Best 18-month CD rates

Requirements

Product: Federally insured by NCUA up to $250,000. No monthly maintenance fees. Minimum balance to open is $500. Dividends accrue daily and compound monthly. Automatically renews at maturity unless contacted on or before maturity date. 10-day grace period to redeem without penalty. Penalty for early withdrawal. $500 minimum daily balance required to earn APY.

Offer: Minimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period.

Requirements

Product: Membership eligibility required (live, work, worship, or attend school in Hancock County). Excludes JR Certificates. Early withdrawal penalty applies. Minimum balance $500 to open and earn advertised APY.

Requirements

Product: Standard Certificate requires $500 minimum deposit, deposited once at account opening and remaining in place until maturity. Monthly dividends. Rollover at maturity with 10-day grace period. Early standard certificate withdrawals penalty: 50% of remaining unearned interest or 180 days worth of interest.

Offer: Monthly dividends; Rollover at maturity

Requirements

Product: Membership eligibility required. Early withdrawal penalty applies.

Requirements

Product: Penalty for early withdrawal. No setup or maintenance fees. $1,000 minimum opening deposit.

Offer: Penalty for early withdrawal.

Requirements

Product: Membership eligibility required ($5.00 minimum deposit to Savings Prime Share Account to join). Funds federally insured up to $250,000 by NCUA.

Offer: Fixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity.

Requirements

Product: Must maintain a minimum collected daily balance of $1,000.00 to obtain disclosed APYs. No withdrawal of any kind during the first 6 calendar days after initial deposit; after that, full balance may be withdrawn without penalty. No partial withdrawals allowed.

Offer: Must be opened in branch. Minimum opening deposit $1,000. No withdrawal during first 6 calendar days after deposit; thereafter full balance withdrawal allowed without penalty. No partial withdrawals.

Requirements

Product: No setup or maintenance fees. Early withdrawals subject to penalty. Rate tier balance requirements apply.

Offer: 18 Month Regular Accumulator Certificate.

Requirements

Product: Minimum opening balance of $500; additional deposits not allowed. Early withdrawal penalty applies. Consumer certificates automatically renew for another term of the same duration by default with a 10-day grace period. SELCO Rate Guarantee adjusts rate if offering rate increases within 30 days of opening.

Offer: Certificate Reward Tier 2: Requires household 9-month average daily savings balance of $100,000 or more.

Requirements

Product: Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. Dividends remain in certificate until maturity; early withdrawal penalty may apply.

Requirements

Product: Returns may be higher than regular savings for the length of the term. Terms range from 3 months to 5 years. Early withdrawal penalties apply. FDIC insured up to $250,000.

Offer: Penalty for early withdrawal. APYs on certificates are based on actual days per month/per year and quarterly compounding.

Requirements

Product: If payment of CD interest is not compounded quarterly, APY will be affected on disclosures & statements.

Offer: Interest compounded quarterly.

Requirements

Product: Minimum opening balance of $1,000 is required to earn dividends on all Certificates of Deposit ($500 for CU Succeed account holders). Early withdrawal penalties apply.

Offer: Term 18 Months. CU Succeed account holders can open with a minimum balance of $500.