Best 18-month CD rates

Requirements

Product: Fixed dividend rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. Membership eligibility is required. Insured by the NCUA. Withdrawals of principal are subject to early withdrawal penalties.

Offer: Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. Membership eligibility is required.

Requirements

Product: Fixed-rate accounts. Dividends compounded and paid monthly. A penalty will be imposed if funds are withdrawn prior to maturity date. Credit union membership required.

Offer: Single tier. Dividends compounded and paid monthly. Early withdrawal penalty applies.

Requirements

Product: Up to 50% of the Flex Certificate balance may be withdrawn one time over the term of the Certificate with no penalty. Subsequent withdrawals or withdrawals in excess of 50% are subject to early withdrawal penalties. Minimum deposit to open is $100; maximum deposit is $500,000. Additional funds up to the maximum deposit can be added at any time during the term. Automatically renews at maturity to the rate in effect at that time.

Requirements

Product: Daily compounding. Penalties for early withdrawals.

Offer: Early withdrawal penalty of 6 months interest; N/A Bump-Ups

Requirements

Product: Daily Compounding. Penalties for early withdrawals.

Requirements

Product: Promotional consumer CD specials. Must deposit $5,000 or more in new money (not currently on deposit with Peoples Security Bank & Trust). Valid on Pick Your Term CDs opened online or in branch for consumer customers; business customers in-branch only. At maturity, automatically renews into a CD with the same term at the prevailing tiered rate(s). Interest compounded and credited quarterly; APY assumes interest remains on deposit until maturity. Offer may be changed or discontinued at any time. APY current as of 2026-07-01.

Offer: New money of $5,000 or more; consumer online or in-branch. Auto-renews at maturity to same term at prevailing tiered rates.

Requirements

Product: Rates categorized by Family Advantage Tiers (Platinum, Gold, Silver, Bronze) based on household loans, deposits, or investments with Friends and Family Credit Union. Dividends paid quarterly. $1,000 minimum deposit required to open.

Offer: Family Advantage Gold tier.

Requirements

Product: Terms less than 24 months have an early withdrawal penalty of 91 days. Terms 24 months and above have an early withdrawal penalty of 180 days.

Requirements

Product: Dividends are compounded and paid quarterly unless stated otherwise. Membership is established by maintaining $5 in a share/savings account with USFCU. Early withdrawal from certificate subject to penalty. Dividends can be added back to your account, transferred to your credit union account, or check mailed to you each month.

Offer: 18 Month Maturity. All deposit amounts earn the same percentage yield based on the term selected.

Requirements

Product: Penalties may be imposed on early withdrawals. Fees may reduce earnings. Deposits are fully insured by FDIC and DIF. Rates are subject to change without notice.

Requirements

Product: Minimum balance of $0.01 in the account each day to obtain APY. Interest compounded and credited monthly. Early withdrawal penalties apply. No additional deposits until maturity.

Offer: 18 Month Special. New Money Only.

Requirements

Product: Minimum balance to open account and obtain the APY is $500. Rates are subject to change without notice. Fees may reduce earnings. Early withdrawals are subject to penalties. Dividends compounded monthly, credited monthly. Choose from a wide range of terms, from 3 months to 5 years. Membership eligibility required. Special promotional certificate products (7-Month, 12-Month, 18-Month) are not eligible for IRA certificates.

Offer: This limited time offer is for new money only (funds not already on deposit with XCEL nor have been on deposit in any XCEL account over the prior 30 days). Upon maturity, the 18-month certificate will automatically roll into a 12-month Share Certificate at the prevailing rate unless alternate instructions are provided. Membership eligibility required. Not eligible for IRA certificates.

Requirements

Product: Dividends can be withdrawn or added to the certificate. No setup or maintenance fees. All Share Certificates automatically renew at maturity if no action is taken. Save-up option available on 12, 18, 24, and 36 month terms (add in minimum increments of $100). Step-up option available on 24 and 36 month terms (one-time rate change). Early withdrawal penalty applies.

Offer: Dividends Compounded & Paid Quarterly. Penalty will be imposed for early withdrawal. Save-up option available.