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 961–975 results
- SharePoint Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Dividends for Share Certificates are calculated on the daily balance and paid quarterly. Interest rates are reviewed weekly and are subject to change without notice. Minimum required to open a Share Certificate is $500. Early withdrawal penalty: one year or less will equal 90 days of interest on the amount withdrawn subject to penalty, and over one year will equal 180 days of interest on the amount withdrawn subject to penalty.
3.55% interest rate · Effective Oct 23, 2026
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More details - Mercantile BankCertificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Flexible maturities range from 1 month to 60 months. Automatic renewal standard. Interest calculated on daily balance. Subject to early withdrawal penalty.
3.55% interest rate · Effective Sep 28, 2026
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More details - Northeast Community Credit Union18 Month Certificate AccountCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000 - MIT Federal Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Must maintain a minimum daily balance of $500.00 (for Regular share certificate types) in your account each day to obtain the disclosed APY. Federal Regulations require a substantial penalty on funds withdrawn prior to maturity for all Share Certificate accounts. Dividends are compounded daily and paid monthly. Share Certificate APY assumes dividends are retained in the Certificate.
3.54% interest rate · Compounded daily · Effective Oct 22, 2026
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More details - MTC Federal Credit UnionShare Certificates PlusCD · 18 months · $10,000 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Quarterly Posted Dividend Certificates. Monthly Distributed Dividend Certificates are available. Early withdrawal penalty applies. Must be a credit union member.
3.55% interest rate
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More details - Atlantic Federal Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Early withdrawals are subject to penalty. 10-calendar-day grace period at maturity before automatic renewal.
Offer: Allows additional deposits ($500 minimum).
3.54% interest rate · Effective Oct 19, 2026
Rate checked
More details - 3.60%APY$545 over 18 months on $10,000
Requirements
Product: Must be at least 18 years old and a U.S. citizen or lawful permanent resident with a U.S. physical address. CD account balance may not exceed $1,000,000. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months interest for terms > 12 months).
3.54% interest rate · Balance cap $1,000,000 · Effective Oct 16, 2026
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More details - Commerce Bank TexasCertificates of DepositCD · 18 months · $0 min · 3.55%–3.60% by balance
Bank · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Compounding quarterly; a penalty may be imposed for early withdrawal
3.55% interest rate · Effective Mar 12, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $250,000Your amount 3.60% $250,000 and up 3.55% Rate checked
More details - Alliant Credit UnionCertificateCD · 18–23 months · $1,000 min · 3.60%–3.65% by balance
Credit union · Add a location to see nearby branches
3.60%APYRequirements
Product: Must be an Alliant Credit Union member. Dividends compound monthly and are paid on the last day of the month and at maturity. Early withdrawal penalty applies to principal withdrawals. No additional deposits allowed after opening. A Jumbo Certificate with balance falling below $75,000 converts to a Regular Certificate.
3.54% interest rate
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $75,000Your amount 3.60% $75,000 and upJumbo Share Certificate tier. 3.65% Rate checked
More details - Utilities Employees Credit UnionAdvantages Certificate of DepositCD · 18 months · $500 min · 3.50%–3.70% by balance
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Opening balance and minimum balance of $500 for all certificates. APY assumes dividends remain in the account until maturity and minimum balance is maintained. After opening, additional deposits cannot be made during the term. Penalty imposed for early withdrawal.
3.45% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Advantages Certificate of Deposit Balance APY $500 – $10,000 3.50% $10,000 – $75,000Your amount 3.60% $75,000 and up 3.70% Rate checked
More details - Security Credit UnionShare Certificates of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Rates are effective as of October 1, 2026. Rates are subject to change without notice; printed matter such as our newsletter Security Matters takes priority over Internet rates. Call Security Credit Union for current rates. Penalty will be imposed for early withdrawal (90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year). Fees may reduce earnings on the account.
Effective Oct 1, 2026
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More details - AAC Credit UnionCertificate of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Account fees may reduce earnings on certificates. Traditional CD may be opened for as little as $500 with 6 to 24 month options.
Effective Oct 15, 2026
Rate checked
More details - HARVESTER FINANCIALShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Minimum deposit is $500. Terms and Conditions subject to change without notice. Penalty may be imposed for early withdrawal.
3.55% interest rate · Effective Oct 1, 2026
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More details - First National BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Rates as of: October 9, 2026. Rates are subject change, for the most current rates please contact us at 434.369.3000. A penalty will be imposed for early withdrawal (except No Penalty). Interest rate and APY may change after opening. Daily balance calculation. Fees could reduce earnings.
Offer: 18 Month CD. Early withdrawal penalty applies.
3.55% interest rate · Effective Oct 9, 2026
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More details - Sikorsky Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Dividends are calculated using a daily balance method and are paid monthly. Dividend Rates on Share and IRA Certificates are fixed and will not change until maturity. APY assumes dividends and principal will remain on deposit until maturity; withdrawals reduce earnings and early withdrawal of principal is subject to penalty. Membership eligibility in Fairfield, New Haven, or Hartford County, CT or Sikorsky Aircraft employment required.
3.54% interest rate · Effective Oct 15, 2026
Rate checked
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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