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 706–720 results
- Magnolia BankCertificates of DepositCD · 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
Rate checked
More details - Lauderdale County Teachers Credit UnionCertificates 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: Rates subject to change. Please contact the credit union to confirm the most current rate.
3.75% interest rate · Effective Mar 12, 2025
Rate checked
More details - MECUCertificate of DepositCD · 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: No monthly service fee. Early withdrawal penalty may apply. Automatically renews at maturity with a 10-day grace period.
Offer: Dividends compounded quarterly; paid monthly will receive a check and will not compound.
3.75% interest rate · Compounded quarterly
Rate checked
More details - Healthcare Services Credit UnionShare 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: Fixed interest rate until maturity. Requires a $1,000 minimum deposit to open. No additional deposits can be made once opened. Early withdrawal penalties apply. Dividends are paid quarterly. Renews automatically at current market rate with notice sent at least 10 days before maturity.
3.75% interest rate · Effective Aug 1, 2026
Rate checked
More details - First Bank HamptonCertificates of Time DepositCD · 18 months · $1,000 min · 3.70%–3.90% by balance
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Low opening deposit of $1,000. Receive reminders before maturity and automatic renewals.
Offer: Interest compounded quarterly. Early withdrawal penalties may apply: over 12 months maturity is 15 months interest.
3.65% interest rate · Compounded quarterly · Effective Sep 17, 2026
Rate by balance
Rate by balance for Certificates of Time Deposit Balance APY $1,000 – $7,500 3.70% $7,500 – $100,000Your amount 3.80% $100,000 and up 3.90% Rate checked
More details - Bonanza Valley 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: Interest credited quarterly. Early withdrawal penalties apply.
Offer: Penalties may apply for early withdrawal.
3.75% interest rate
Rate checked
More details - American State BankCertificates of DepositCD · 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 Jun 28, 2023
Rate checked
More details - NDBTCertificate 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: Early withdrawal penalties apply. Earnings can be added to CD or paid directly. FDIC insured.
3.75% interest rate · Effective Jul 2, 2026
Rate checked
More details - TBO BankCertificate of Deposit (CD)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$575 over 18 months on $10,000Requirements
Product: Rates are fixed once opened and guaranteed only if funds remain on deposit for the full term. Early withdrawals not allowed within first 90 days; after 90 days, early withdrawals require bank approval and incur a penalty. Balance of $500 required to obtain disclosed APY. Funding available exclusively via ACH transfer.
Offer: Balance of $500 required to obtain APY.
3.76% interest rate
Rate checked
More details - P&S Credit UnionShare Certificates 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: Dividends compounded quarterly, paid at maturity/end of term. Early withdrawal penalties apply. Automatically renewable. Low minimum deposit of $500.
Offer: Automatic renewal
Compounded quarterly
Rate checked
More details - RBFCUSuperSaver CertificateCD · 18 months · $1,000 min · 3.75%–3.91% by balance
Credit union · Add a location to see nearby branches
3.79%APY$574 over 18 months on $10,000Requirements
Product: Membership eligibility required. $1,000 minimum deposit to open account and earn stated APY. SuperSaver 18-month Certificate is available for consumer accounts and does not apply to business accounts. Early withdrawal penalties apply. Compounded monthly or paid to checking, savings, or money market.
3.69% interest rate · Compounded monthly · Effective Oct 23, 2026
Rate by balance
Rate by balance for SuperSaver Certificate Balance APY $1,000 – $5,000 3.75% $5,000 – $20,000Your amount 3.79% $20,000 – $75,000 3.86% $75,000 and up 3.91% Rate checked
More details - ACFCUNo Penalty CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.79%APY$574 over 18 months on $10,000Requirements
Product: Retirement options are not available for No-Penalty CD(s). REWARDS do not apply to Special CD(s). Early withdrawal penalties may apply, and fees may reduce potential earnings.
3.72% interest rate · Effective Oct 14, 2026
Rate checked
More details - Teutopolis State BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.79%APY$574 over 18 months on $10,000Requirements
Product: Penalties may apply for early withdrawal. Businesses are not eligible.
Offer: 18 Month CD
3.75% interest rate · Effective Oct 20, 2026
Rate checked
More details - Investment Savings BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.79%APY$574 over 18 months on $10,000Requirements
Product: A penalty is imposed for early withdrawal prior to the maturity date. CDs automatically renew.
Offer: Penalty for early withdrawal.
3.75% interest rate · Effective Oct 16, 2026
Rate checked
More details - Bell BankFixed Rate Certificate of DepositCD · 18 months · $500 min · 3.79%–3.84% by balance
Bank · Add a location to see nearby branches
3.79%APY$574 over 18 months on $10,000Requirements
Product: $500 minimum deposit. FDIC insured with no account fees. Early withdrawal penalty may apply. Balances greater than $99,999 earn a higher rate upon renewal if compounding increases balance over $99,999.
Offer: 18 Month CD. Interest paid semiannually. Early withdrawal penalty may apply.
3.75% interest rate
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit Balance APY $500 – $99,999Your amount 3.79% Over $99,999 3.84% 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