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 1216–1230 of 3,160 results
- Charles River BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Rates are guaranteed for the length of the term on fixed-rate certificates. For variable rate accounts, the rate may change after the account is opened. Penalty will be imposed for early withdrawal. Fees could reduce earnings.
3.45% interest rate · Effective Sep 30, 2025
Rate checked
More details - 3.50%APY$530 over 18 months on $10,000
Requirements
Product: Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
3.45% interest rate · Effective Mar 13, 2026
Rate checked
More details - First Commerce BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Interest begins to accrue on the day the deposit is made and is calculated by the daily balance method. Penalty will be imposed for early withdrawal.
3.50% interest rate
Rate checked
More details - Farmers State BankCertificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000intro rateRequirements
Product: A $500.00 minimum balance is required to open. CD interest is calculated on the daily balance method. APY is based on semi-annual compounding except terms of 91 days or less. Early withdrawal penalty may be imposed. Single maturity certificates draw no interest after maturity. New customer CDs require visiting the bank in person.
Promotional rate · 3.47% interest rate · Effective Aug 11, 2026
Rate checked
More details - Service 1 Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: No setup or maintenance fees. $500 minimum deposit to open. Early withdrawal penalties: 12 months or less – 90 days of dividends; 18, 24 & 30 mo. – 180 days of dividends; 36, 48 & 60 mo. – 365 days of dividends.
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More details - Public Service Credit UnionRelationship CDCD · 18 months · $500 min · up to $10,000
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000with conditionsRequirements
Product: Requirements: Direct Advantage Savings or Direct Advantage Plus Savings, Direct Deposit of at least $800 or $5000 loan balance. No Monthly Fees.
Offer: Dividends paid Annually (rates table) / quarterly (features text). Direct Deposit of at least $800 or $5000 loan balance required.
Qualified rate · 3.50% interest rate · Effective Sep 17, 2026
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More details - Lake Michigan Credit UnionCertificates of Deposit (CDs)CD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000with conditionsRequirements
Product: Minimum opening balance of $500. $5 member savings balance required for membership. Rates subject to change. Early withdrawal penalty may apply.
Offer: Includes 0.25% MORE VIP Relationship Reward Bonus (400+ points).
Qualified rate · 3.45% interest rate · Effective Sep 18, 2026
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More details - Team One Credit UnionCertificates of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: No additional deposits during the CD term. Early withdrawal penalties may apply. Funds can be used as collateral for a Certificate Secured Loan.
3.45% interest rate
Rate checked
More details - Southern Lakes Credit UnionTerm Share CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,0003.46% interest rate · Effective Dec 31, 2025
Rate checked
More details - 3.50%APY$530 over 18 months on $10,000intro rate
Requirements
Product: FDIC-Insured. At maturity, 9-month auto-renews as 12-month, 18-month auto-renews as 18-month, 27-month auto-renews as 24-month, 36-month auto-renews as 36-month. Subject to early withdrawal penalty. Fees may reduce earnings. Limited time offer.
Offer: At maturity, the 18 month CD will automatically renew as a 18 month CD. Subject to early withdrawal penalty.
Promotional rate · 3.45% interest rate · Effective Apr 1, 2026
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More details - Ohio Healthcare FCURegular CertificatesCD · 18 months · $250 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly. Rates fixed for term. Early withdrawal penalty applies: 90 days dividends for terms 12 months or less, 180 days dividends for terms over 12 months. Insured by NCUA up to $250,000.
3.44% interest rate · Compounded daily · Effective Apr 1, 2026
Rate checked
More details - TopMark Federal Credit UnionShare CertificateCD · 18 months · $500 min · 3.05%–3.50% by balance
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Membership with TFCU is required to open a certificate. Minimum opening deposit of $500.00. Early withdrawal penalties may apply. After maturity, automatically renews at current rate unless indicated otherwise. Withdrawal of dividends prior to maturity will reduce earnings.
3.01% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $5,000 3.05% $5,000 and upYour amount 3.50% Rate checked
More details - CrossRoads Community Federal Credit UnionTerm Share CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Dividends are compounded and credited to account quarterly. APY assumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal. Rates may change daily due to market conditions.
3.45% interest rate · Effective Feb 27, 2026
Rate checked
More details - Greenville Savings BankCertificates of Deposit (CDs)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Greenville Savings Bank will only accept new deposits from walk-in customers. Minimum opening deposit is $500.00. Early withdrawal penalties may apply. Fees may reduce earnings.
Offer: 18 Month term. Must maintain an account balance of $500.00 or greater to earn APY.
3.45% interest rate · Effective Sep 14, 2026
Rate checked
More details - Top Tier Federal Credit UnionTerm CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Minimum purchase amount of $500 with no maximum purchase amount. Terms range from 3 months to 5 years. Early withdrawal penalties may apply.
Offer: Early withdrawal penalty may be imposed.
Effective Jul 1, 2026
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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
3,160 CDs at 2,794 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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