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 1276–1290 of 3,160 results
- Brentwood BankCertificate of DepositCD · 18 months · $2,000 min
Bank · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: CDs with balance at maturity below $2,000 will renew at 0%. Penalties may be imposed for early withdrawal. Fees may reduce earnings.
Effective Oct 9, 2026
Rate checked
More details - Aurora Federal Credit UnionTerm CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: Minimum opening deposit of $500 required. Penalty may be imposed for early withdrawal.
Offer: Penalty may be imposed for early withdrawal.
3.40% interest rate · Effective Sep 2, 2026
Rate checked
More details - Financial Plus Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Offer: $500 minimum deposit
3.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - WESTconsin Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: Dividends calculated daily, credited and compounded monthly (or at maturity for 3 Month). Early withdrawal penalties apply. Rates vary by Membership Value Pricing (MVP) level. Minimum deposit $1,000 ($500 for age 16 and younger) unless otherwise stated.
Offer: Gold MVP Level: active checking with 5+ posted transactions/month and minimum $30,000 average monthly household balance or first mortgage with balance. Compounded monthly.
3.40% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Great Plains State BankCertificate of Deposit (CD)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: Interest compounded quarterly. Automatic CD renewal. Substantial penalty will be imposed for early withdrawal of certificate of deposits.
Offer: Substantial penalty will be imposed for early withdrawal of certificate of deposits.
3.41% interest rate · Compounded quarterly · Effective Sep 28, 2026
Rate checked
More details - Members Credit UnionShare CertificatesCD · 18 months · $2,000 min
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days' dividends earned. Dividends paid monthly. Minimum deposit is $2,000 unless stated otherwise.
3.40% interest rate
Rate checked
More details - Lisbon Community FCUShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: $1,000.00 minimum balance to open a Share Certificate ($250.00 for minors). Terms ranging from 6 months to 5 years. Automatically renewable. $1,000 minimum balance required to earn the APY. Dividends are paid monthly on the average daily balance. Penalty for early withdrawals; withdrawals reduce earnings.
Offer: $1,000 minimum balance required to earn the APY. $250.00 opening minimum for minors. Dividends paid monthly on average daily balance. Penalty for early withdrawals.
3.40% interest rate · Effective Sep 23, 2026
Rate checked
More details - Midcoast Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: Terms from 6 to 60 months. Dividends compounded and credited monthly. Fixed dividend rate and APY remain in effect until maturity. Automatically renews at maturity at the next highest regular term with a 10-day grace period. Early withdrawal penalty applies.
3.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - R.I.A. Federal Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: $500 deposit required to open; $500 daily balance required to earn dividends. Penalties may be imposed for early withdrawal. Fees may reduce earnings. Deposits insured up to $500,000 ($250,000 NCUA + $250,000 Excess Share Insurance). Rates may change at maturity.
Offer: Dividend frequency: Monthly.
3.40% interest rate · Effective Mar 23, 2026
Rate checked
More details - Connected Credit UnionShare CertificatesCD · 18 months · $2,000 min
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: Dividends are based on the average daily balance method, compounded daily and credited monthly. Dividends can be withdrawn each month without penalty.
Offer: Early withdrawal penalty: 180 days.
3.40% interest rate · Compounded daily · Effective Aug 25, 2026
Rate checked
More details - Capital Area Federal Credit UnionCD’s (share certificates)CD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,0003.40% interest rate · Effective Dec 31, 2025
Rate checked
More details - CommonWealth OneShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: Dividends calculated daily and compounded/paid quarterly. Penalty for early withdrawal: 90 days dividends for terms 12 months or less, 180 days dividends for terms over 12 months. Automatically renews at maturity with a 7-day grace period. Additional deposits not permitted except for the 15-month term.
3.40% interest rate
Rate checked
More details - Heritage South Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Offer: With direct deposit and checking account
3.40% interest rate
Rate checked
More details - Union Pacific Streamliner Federal Credit UnionShare CertificateCD · 18 months · $1,000 min · 3.35%–3.60% by balance
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000intro rateRequirements
Product: Rates effective 4/7/25. Early closure penalties apply: 90-day interest for 6-month terms, 120-day interest for 12-month terms, 180-day interest for 18 and 36-month terms.
Offer: Tier I Balance. 180-day early closure penalty.
3.30% interest rate · Effective Apr 7, 2025
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and up 3.35% $10,000 and upYour amountTier II Balance (labeled Tier I in text). 3.45% $95,000 and upSpecial Balance. 3.60% Rate checked
More details - Postel Family Credit UnionCertificate of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: PFCU is open to anyone who works, resides, worships or attends school in Archer, Baylor, Clay, Wichita or Wilbarger Counties in Texas and to employees of select employee groups along with the families of existing members. All certificate dividends are paid monthly. Interest penalty for early withdrawal of principal. Fixed rates remain in effect until maturity. Rates are subject to change daily.
3.40% interest rate · Effective Mar 2, 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
3,160 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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