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 571–585 results
- Homebase Credit UnionShare CertificateCD · 18 months · $2,500 min
Credit union · Add a location to see nearby branches
3.87%APY$586 over 18 months on $10,000Requirements
Product: Requires membership with a non-refundable $1 joining fee and $25 refundable savings deposit. A minimum balance of $2,500.00 is required to open and earn dividends. Early withdrawal penalty is 180 days of dividends.
Offer: Early withdrawal penalty is 180 days of dividends.
3.80% interest rate · Effective Oct 15, 2026
Rate checked
More details - Capstone Federal Credit UnionCertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.87%APY$586 over 18 months on $10,000Requirements
Product: Minimum opening deposit and balance to earn interest is $1,000. Early withdrawal penalty applies. Institutional and Public Funds are not eligible; members are eligible.
3.80% interest rate · Effective Sep 21, 2026
Rate checked
More details - Red River Federal Credit UnionCertificateCD · 18 months
Credit union · Add a location to see nearby branches
3.87%APY$586 over 18 months on $10,000 - Del Norte Credit UnionCertificatesCD · 18 months · $1,000 min · 3.82%–3.92% by balance
Credit union · Add a location to see nearby branches
3.87%APY$586 over 18 months on $10,000intro rateRequirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings. Dividends compounded daily and paid monthly.
Promotional rate · 3.75% interest rate · Compounded daily · Effective Oct 3, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 3.82% $10,000 and upYour amount 3.87% $100,000 and up 3.92% Rate checked
More details - Ohio Valley Community Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.87%APY$586 over 18 months on $10,000Requirements
Product: Flexible terms from 3 months to 5 years, with a minimum deposit of $1000.00. Dividends compound monthly or can be transferred to savings account monthly or at maturity.
3.80% interest rate · Effective Sep 24, 2026
Rate checked
More details - 3.87%APY$586 over 18 months on $10,000
Requirements
Product: Fixed rate on entire balance for length of CD term. Interest may be compounded or mailed via check. Early withdrawal penalty applies.
3.80% interest rate · Effective Sep 16, 2026
Rate checked
More details - Cooperative Choice Network Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$586 over 18 months on $10,000Requirements
Product: Dividends compounded daily and paid monthly (added back to certificate, paid monthly by check, or deposited directly into Share Savings or Share Draft Account). Early withdrawals subject to penalty. Minimum deposits vary according to term lengths.
Offer: Renewal rate under Member Loyalty Program when allowing certificate to roll over with no changes.
3.80% interest rate · Compounded daily · Effective Mar 1, 2026
Rate checked
More details - True Sky Federal Credit UnionShare CertificateCD · 13–23 months · $500 min
Credit union · Add a location to see nearby branches
3.86%APYintro rateRequirements
Product: Most certificate accounts require a minimum investment of $500. Early withdrawal penalty may apply. NCUA insured. Minimum deposit of $1,000 required max of $100,000 for APY rate accuracy terms. New money only.
Promotional rate · 3.79% interest rate
Rate checked
More details - True Sky Federal Credit UnionCertificate of Deposit (CD)CD · 13–23 months · $500 min
Credit union · Add a location to see nearby branches
3.86%APYRequirements
Product: The APY assumes dividends are compounded quarterly and will remain on deposit until maturity. Fees may reduce earnings.
3.79% interest rate · Compounded quarterly
Rate checked
More details - Tendto Credit UnionShare Certificate SpecialsCD · 18 months · $1,000 min · 3.86%–4.28% by balance
Credit union · Add a location to see nearby branches
3.86%APY$585 over 18 months on $10,000intro rateRequirements
Product: All rates and yields stated are accurate as of September 1, 2026 and are subject to change. Fees may reduce earnings and the dividend rate may change after the account is opened. 50% New Money required for 9 Month Term Certificate.
Promotional rate · 3.81% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Share Certificate Specials Balance APY $1,000 and upYour amount 3.86% $75,000 and up 4.07% $200,000 and up 4.28% Rate checked
More details - BrightStar Credit UnionCertificatesCD · 12–24 months
Credit union · Add a location to see nearby branches
3.85%APYwith conditionsRequirements
Product: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.
Offer: Term: 1 year (365-730 days). Standard rate.
Qualified rate · 3.78% interest rate · Effective Oct 15, 2026
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More details - Aspen Federal Credit UnionShare CertificatesCD · 12–48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY3.80% interest rate · Effective Jul 21, 2025
Rate checked
More details - Michigan United Credit UnionCertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$583 over 18 months on $10,000Requirements
Product: Early withdrawals are subject to a penalty equal to 90 days' interest, which may reduce the principal. APY assumes interest remains in the certificate and is compounded. If interest is transferred to another account, interest will not compound and APY will not apply; only the stated interest rate will apply.
Offer: Early withdrawals are subject to a penalty equal to 90 days' interest. APY assumes interest remains in the certificate and is compounded.
3.80% interest rate · Effective Oct 23, 2026
Rate checked
More details - Johnson BankCertificate of Deposit (CD) SpecialsCD · 18 months · $5,000 min
Bank · Add a location to see nearby branches
3.85%APY$583 over 18 months on $10,000intro rateRequirements
Product: Contact your relationship banker to open an account. Minimum balance is required to obtain the stated APYs. A penalty may be imposed for early withdrawal.
Offer: Annual; Simple
Promotional rate · 3.84% interest rate · Effective Oct 22, 2026
Rate checked
More details - Northland Area FCUCompounding CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$583 over 18 months on $10,000Requirements
Product: Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
3.80% interest rate · Compounded quarterly · Effective Oct 22, 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