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 691–705 results
- Heritage Valley Federal Credit UnionHeritage Gold CertificateCD · 18 months · $10,000 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Heritage Gold rates require a minimum balance of $10,000. Substantial penalty for early withdrawal. Dividends compounded monthly.
3.74% interest rate · Compounded monthly
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More details - Riverfront Federal Credit UnionPreferred CertificatesCD · 18 months · $100 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000with conditionsRequirements
Product: Available to personal accounts for members 18 and older with an account open at least 60 days. Requires qualification for the Preferred Program (at least 15 combined purchase debit/credit card transactions per monthly qualification cycle, plus either $5,000+ in deposit accounts or $20,000+ in loan balances). If qualifications are not met, the account earns regular certificate rates and renews to a nonpreferred certificate at maturity. No monthly service charge. Fixed interest rate. Early withdrawal penalty applies.
Offer: Requires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty.
Qualified rate · Effective Oct 1, 2026
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More details - Sovita Credit UnionCertificate of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Fixed rates for the term of the certificate. Penalty may be imposed for early withdrawal. Rates may change weekly.
Offer: Duration: 18 Months. Interest paid monthly or quarterly.
3.80% interest rate · Effective Oct 5, 2026
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More details - Alpena Alcona Area Credit UnionRegular CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Rate is fixed for the term of the certificate. Compounded and credited quarterly. Early withdrawal penalty will be imposed for withdrawals before maturity.
Offer: 18 Month term; interest compounded and credited quarterly
3.75% interest rate · Effective Oct 5, 2026
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More details - Gundersen Credit UnionCertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000intro rateRequirements
Product: Dividends calculated from date of issuance to maturity, paid and compounded quarterly. Additional deposits not permitted. Early withdrawal penalty of 180 days worth of interest. Auto-renews for same term unless notified within 10 days after maturity, redemption established at opening, or if special (transfers to deposit account).
Promotional rate · 3.75% interest rate · Compounded quarterly · Effective Oct 1, 2026
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More details - Willis Knighton Federal Credit UnionShare CertificatesCD · 18 months
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Advertised rates are subject to change without notice. Early Withdrawal Penalties May Apply.
Offer: Early Withdrawal Penalties May Apply. Advertised Rates are subject to change without notice.
3.75% interest rate · Effective Sep 30, 2026
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More details - Bath State BankCertificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Minimum deposit $500. Penalties apply for early withdrawal.
Offer: Special 18-month rate.
Effective Oct 1, 2026
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More details - First Nebraska BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Must be 18 or older and a resident of Nebraska, Iowa, South Dakota or Kansas. Substantial penalty may be imposed for early withdrawal (except No Penalty certificate).
Offer: Compounded quarterly. Substantial penalty may be imposed for early withdrawal.
3.75% interest rate · Compounded quarterly · Effective Oct 4, 2026
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More details - Manasquan BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Interest calculated using the daily balance method. Maximum deposit to open online is $250,000.00; larger deposits must be established at a branch. Automatically renews at maturity with a 7-day grace period. Early withdrawal penalty equals 3 months of interest for terms less than 12 months, or 6 months of interest for terms greater than 12 months. Interest can remain for compounding or be withdrawn by check if a $5,000 balance is maintained.
Offer: Term is 18 months. Interest compounded continuously and credited monthly.
Effective Oct 4, 2026
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More details - Area Federal Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Effective Oct 4, 2026
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More details - WEPCO Federal Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Offer: Early withdrawal penalty applies. Compounding and crediting posted quarterly.
3.75% interest rate · Effective Jan 1, 2026
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More details - First National BankCertificate of DepositCD · 18–29 months · $100 min
Bank · Add a location to see nearby branches
3.80%APYRequirements
Product: A penalty may be imposed for early withdrawal. APY on certificates of deposit with term lengths indicated in a range of days/months is calculated on the maximum term length.
Offer: Term is 18-29 months. APY calculated on maximum term length. Early withdrawal penalty may apply.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - MONTGOMERY VAShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Pays dividends quarterly. Lock those savings in with ASE for long term earnings. $500 minimum opening deposit.
Offer: Quarterly compounding
3.75% interest rate
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More details - ASE Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Minimum opening deposit $500. Pays dividends quarterly.
Offer: Interest compound period: Quarterly
3.75% interest rate
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More details - Richmond Heritage Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: After the certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Dividends are compounded and credited quarterly.
3.73% interest rate · Effective Sep 1, 2026
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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