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 1036–1050 of 3,159 results
- Marine Federal 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: Dividends compound and credit monthly using the Average Daily Balance method. Penalties may apply for early withdrawals. Accrued dividends will not be paid if account is closed before the end of the dividend period.
Offer: Automatic renewal.
Rate checked
More details - Credit Union of AtlantaShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: Dividends compounded and credited quarterly. Penalty imposed for early withdrawal. No setup or maintenance fees. Must maintain a minimum average daily balance of $500 to obtain disclosed APY.
3.50% interest rate · Effective Dec 23, 2025
Rate checked
More details - Everglades Federal Credit UnionShare CertificateCD · 18 months
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000with conditionsRequirements
Product: Penalty will or may be imposed for early withdrawal on Share Certificates. Fees could reduce earnings on the account if maintenance or activity fees apply.
Offer: Fixed rate type.
Qualified rate · 3.50% interest rate · Effective May 11, 2026
Rate checked
More details - TLCU FinancialShare 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: Dividends may be added to the certificate, mailed monthly, or posted to another account at the credit union.
3.50% interest rate
Rate checked
More details - CU of EmporiaCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,000Requirements
Product: Dividends are paid quarterly. Early withdrawal penalties apply.
3.52% interest rate · Effective Jun 30, 2026
Rate checked
More details - Integrity 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 $10,000Requirements
Product: Minimum opening deposit is $1,000.00, with an exception of $500.00 opening deposit on a custodial account.
Offer: $500.00 opening deposit on a custodial account.
3.50% interest rate · Effective Aug 21, 2026
Rate checked
More details - PennTech Federal Credit UnionShare Certificates (CD’s)CD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$539 over 18 months on $10,0003.50% interest rate · Effective Oct 1, 2025
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More details - Acme Continental Credit UnionTerm Share 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: Subject to penalties for early withdrawals.
3.50% interest rate · Effective Sep 1, 2026
Rate checked
More details - Hereford Texas Federal Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$538 over 18 months on $10,0003.50% interest rate · Effective Feb 2, 2026
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More details - The Police Credit UnionCertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APY$537 over 18 months on $10,000intro rateRequirements
Product: Membership required. Dividends must remain on deposit until maturity to earn stated APY. Additional deposits or withdrawals are not permitted until maturity.
Offer: Special promotional rate offer for 18 months. Membership required. Not available for corporate accounts. A minimum opening deposit of $500 is required to obtain the promotional APY. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain the promotional APY. Once opened, no add-on amounts to the account during the term are allowed. At maturity, unless otherwise indicated, the balance of the Certificate will automatically roll-over into a regular Certificate at the rate currently in effect for a 24-month Certificate.
Promotional rate · 3.49% interest rate · Effective Sep 29, 2026
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More details - First Citizens Community BankCertificates of Deposit (CDs)CD · 12–23 months · $10,000 min · 3.55%–4.06% by balance
Bank · Add a location to see nearby branches
3.55%APYRequirements
Product: A penalty may be imposed for early withdrawal. A withdrawal will reduce earnings. Interest compounded quarterly.
3.50% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $10,000 – $24,999Your amount 3.55% $100,000 and up 4.06% Rate checked
More details - Cottonwood Community Federal Credit UnionTerm CertificatesCD · 12–36 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APYRequirements
Product: $500.00 minimum balance on all Term Certificates. Dividends paid quarterly from certificate origination or renewal date. Early withdrawal penalties may apply.
Offer: Student certificate. Dividends paid quarterly from certificate origination or renewal date.
3.55% interest rate · Effective Dec 1, 2025
Rate checked
More details - United Trust BankCertificates of DepositsCD · 17–19 months · $3,000 min · 3.55%–3.75% by balance
Bank · Add a location to see nearby branches
3.55%APYintro rateRequirements
Product: Terms 3 months–5 years; opening minimum $3,000; early withdrawal penalty applies.
Offer: 17/18/19 Month Special; tier $3,000.00-$74,999.99; early withdrawal penalty may apply.
Promotional rate · 3.49% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificates of Deposits Balance APY $3,000 – $75,000Your amount 3.55% $75,000 – $250,000 3.75% Rate checked
More details - First Service Credit UnionCertificate of DepositCD · 18 months · $1,000 min · 3.55%–3.65% by balance
Credit union · Add a location to see nearby branches
3.55%APY$537 over 18 months on $10,000Requirements
Product: Fixed rate. Federally insured up to $250,000. Early withdrawal penalty may apply. Fees may reduce earnings.
Offer: Dividends compounded and credited monthly. Early withdrawal penalty may apply.
3.49% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 3.55% $50,000 and upJumbo tier. 3.65% Rate checked
More details - Priority Trust Credit UnionCertificates of Deposit AccountsCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.55%APY$537 over 18 months on $10,000Requirements
Product: Interest is compounded and credited monthly. Minimum amount to open a Certificate is $1,000. APY assumes dividends remain in the account until maturity. Withdrawals or fees reduce earnings. All accounts must remain open through the end of the dividend period or maturity date to be paid accrued dividends. Early withdrawal penalty may apply. Non-promotional balances $50,000+ increase dividend rate by 15 basis points (0.15%).
3.49% interest rate
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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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 18-month CDs pay nationwide
3,159 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%
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