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 721–735 results
- Odin State BankCertificate SpecialsCD · 18 months · $10,000 min
Bank · Add a location to see nearby branches
3.79%APY$574 over 18 months on $10,000intro rateRequirements
Offer: EIGHTEEN (18) MONTH Special
Promotional rate · 3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Ukrainian Selfreliance MI FCUShare Certificates of Deposit (CD)CD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.79%APY$574 over 18 months on $10,000Requirements
Product: Penalty may apply for early withdrawal. Insured up to $250,000 by NCUA.
3.75% interest rate · Effective Oct 5, 2026
Rate checked
More details - Galaxy Federal Credit UnionShare CertificateCD · 13–24 months · $500 min
Credit union · Add a location to see nearby branches
3.77%APYRequirements
Product: Membership is open to anyone who lives, works, worships, attends school, or volunteers in Venango County and their immediate family. Members must maintain a minimum balance of $5 in savings accounts. Penalty for early withdrawal.
3.70% interest rate · Effective Jul 1, 2026
Rate checked
More details - City Credit UnionCertificate of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.77%APY$571 over 18 months on $10,000Requirements
Product: Rates reflect Annual Percentage Rate (APR). Early withdrawal penalties generally apply. Insured by NCUA up to $250,000.
Offer: Minimum balance $500.
3.70% interest rate · Effective Jan 1, 2026
Rate checked
More details - GECUPersonal Certificate Accounts (Fixed rate)CD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.76%APY$569 over 18 months on $10,000Requirements
Product: Membership eligibility is required. Must have a GECU share account ($10 deposit) to open a certificate account. Dividends are accurate as of Tuesday, October 20, 2026. Early-withdrawal penalties apply.
Offer: Monthly Crediting. Average daily balance requirement of $1,000.
3.70% interest rate · Effective Oct 20, 2026
Rate checked
More details - St. James Parish Credit UnionTerm CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.76%APY$569 over 18 months on $10,000Requirements
Product: Products and services limited to St. James Parish Credit Union members only. Certificates compound and credit dividends monthly. Subject to penalties for early withdrawal. Deposit of new funds limited to $100,000 per member. Rates apply for $25,000 new funds maximum or funds already on deposit.
Offer: Rates for $25,000 new fund maximum or funds already on deposit.
3.70% interest rate · Effective Oct 20, 2026
Rate checked
More details - Panhandle First BankCertificates of DepositCD · 18 months · $1,000 min · 3.76%–4.07% by balance
Bank · Add a location to see nearby branches
3.76%APY$569 over 18 months on $10,000intro rateRequirements
Product: No setup or maintenance fees. Early withdrawal penalty applies. 10-day grace period at maturity.
Offer: Penalty for early withdrawal. Must maintain a balance of $1,000.00 to obtain APY.
Promotional rate · 3.70% interest rate
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $49,999Your amount 3.76% $50,000 and upFor CD amounts over $250,000, please contact the bank. 3.82% $100,000 and up18 Months Special ++ Step-Up Available. For CD amounts over $250,000, please contact the bank. 4.07% Rate checked
More details - Estacado Federal Credit UnionShare CertificatesCD · 18–23 months · $1,000 min · 3.76%–3.87% by balance
Credit union · Add a location to see nearby branches
3.76%APYRequirements
Product: Early withdrawal penalty may apply.
3.70% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $100,000Your amount 3.76% $100,000 and upJumbo Certificates over $100,000 3.87% Rate checked
More details - Kings Federal Credit Union18 Month CertificateCD · 18 months · $1,000 min · 3.76%–3.87% by balance
Credit union · Add a location to see nearby branches
3.76%APY$569 over 18 months on $10,000Requirements
Product: Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
3.70% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 18 Month Certificate Balance APY $1,000 and up 3.76% $10,000 and upYour amount 3.76% $75,000 and up 3.87% Rate checked
More details - Farmers & Merchants State Bank18 Month CDCD · 18 months · $1,000 min · 3.56%–4.06% by balance
Bank · Add a location to see nearby branches
3.76%APY$569 over 18 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
3.55% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for 18 Month CD Balance APY $1,000 and up 3.56% $10,000 and upYour amount 3.76% $100,000 and up 4.06% Rate checked
More details - O&R Utilities Employees Federal Credit UnionCertificate of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.76%APY$569 over 18 months on $10,000Requirements
Product: Minimum balance to open is $500. Terms offered from 6 to 60 months. Dividends are compounded daily and credited monthly. Early withdrawal penalty applies: 90 days of dividends for maturity dates less than 1 year, and 180 days of dividends for maturity dates of more than 1 year.
3.70% interest rate · Compounded daily · Effective Dec 1, 2025
Rate checked
More details - GNC Community Federal Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,0003.70% interest rate · Effective Apr 6, 2026
Rate checked
More details - Ever $ Green Federal Credit UnionShare CertificateCD · 12–23 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APYRequirements
Product: Requires a savings account to open. Interest is posted monthly to the account of choice.
3.69% interest rate
Rate checked
More details - State Bank of India (California)Certificate of Deposit (CD)CD · 12–18 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APYRequirements
Product: Available in-branch and online. Fixed rates for the term of the CD. APY assumes interest remains on deposit until maturity. Minimum balance to open and obtain APY is $1,000. Early withdrawal penalty may apply.
Offer: Term is more than 1 Year to 18 Months (also listed as Up to 18 Months on personal CD page).
3.70% interest rate · Effective Feb 26, 2026
Rate checked
More details - Oregon State Credit Union18-Month Bump CertificateCD · 18 months · $250 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000intro rateRequirements
Product: Minimum deposit of $250 required. Member merits do not apply. For new money only. Certificate owner may increase the interest rate one time during the term to match the current rate offered on the standard 24-month certificate, not to exceed an increase of 0.50%. Limited time offer. Early withdrawal penalties apply.
Offer: Dividend rate is 3.68%. One-time rate bump up to 0.50% during term to match standard 24-month certificate rate. New money only. Member merits do not apply. Accurate as of 9/1/2026.
Promotional rate · 3.68% interest rate · Effective Sep 15, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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