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 676–690 results
- First Bank ChicagoCertificates of Deposit (CD)CD · 18 months · $2,500 min
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Minimum deposit to open a Certificate of Deposit (CD) and obtain stated APY is $2,500.00. APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed for withdrawal of funds prior to maturity. Fees may reduce earnings. Rates are variable and subject to change at any time.
3.74% interest rate · Effective Oct 13, 2026
Rate checked
More details - Pathways Financial Credit UnionShare CertificatesCD · 18 months · $500 min · 3.80%–3.90% by balance
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Rate and annual percentage yield is fixed for the term of the share certificate. Penalty for early withdrawal of principal: 180 days' dividends for terms less than 36 months, 365 days' dividends for terms equal to or greater than 36 months. Must allow earnings to be added to certificate balance to earn stated APY; withdrawal of monthly earnings will not allow earning stated APY.
Offer: Early withdrawal penalty applies (180 days' dividends for terms under 36 months). Earnings must remain in certificate to earn stated APY.
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.80% $100,000 and up 3.90% Rate checked
More details - First Federal SavingsCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000intro rateRequirements
Product: Rate subject to change daily. Interest may be paid by check or transferred to a First Federal checking or savings account. Minimum additions of $250.00 or more permitted for some terms. Penalty may be imposed for early withdrawal.
Offer: 18 Month CD
3.75% interest rate · Effective Oct 7, 2026
Rate checked
More details - ESB Banking & InsuranceCertificates of DepositCD · 18 months · $1,000 min · 3.70%–3.80% by balance
Bank · Add a location to see nearby branches
3.80%APY$575 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: Check Plan (Interest via check); balance less than $10,000.
3.70% interest rate · Effective Aug 5, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 3.70% $10,000 and upYour amount 3.80% Rate checked
More details - Wolf River Community BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Minimum balance to open is $1,000.00. No deposits can be added. Early withdrawals of principal prior to maturity date will result in substantial penalties and account closure. Interest credited at maturity on CDs less than 12 months; quarterly compounding on accounts 12 months and over. Fees may reduce earnings.
Offer: Quarterly compounding. Fees may reduce earnings.
3.75% interest rate · Effective Oct 14, 2026
Rate checked
More details - Security BankCertificates of DepositCD · 18 months · $2,000 min
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed APY. Interest compounded quarterly and stays on deposit until maturity. Early withdrawal penalty may apply. Automatically renews 10 days after maturity for the same term at the current interest rate.
Offer: Term: 18 Months. Must maintain a minimum daily balance of $2,000 each day to obtain disclosed APY.
3.75% interest rate · Compounded quarterly · Effective Oct 6, 2026
Rate checked
More details - Fidelity BankCertificate of Deposit (CD)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Effective Oct 13, 2026
Rate checked
More details - 3.80%APY$575 over 18 months on $10,000intro rate
Requirements
Product: Interest compounded daily and credited monthly. Penalty assessed for withdrawal prior to maturity. Limited time offer subject to change.
Offer: Interest compounded daily and credited monthly. Penalty for early withdrawal.
Promotional rate · Compounded daily · Effective Oct 15, 2026
Rate checked
More details - Middlesex Savings BankCertificate of DepositCD · 18 months · $250 min
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: 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.
3.74% interest rate · Effective Oct 15, 2026
Rate checked
More details - Cape Cod 5Certificates of Deposit (CDs)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000with conditionsRequirements
Product: Available to new and existing customers. Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal. 91 Day CD includes one penalty-free withdrawal per term after seven days from account opening.
Offer: Standard rate.
Qualified rate · Effective Oct 13, 2026
Rate checked
More details - Nebraska State Bank & Trust CompanyCertificates of Deposit (CDs)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,0003.75% interest rate · Effective Oct 14, 2026
Rate checked
More details - ALABAMA POSTALShare Certificates (CD's)CD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Effective Aug 1, 2026
Rate checked
More details - Freedom Federal Credit UnionRegular Share CertificateCD · 18 months · $300 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000intro rateRequirements
Product: Minimum opening deposit of $300 for regular share accounts; $5 minimum deposit for youth club members under 18 years of age. Early withdrawal penalty may apply.
Offer: 18-Month SPECIAL; upon maturity renews to a 52-Week Regular Share or IRA Certificate
Promotional rate · 3.75% interest rate · Effective Sep 25, 2026
Rate checked
More details - East Texas Professional Credit UnionTerm Share CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: ETPCU membership required. A minimum of $1,000 is required to open and maintain on a daily basis to earn APY. Early withdrawal penalty may be imposed. Term Share Certificate balances $100K and above receive a 0.10% dividend increase.
Offer: 18 Month Term Share Certificate. Compounded & Credited Quarterly. Balances $100K and above receive a 0.10% dividend increase.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Schertz Bank & TrustRegular CDCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Fixed rate, simple interest CD. Automatically renewable. Penalty for early withdrawal.
Offer: 1 1/2 Year CD. Interest paid quarterly back to CD. Penalty for early withdrawal is an amount equal to three month's interest. Redeemable on day of maturity or within 10 days after without penalty.
3.75% interest rate · Effective Sep 29, 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