier 1 and $10,000 for rate tier 2. Membership requires purchasing and maintaining at least 1 share ($25.00 par value) in Primary Savings. Early withdrawal penalties apply.
Offer: Term: 18 Months. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply.
4.00% interest rate
Rate checked
More details - 4.07%APY$617 over 18 months on $10,000
Requirements
Product: Compass Savings Bank will only accept new deposits from local walk-in customers. Penalty may apply for early withdrawal and reduce earnings. The APY assumes interest remains on deposit until maturity, any withdrawals of interest will reduce earnings. FDIC insured. Fees may reduce earnings. Rates subject to change without notice.
4.00% interest rate · Effective Oct 9, 2026
Rate checked
More details - Milestones Federal Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$617 over 18 months on $10,000Requirements
Product: $500.00 minimum balance to open. Automatically renewable. Dividends paid monthly based on average daily balance. Dividends may be added to certificate or deposited to account.
4.00% interest rate · Effective Oct 6, 2026
Rate checked
More details - Directions Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$617 over 18 months on $10,000Requirements
Product: Automatic renewal at maturity. Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - HPC Credit UnionGovernment Certificate of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$617 over 18 months on $10,000Requirements
Product: Account eligibility requirements apply. Minimum balance must be maintained to earn stated APY. Penalty may be imposed for early withdrawal.
Effective Oct 5, 2026
Rate checked
More details - MASSMUTUALShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$617 over 18 months on $10,000intro rateRequirements
Product: $500 minimum deposit to open and earn stated dividend rate and receive Annual Percentage Yield. Early withdrawal penalties apply. Automatic renewal at maturity for 15-Month Promotional into standard 12-Month Share Certificate.
Promotional rate · 4.00% interest rate · Effective Oct 1, 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 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