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 361–375 results
- Knoxville TVA Employees Credit UnionCertificate AccountsCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Paper statement fee $2.00/month unless enrolled in eStatements. Early withdrawal penalty: 90 days dividends for terms 17 months or less; 180 days for 18 months or more. Add 0.25% APY to dividend rate for $10,000+ new money OR direct deposit. Not applicable to 12-month term.
3.98% interest rate · $2 monthly fee · Effective Oct 22, 2026
Rate checked
More details - City National BankCertificate of DepositCD · 18–23 months · $500 min
Bank · Add a location to see nearby branches
4.05%APYRequirements
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: Non-Compounding. Term 18 - 23 months.
4.05% interest rate
Rate checked
More details - First Community Credit UnionRegular Certificate of DepositCD · 18 months · $500 min · 4.05%–4.10% by balance
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Minimum opening deposit $500. Membership eligibility applies.
Offer: For balances < $100K.
Rate by balance
Rate by balance for Regular Certificate of Deposit Balance APY Up to $100,000Your amount 4.05% $100,000 and upFor balances > $100K. 4.10% Rate checked
More details - 4.05%APY$614 over 18 months on $10,000
Effective Oct 16, 2026
Rate checked
More details - Commstar Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Fixed interest rate for the term of the certificate. No risk method of earning interest.
Effective Oct 5, 2026
Rate checked
More details - First Security State BankCD SpecialsCD · 18 months · $5,000 min
Bank · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Early withdrawal penalty may apply. APY assumes interest remains on deposit until maturity and withdrawals reduce earnings.
3.99% interest rate · Effective Sep 16, 2026
Rate checked
More details - Seattle BankCertificates of Deposit (CD)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Available nationwide. Fixed, predictable returns. Terms range from 3 months to 5 years (60 months). Interest compounded daily, paid quarterly. Penalty assessed for early withdrawal (90 days interest for terms <= 12 months, 180 days interest for terms > 12 months). No setup or service fees.
Offer: At maturity, the account will auto-renew to a regular twelve (12) month CD and all subsequent renewals will also be twelve (12) months. All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings.
Compounded daily
Rate checked
More details - Jordan Credit UnionCertificate AccountCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Early withdrawals from Certificate Accounts are subject to fees and penalties that may reduce the earnings or the principal of the Certificate. Dividends are paid monthly. Membership eligibility required.
3.98% interest rate · Effective Oct 1, 2026
Rate checked
More details - Greater Nevada Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Fixed rate for the term. Dividends credited and compounded monthly unless otherwise paid. Non-compounding Certificates available at reduced rates and APYs. Penalty for early withdrawal.
3.98% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - NCPA Federal Credit UnionShare Term Certificate (STC)CD · 18 months · $250 min
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Fixed dividend rate for the term of the certificate. Dividends accrue daily, but are not compounded. Funds may be used as collateral for NCPAFCU loans. Early withdrawal penalties may reduce earnings.
4.05% interest rate · Effective Oct 8, 2026
Rate checked
More details - Cherokee State BankCDs (Certificates of Deposit)CD · 18 months · $10,000 min
Bank · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: No maintenance fees. FDIC insured fixed rates. Penalties apply for early withdrawal. Minimum balances vary based on term. Renews automatically at interest rate in effect at time of maturity, with 10 days to redeem before locked in. Promotional CDs excluded from standard renewal terms.
Offer: 18 month special. After maturity, rolls into the 18-month term earning rate in effect at that time. Not valid with any other promotional offers.
3.99% interest rate · Effective Aug 3, 2026
Rate checked
More details - Bridge Credit UnionStandard CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Offer: To receive ConnectMORE APY, member must be in the ConnectMORE Royal Rewards program.
Rate checked
More details - Co-op Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Interest is paid monthly. Penalty for early withdrawal. Withdrawal of interest will reduce earnings.
3.98% interest rate · Effective Sep 29, 2026
Rate checked
More details - Citizens State Bank of LoyalCertificate Of DepositsCD · 18 months · $1,000 min · 3.05%–4.15% by balance
Bank · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: APY calculated using monthly compounding. Penalty for early withdrawal.
Offer: Monthly compounding. Penalty for early withdrawal.
3.01% interest rate
Rate by balance
Rate by balance for Certificate Of Deposits Balance APY $1,000 – $10,000 3.05% $10,000 – $50,000Your amount 4.05% $50,000 – $100,000 4.15% $100,000 and up 4.15% Rate checked
More details - ANECA Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: Rates fixed upon opening. Early withdrawal penalties apply. $1,000 minimum deposit.
3.98% interest rate · Effective Sep 23, 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
3,153 CDs at 2,794 banks and credit unions · checked Oct 22–23
- Typical
- 3.25%
- Top 10% from
- 4.10%
- 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