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 451–465 results
- IH Mississippi Valley Credit UnionCDsCD · 18 months · $250 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: $250 deposit required to open this account. $250 min. average daily balance required to earn dividends. There may be a penalty for early withdrawal. Dividends compounded monthly. Insured up to $250,000 by NCUA.
3.93% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Rize Credit UnionTraditional CertificateCD · 18 months
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Early withdrawal subject to penalty on all Certificates and could reduce the earnings on the account.
Offer: Early withdrawal subject to penalty.
3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - Bank of MagnoliaCertificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Compounded monthly. Penalty for early withdrawal. Service fees or penalties charged against the account may reduce earnings. Rates subject to change.
Offer: Compounded monthly.
3.93% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - Superior Credit UnionRegular Share CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Minimum balance to open share certificate is $1,000.00. Dividends compounded quarterly. 90-day penalty for early withdrawal for terms 3-12 months; 180-day penalty for terms 18-60 months.
Offer: Dividends compounded quarterly. 180-day penalty for early withdrawal.
3.94% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - St. Pius Federal Credit UnionShare CertificatesCD · 18 months · $500 min · 4.00%–4.10% by balance
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Membership subject to eligibility.
3.92% interest rate · Effective Sep 28, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 4.00% $100,000 and upJumbo 4.10% Rate checked
More details - TopLine Financial Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.
3.94% interest rate
Rate checked
More details - Multi-States Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000with conditionsRequirements
Product: The minimum amount required to open a Certificate of Deposit is $1,000. Penalty may apply for early withdrawal.
Qualified rate · Effective Sep 30, 2026
Rate checked
More details - MSU Federal Credit UnionCertificateCD · 18 months · $500 min · 4.00%–4.15% by balance
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000intro rateRequirements
Product: Fixed-rate certificate. Early withdrawal penalties apply: 90 days dividends for terms of 1 year or less; 180 days dividends for terms of 13 months to 5 years; 365 days dividends for terms of more than 5 years. No monthly or maintenance fees.
Offer: Valid thru 10/11/2026.
Promotional rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 and upYour amount 4.00% $100,000 and upJumbo tier. 4.15% Rate checked
More details - Governmental Employees Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000intro rateRequirements
Product: Membership eligibility required. Early withdrawals are subject to penalty. No monthly maintenance fees or setup fees.
Offer: CD Special / Hole in One Rates. Early withdrawals are subject to penalty.
Promotional rate · 3.93% interest rate · Effective Oct 5, 2026
Rate checked
More details - American Bank (Baxter Springs, KS)Certificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,0003.95% interest rate · Effective Oct 1, 2026
Rate checked
More details - Stoneham Municipal Employees Federal Credit UnionTerm Share CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Substantial penalties for early withdrawals may apply. If applicable, fees could reduce earnings.
3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - St. Anne's Credit UnionCertificates of DepositsCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Dividend rate is compounded monthly and paid monthly. Renewed automatically at the end of a 10 calendar day grace period. A substantial penalty is assessed on funds withdrawn prior to maturity on all Certificate accounts.
Compounded monthly
Rate checked
More details - AllCom Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: AllCom membership is required. Early withdrawal penalty may apply. Dividends paid monthly or at maturity to CD, another account, or by check.
Offer: Regular CD
Rate checked
More details - Washington Savings BankCertificates of Deposit (CDs)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: A penalty may be assessed for funds withdrawn prior to maturity on all certificates of deposits. Once a certificate of deposit account is opened, it maintains the opening rate for the length of its term. You must maintain a minimum balance of $10.00 in an account to earn the stated APY. $500 minimum deposit to open.
3.87% interest rate · Effective Oct 5, 2026
Rate checked
More details - First Internet BankPersonal Certificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Terms from 3 to 60 months. Minimum opening balance $1,000. Rates fixed for term. Auto-renews at maturity with 10-day grace period for penalty-free withdrawal. Early withdrawal penalty based on term length: 90 days interest for 1–3 months; 180 days interest for 4–18 months; 360 days interest for 19+ months.
Offer: Interest compounded and credited monthly. Early withdrawal penalty: 180 days interest.
3.93% interest rate · Effective Oct 2, 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
3,154 CDs at 2,793 banks and credit unions · checked Oct 22–24
- 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