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 1006–1020 of 3,159 results
- UniBankCertificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Minimum opening deposit: $1,000. Term: 3 months to 60 months. Penalty for early withdrawal of principal. Fixed interest rate calculated daily and paid/credited monthly. 10 day grace period after maturity to withdraw funds without penalty. Renewal will be the same as original term at rate determined at renewal.
3.54% interest rate · Effective Feb 2, 2026
Rate checked
More details - Consumers Professional Credit UnionCertificates of DepositCD · 18 months · $1,000 min · 3.60%–3.70% by balance
Credit union · Add a location to see nearby branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Dividends are compounded quarterly and paid quarterly. A penalty may be imposed for early withdrawals. Fees may reduce earnings on accounts.
Offer: Dividends compounded quarterly and paid quarterly. Early withdrawal penalty may apply.
3.55% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $49,999Your amount 3.60% $50,000 and up 3.70% Rate checked
More details - Innovations Financial Credit UnionNon-Compounding Share CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.59%APY$543 over 18 months on $10,000Requirements
Product: Rates shown for Share Certificate accounts are accurate as of 10/22/2026. Early withdrawal penalties apply.
Offer: Early withdrawal penalty applies.
3.59% interest rate · Effective Oct 22, 2026
Rate checked
More details - Versailles Savings & LoanEducation Savings Certificate of DepositCD · 18 months · $100 min
Bank · Add a location to see nearby branches
3.59%APY$543 over 18 months on $10,000Requirements
Product: Rate is subject to adjustment the first day of each calendar quarter. Interest is paid quarterly and compounded daily by daily balance method. Additional deposits permitted in any amount.
Offer: Variable rate CD where rate may change after opening. Additional deposits allowed in any amount.
3.53% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - Advantage One Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.59%APY$543 over 18 months on $10,000intro rateRequirements
Product: Low minimum balance of $500 to open. Penalty for early withdrawal.
Offer: Paid at maturity.
Promotional rate · 3.59% interest rate
Rate checked
More details - Cornerstone State Bank12 - 23 Month C.D.CD · 12–23 months · $1,000 min
Bank · Add a location to see nearby branches
3.58%APYwith conditionsRequirements
Product: Compounded Semi-Annually. Early Withdrawal Penalty: CD term is 1 year or less = Loss of 90 Days of Interest / Over 1 year = Loss of 180 Days of Interest. New CD's, $200,000 and over, are required to have an active checking account, minimum of 10 entries per month.
Offer: Compounded Semi-Annually.
Qualified rate · 3.55% interest rate
Rate checked
More details - Gunnison Savings & LoanCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.57%APY$540 over 18 months on $10,0003.50% interest rate
Rate checked
More details - Farmway Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.57%APY$540 over 18 months on $10,000Requirements
Product: Automatically renewable. Terms from 3 months to 48 months. Penalties apply for early withdrawal. Dividends calculated by daily balance method and accrue on the business day deposit is made; if closed before crediting, accrued dividends for that period are forfeited.
Offer: Dividend paid monthly, quarterly, semiannually, or at maturity. Dividend deposited to share account or added to certificate at maturity only.
3.60% interest rate · Effective Jul 1, 2025
Rate checked
More details - Kelly Community Federal Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,0003.50% interest rate
Rate checked
More details - TrailNorth Federal Credit UnionShare CertificatesCD · 12–23 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY - State Highway Patrol Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: Membership required to open Share Certificates with SHPFCU. A penalty may be imposed for early withdrawal. Minimum balance to open a share certificate is $500.00. Dividends may be paid monthly, quarterly, or annually; APY listed assumes monthly dividends.
Offer: Assumes monthly dividends. Dividends may be paid monthly, quarterly, or annually. Penalty for early withdrawal. Membership required.
3.50% interest rate
Rate checked
More details - Hoosier United Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: Hold a dollar amount (over $1,000) in a certificate for a term of 6, 12, 18, or 24 months and pay a fixed dividend rate every month. Dividends are paid monthly on anniversary date of opening. Minimum balance required is $1,000. Early withdrawal penalty applies.
Offer: Minimum balance required is $1,000. Once rate locked in for term, fixed rate for single term only. Rates are set at CD renewal for CD term. Early withdrawal penalty applies.
3.50% interest rate · Effective Oct 19, 2026
Rate checked
More details - Lowell Firefighters FCUCertificates of DepositsCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: Rates fixed for the term once opened. Dividends calculated on the daily balance and compounded monthly. Early withdrawal penalty may be imposed.
3.50% interest rate · Compounded monthly · Effective Sep 23, 2026
Rate checked
More details - First Federal BankCertificates of Deposit (CDs)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: $500 Minimum Deposit to Open. Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal. Principal withdrawals prior to the maturity or renewal date may be subject to early withdrawal penalties. Penalties are not assessed if the account holder is deceased. Renewal grace period is seven (7) calendar days. Fees may reduce earnings on the account. Interest will be compounded and credited monthly.
Offer: Assumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. Interest compounded and credited monthly.
3.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - Eureka Savings BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: $1,000.00 minimum balance needed to open. Interest compounds daily. Funds are subject to penalty for early withdrawal.
3.50% interest rate · Effective Oct 6, 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
What 18-month CDs pay nationwide
3,159 CDs at 2,793 banks and credit unions · checked Oct 22–25
- Typical
- 3.25%
- Top 10% from
- 4.10%
- Banks, typical
- 2.94%
- Credit unions, typical
- 3.30%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
- Synchrony BankBank