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 541–555 results
- Alpine Credit UnionBump CertificateCD · 12–23 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APYintro rateRequirements
Product: One-time bump-up in dividend rate during term. Maturity date options 12-60 months. Auto renewal. $500 minimum deposit.
Promotional rate · 3.84% interest rate
Rate checked
More details - Credit Union of TexasRegular CDCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$591 over 18 months on $10,000Requirements
Product: Start saving with a minimum opening deposit of $1,000. Interest compounded daily and paid at maturity. Renews automatically with a 7-day grace period. Penalty for early withdrawal.
3.83% interest rate · Compounded daily · Effective Oct 21, 2026
Rate checked
More details - Friends and Family Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$591 over 18 months on $10,000with conditionsRequirements
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 Bronze tier.
Qualified rate · 3.84% interest rate · Effective Oct 23, 2026
Rate checked
More details - Luminate BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.90%APY$591 over 18 months on $10,000Requirements
Product: Minimum opening deposit of $500. Interest on certificates with terms of 12 months or less will not be compounded and paid at maturity. Interest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal.
Offer: Interest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal.
3.85% interest rate · Effective Oct 15, 2026
Rate checked
More details - Newtek BankCertificate of DepositCD · 18 months · $2,500 min
Bank · Add a location to see nearby branches
3.90%APY$591 over 18 months on $10,000Requirements
Product: Maximum amount is $250,000 per account. Penalties may apply to early withdrawals. Fees may reduce earnings.
3.83% interest rate · Balance cap $250,000 · Effective Oct 22, 2026
Rate checked
More details - Advantage Federal Credit UnionTerm Share CertificatesCD · 18–23 months
Credit union · Add a location to see nearby branches
3.90%APYRequirements
Product: Multiple terms ranging from 6 to 60 months. Membership subject to eligibility. Federally insured by NCUA.
Offer: Dividends paid quarterly.
3.84% interest rate · Effective Oct 16, 2026
Rate checked
More details - Philadelphia Federal Credit UnionSavings CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$591 over 18 months on $10,000Requirements
Product: Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.
3.83% interest rate
Rate checked
More details - ESB Banking & InsuranceCertificates of DepositCD · 18 months · $1,000 min · 3.80%–3.90% by balance
Bank · Add a location to see nearby branches
3.90%APY$591 over 18 months on $10,000Requirements
Product: Requires a $1,000 minimum opening deposit. Higher rates/APYs on balances of $10,000 or more. Options include Compounding Plan, Auto Deposit Plan, and Check Plan. Terms of 2 years or greater can be converted to cash or another investment at half-term without penalty (10-day grace period; optional conversion date notification is $10.00). Substantial penalty for early withdrawal. Automatically renewable unless stated otherwise.
Offer: Compounding & Auto Deposit Plans; balance less than $10,000.
3.80% interest rate · Effective Aug 5, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 3.80% $10,000 and upYour amount 3.90% Rate checked
More details - Community Bank of CameronCertificate of Deposit (CD)CD · 18 months · $1,000 min · 3.75%–4.00% by balance
Bank · Add a location to see nearby branches
3.90%APY$591 over 18 months on $10,000Requirements
Product: Compounded quarterly. Early withdrawal penalties may apply.
Offer: 18 Month term.
3.70% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $1,000 and up 3.75% $10,000 and upYour amount 3.90% $20,000 and up 4.00% Rate checked
More details - Middlesex Savings BankFreedom Platinum Certificate of DepositCD · 18 months · $250 min
Bank · Add a location to see nearby branches
3.90%APY$591 over 18 months on $10,000with conditionsRequirements
Product: Requires a Freedom Platinum Checking account. Minimum deposit to open is $250. $10 minimum balance is required to earn APY. Rate is guaranteed for the length of the term. Early withdrawal penalties apply.
Offer: Requires Freedom Platinum Checking account.
Qualified rate · 3.83% interest rate · Effective Oct 15, 2026
Rate checked
More details - Parke BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.90%APY$591 over 18 months on $10,000Requirements
Product: Early withdrawal penalties apply. Available in amounts of $500 or more. Interest can be paid monthly, quarterly, or at maturity with flexible terms and a guaranteed interest rate for the term of the certificate.
Offer: Early withdrawal penalties apply.
3.83% interest rate · Effective Oct 12, 2026
Rate checked
More details - Cochise Credit UnionCertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$591 over 18 months on $10,000Requirements
Product: Certificate accounts pay a higher interest rate and are available in terms ranging from 6 months to 5 years. There is a $1,000 minimum balance and interest is paid monthly. When your certificate come due, we will send you a notice and give you ten business days to cash or change the terms of the certificate. After the ten days, we will automatically renew it for you! Early withdrawal penalties may apply.
Effective Oct 9, 2026
Rate checked
More details - Houston Federal Credit UnionFlexible-Term CertificateCD · 18–23 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APYRequirements
Product: Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit. Penalty for early withdrawal of principal prior to maturity.
3.84% interest rate · Effective Oct 6, 2026
Rate checked
More details - POPA Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min · 3.85%–4.05% by balance
Credit union · Add a location to see nearby branches
3.90%APY$591 over 18 months on $10,000Requirements
Product: Minimum opening deposit of $1,000.00. Early withdrawal penalties may apply.
Offer: Early withdrawals are subject to penalties.
3.78% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $10,000 3.85% $10,000 – $50,000Your amount 3.90% $50,000 – $90,000 3.95% $90,000 – $200,000 4.00% $200,000 and up 4.05% Rate checked
More details - Nashville Firemen’s Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$591 over 18 months on $10,000Requirements
Product: Rates stated as APY. Certificate rates are set for the term of the account. $1,000 minimum balance required. Early withdrawal penalty applies.
Effective Oct 1, 2026
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
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