Best 18-month CD rates

Requirements

Product: Dividends paid monthly, transferred to designated account, or added to certificate.

Requirements

Product: All rates and yields stated below are accurate as of October 1, 2026 and are subject to change. Fees may reduce earnings and the dividend rate may change after the account is opened. Choose your term from 6 to 60 months, or any month in between. Penalty imposed for early withdrawal.

Requirements

Product: Interest rates set weekly. Automatic renewal convenience. CD rates are fixed upon opening the account. Early withdrawal penalties apply.

Offer: Early withdrawal penalties apply.

Requirements

Product: Rates are fixed unless noted otherwise. Rates are not guaranteed and are subject to change without notice. Penalty for early withdrawal may apply. Rates are published for balance tiers listed. For CD balances of $100,000 and greater, contact the branch.

Offer: Minimum deposit: $500. APY rate requires minimum balance of $10,000.

Requirements

Product: $1,000 minimum investment amount. 30 day–5 year terms available. Fees are assessed on early withdrawals or premature closing.

Offer: CD Special. A minimum deposit of $1,000 is required to receive the promotional rate. Upon maturity, automatically renews into the closest preceding term unless other instructions are provided. Not available for brokered deposits or for non-customers outside market area.

Requirements

Product: No monthly maintenance fee; penalties exist for early withdrawals.

Requirements

Offer: Flex Term Promotion (6-60 Months)

Requirements

Product: Terms from 1-2 years. Washington Trust checking account required. Open in branch or over the phone. No municipal or government funds. Early withdrawal penalties apply.

Offer: Choose a term from 1-2 years. Washington Trust checking account required. Open in branch or on the phone. No municipal or government funds. Early withdrawal penalties apply.

Requirements

Product: Investment Certificates offer competitive rates on all terms and give you the option of selecting the date of maturity. You can lock in a rate on a deposit for a term ranging from 30 days up to 6 years. Your funds are federally insured up to $250,000 by NCUA. Paid dividends can be withdrawn automatically or at your discretion at anytime with no penalty. APY assumes dividends will remain on deposit until maturity.

Offer: Term: 1 to 2 Years (365 to 729 days). Early withdrawal penalty: 90 Days' Dividends.

Requirements

Product: Local deposits only for Oneida, Herkimer, Madison, Otsego Counties. New customer limit $3,000,000. Compounded quarterly (Q). Non-transferable. Early withdrawal penalties apply based on remaining term.

Offer: Under $100,000 tier; 1 year up to 2 years term; compounded quarterly.

Requirements

Product: Fixed rate. Rates and minimum balance may vary by term. Early withdrawal penalties apply.

Offer: Fixed rate. Any withdrawal(s) from the account during the term will be subject to a penalty of 90 days of interest. Fees could reduce earnings.

Requirements

Product: Civic membership required. Fixed-rate account; dividends are compounded monthly and may be paid monthly or rolled back into certificate account at maturity. Early withdrawal penalty applies (6-11 months = forfeiture of 90 days' dividends; 12-60 months = forfeiture of 180 days' dividends).

Requirements

Product: We offer certificates of deposit with maturities ranging from 91 days to 60 months. Penalty may be imposed for early withdrawal. Fees could reduce earnings. $1,000 minimum daily balance to obtain the disclosed annual percentage yield.

Offer: Penalty may be imposed for early withdrawal. Fees could reduce earnings. $1,000 minimum daily balance to obtain disclosed APY.

Requirements

Product: Credit Union membership is required. Minimum deposit of $1,000 to open. Minimum $1,000 balance needed to earn APY. Early withdrawal penalties apply. ALLIANCE Stars & Preferred Partners receive a 0.30% APR bump on standard rates.