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 496–510 results
- FreedomBankCertificate of DepositCD · 18 months · $1,000 min · 3.99%–4.14% by balance
Bank · Add a location to see nearby branches
3.99%APY$604 over 18 months on $10,000Requirements
Product: $1,000 minimum deposit required to open certificates (except kid's CDs require a $500 minimum deposit). Substantial penalty for early withdrawals applies. APY and rates subject to change at any time.
3.95% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $25,000Your amount 3.99% $25,000 – $100,000 3.99% $100,000 and up 4.14% Rate checked
More details - Self-Help Credit UnionGreen Term CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.98%APY$603 over 18 months on $10,000Requirements
Product: $500 minimum deposit. Terms 3 to 60 months. Shares rates with standard term certificates.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - Self-Help Credit UnionGo Local Term CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.98%APY$603 over 18 months on $10,000Requirements
Product: $500 minimum deposit. Terms 3 to 60 months. Shares rates with standard term certificates.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - Self-Help Credit UnionTerm CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.98%APY$603 over 18 months on $10,000Requirements
Product: Fixed rate share account. Early withdrawal penalties: 90 days of interest on terms of 12 months or less; 180 days of interest on terms greater than 12 months.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - Self-Help Federal Credit UnionTerm CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.98%APY$603 over 18 months on $10,000Requirements
Product: Member must maintain $5 par value. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - Brewer Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.97%APY$601 over 18 months on $10,000Requirements
Product: Dividend period is monthly. Dividends are compounded and credited monthly. A penalty may be imposed for early withdrawal. Rates are fixed for the term of the account. Certificates renew at the end of the term with a 10-day grace period.
3.90% interest rate · Effective Oct 6, 2026
Rate checked
More details - Ascend Federal Credit UnionRegular Share CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.97%APY$601 over 18 months on $10,000Requirements
Product: Certificate accounts have no fees; penalty for early withdrawal applies. Dividends compounded and credited monthly based on daily balance. Automatically renewable with a 7-day grace period.
Offer: Fixed rate. Additional deposits not allowed. Penalty of 210 days' dividends for early withdrawal.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - Gulf Coast Educators Federal Credit UnionPremium Term Share CertificateCD · 18 months · $100 min
Credit union · Add a location to see nearby branches
3.96%APY$600 over 18 months on $10,000with conditionsRequirements
Product: Available to Premium Deposit Account holders who use at least three qualifying services (checking account, direct deposit, loans, or Visa debit card), adding 0.50% to the dividend rate. Dividends compounded and credited quarterly. Additional deposits allowed with no limit.
Offer: 18 month term. Requires Premium Deposit Account qualification.
Qualified rate · 3.90% interest rate · Effective Mar 24, 2026
Rate checked
More details - Genisys Credit UnionTerm CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.96%APY$600 over 18 months on $10,000Requirements
Product: Penalty for early withdrawal. $500 is the minimum balance required to open account and earn APY. Annual Percentage Yield designated as APY and subject to change at any time.
3.90% interest rate · Effective Oct 22, 2026
Rate checked
More details - WEE Federal Credit UnionCertificates of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.96%APY$600 over 18 months on $10,000Requirements
Product: All dividends earned on share certificates will be forfeited if funds are withdrawn before maturity. Dividends paid at maturity.
Offer: Paid at maturity. Early withdrawal forfeits all earned dividends.
3.88% interest rate · Effective Oct 6, 2026
Rate checked
More details - Jefferson Security BankCertificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.96%APY$600 over 18 months on $10,000Requirements
Product: There is a substantial penalty for early withdrawal. Fixed interest rate for the specified term. FDIC-insured up to $250,000. Fees may reduce earnings.
3.90% interest rate · Effective Aug 3, 2026
Rate checked
More details - First National Bank of HerefordCertificates of Deposit (CDs)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.96%APY$600 over 18 months on $10,000with conditionsRequirements
Product: Early withdrawals subject to penalty. No setup or maintenance fees.
Offer: 18 Month "Raise Your Rate" with transaction account; Jumbo balance; ability to step the rate up to the current 18 month maturity market rate ONE time during the life of the CD.
Qualified rate · 4.00% interest rate
Rate checked
More details - First National Bank of HerefordCertificates of Deposit (CDs)CD · 18 months · $1,000 min · 3.72%–3.96% by balance
Bank · Add a location to see nearby branches
3.96%APY$600 over 18 months on $10,000with conditionsRequirements
Product: Early withdrawals subject to penalty. No setup or maintenance fees.
Offer: 18 Month "Raise Your Rate" with transaction account; balance Less than $50,000; ability to step the rate up to the current 18 month maturity market rate ONE time during the life of the CD.
Qualified rate · 4.00% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Up to $50,000Your amount 3.96% $50,000 – $100,00018 Month "Raise Your Rate" without transaction account; 3.72% Rate checked
More details - Legacy Credit UnionCD'sCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.96%APY$600 over 18 months on $10,000Requirements
Product: Standard CD early withdrawal penalties apply.
Rate checked
More details - Security Bank and Trust CompanyCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.96%APY$600 over 18 months on $10,000Requirements
Product: A substantial penalty may be imposed for early withdrawal. A withdrawal of interest or fees will reduce earnings.
3.90% interest rate
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
3,154 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