Best 18-month CD rates

Requirements

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%).

Requirements

Product: Penalty for early withdrawal. Terms from 30 days to 7 years. Minimum deposit for CDs may vary based on CD product.

Offer: 18 Month CD Special without Active Account. Early withdrawal is subject to penalty.

Requirements

Product: Fixed dividend rate and APY for the initial term. Membership share requirement ($5.00) applies. Early withdrawal penalty may apply. Automatically renewable.

Requirements

Product: Certificate dividends are paid monthly. Penalty may apply for early withdrawal. Rates subject to change.

Offer: Certificate dividends paid monthly. Penalty may apply for early withdrawal.

Requirements

Product: You must deposit a minimum of $500.00 to open a share certificate. Certificates may not be added on to during their term. Withdrawals are limited to the dividends that have been deposited to the certificate. Withdrawals that affect the original amount of the purchase will be subject to a penalty. Automatically renews at the same term and the present rate offered at that time with a 10-day grace period to withdraw funds without penalty.

Requirements

Product: For individual depositors. Must meet membership eligibility requirements and open Membership Share Savings account with a $5 balance. Early withdrawal penalties apply.

Offer: Early withdrawal penalty: 180 Days.

Requirements

Product: A $1,000 minimum opening deposit is required. Maximum deposit of $5,000,000.00 per individual or entity. Jumbo Certificate of Deposits: Balances $100,000 or more add 0.100% to the certificate rate. Early withdrawal penalties apply. Interest may be compounded on the certificate or interest checks/transfers may be received on a monthly, quarterly, semi-annual or maturity basis.

Offer: Early withdrawal penalty: 9 Months. Rate: 3.50% - 3.55% APY.

Requirements

Product: Minimum balance $500. Dividends compound monthly. Early withdrawal penalties apply (3 months interest for terms < 1 year, 6 months interest for terms >= 1 year). Co-op points can be used to increase rate.

Requirements

Product: Membership eligibility requirements apply. Penalty for early withdrawal may be imposed. Fees may reduce earnings. Minimum to earn dividends is $500. Platinum APYs are 0.10% higher for members maintaining total combined monthly household average balances of $50,000+.

Requirements

Product: Federally insured by NCUA up to $250,000. Membership eligibility required. Fixed rate and term. Penalty applies for early withdrawal. 10-day grace period at maturity for penalty-free renewals and additional deposits. Dividends compounded and credited monthly based on daily balance method. Dividends can be paid and transferred monthly to another account (reduces APY).

Offer: Early withdrawal penalty: dividends since issuance/renewal or 180 days dividends, whichever is smaller. Dividends compounded and credited monthly. Daily balance method.

Requirements

Product: $500 minimum opening deposit for Regular Certificates. Penalty for early withdrawal may apply. Additional deposits not permitted after account opening. Early withdrawal penalty: 12 months or less = 90 days' interest; greater than 12 months up to 35 months = 180 days' interest; greater than 35 months = 270 days' interest. 10-day renewal grace period. Optima Club 60 Mo Certificate requires $2,500 minimum opening balance.

Requirements

Product: Requires a Savings account to purchase a certificate. Dividends compounded daily and credited monthly. Penalty will or may be imposed for early withdrawal.

Requirements

Product: Membership eligibility requires living, working, worshipping, attending school, or owning a business in York or Adams County, PA. Minimum balance to open and maintain is $500. Monthly fee is $0. Early withdrawal penalty is 30 days of dividends for terms of 1 year or less, and 90 days of dividends for terms over 1 year.

Offer: A penalty may be imposed for early withdrawal.

Requirements

Product: Interest compounds and is paid quarterly. Certificates over $25,000 add .05% to the rate.

Offer: Certificates over $25,000 add .05% to the rate. Early withdrawal penalty is the lesser of 180 days’ interest or the interest earned.