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 1306–1320 of 3,160 results
- Southeastern Ohio Credit UnionShare CertificateCD · 18 months
Credit union · Add a location to see nearby branches
3.40%APY$515 over 18 months on $10,000Requirements
Product: Monthly interest paid on all accounts. Early withdrawal penalties may apply. Rates are subject to change without notice.
Offer: Monthly interest paid on all accounts. Early withdrawal penalties may apply.
3.35% interest rate · Effective Aug 3, 2026
Rate checked
More details - UMe Credit UnionCertificates (CDs)CD · 12–23 months · $2,000 min
Credit union · Add a location to see nearby branches
3.40%APYRequirements
Product: Minimum $2,000 opening deposit. Dividends based on average daily balance and posted monthly. Fixed rates for the term purchased. Subject to early withdrawal penalties. Membership requires living, working, attending school, or worshipping in Burbank, or a $10 donation to the Burbank Arts & Education Foundation. Additional 0.10% for Jumbo Certificates $50,000 and more.
Offer: Minimum average daily balance required to earn dividends. Rate fixed for term.
3.35% interest rate
Rate checked
More details - Sidney FCURegular CertificatesCD · 18 months · $500 min · 3.40%–3.65% by balance
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000Requirements
Product: Effective as of October 23, 2026. Dividends calculated by average daily balance. Variable Rate Certificates: rates only change upon written request (1 change for 12-month, 2 changes for 24/36-month). Terms of 9 months or less subject to 90-day dividend penalty; terms of 10 months or more subject to 180-day dividend penalty. Withdrawals, deposits, or change of terms penalty-free within 5 business days after maturity. $5 minimum deposit in primary savings required for membership.
Offer: Fixed Rate. Minimum balance to open $500.
3.35% interest rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Regular Certificates Balance APY $500 and upYour amount 3.40% $100,000 and up 3.65% Rate checked
More details - Northeast Community Credit Union18 Month Certificate AccountCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000 - Gulf Winds Credit UnionTerm Share Certificate AccountsCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000Requirements
Product: Compounded monthly. Membership eligibility required. Account opening subject to approval. Early withdrawal penalties may apply. Automatic renewal at maturity. 18 and 48-month Term Certificate applications not currently available online.
Offer: Compounded monthly. 18-month applications not currently available online.
3.35% interest rate · Compounded monthly
Rate checked
More details - Options Credit UnionCertificates (CD)CD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000Requirements
Product: Minimum balance to open and earn is $500. Compounds monthly. Advantage Members can receive a +0.25% rate boost and Premier Advantage Members can receive a +0.50% rate boost on new certificates.
Offer: Premier Advantage APY with +0.50% rate boost. Early withdrawal penalty is 180 days interest.
Effective Oct 20, 2026
Rate checked
More details - Torrington Savings BankCertificates of Deposit (CD)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000Requirements
Product: $1,000 minimum deposit to open. Terms from 3 to 60 months. Interest is compounded daily and credited monthly and may be withdrawn before maturity. Early withdrawal penalty: for terms from 3 months to 1 year, penalty is 3 months simple interest; for terms of more than one year, penalty is 6 months simple interest.
Offer: Early withdrawal penalty is 6 months simple interest.
3.34% interest rate · Compounded daily
Rate checked
More details - Dakotaland Federal Credit UnionCertificate of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000intro rateRequirements
Product: Early withdrawal penalties apply. Members may do a rate change option one time to certificate terms 24, 36, 48 and 60 months (specials excluded) if the current market rate for the matching term increases. No maintenance fees. Dividends compounded quarterly (or paid out).
Offer: Standard Rate. Compounded quarterly.
Promotional rate · 3.36% interest rate · Compounded quarterly · Effective Sep 1, 2026
Rate checked
More details - SIU Credit UnionTerm Share CertificateCD · 18–23 months · $500 min · 3.40%–3.50% by balance
Credit union · Add a location to see nearby branches
3.40%APYRequirements
Product: Membership Share dividends are declared monthly by the Board of Directors. Members can take advantage of our Loyalty Bundle and qualify for an additional rate bump (up to .15%) when they use our SIUCU Credit Card or Checking account. Subject to maturity. Rates discounts not reflected above.
3.35% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 – $50,000Your amount 3.40% $50,000 and up 3.50% Rate checked
More details - Cross County Savings BankCertificate of Deposit (CD)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,0003.34% interest rate · Effective Oct 16, 2026
Rate checked
More details - PremierOne Credit UnionRegular Share CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000Requirements
Product: Membership requires maintaining at least 1 share ($5.00 par value). 10-day grace period after maturity. Dividends calculated by average daily balance method, credited and compounded monthly. Early withdrawal penalties apply. Partial withdrawals are not allowed.
3.35% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate checked
More details - Freedom Bank of Southern MissouriCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000Requirements
Product: Automatically renewable at maturity.
3.36% interest rate · Effective Jun 15, 2026
Rate checked
More details - WeStreet Credit UnionCertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000Requirements
Product: Dividends compounded quarterly. Early withdrawal penalty may be imposed. Fees could reduce earnings. 7-month Certificate automatically renews into a 6-month Certificate; all other terms automatically renew with the same term. No maintenance fees.
Offer: Quarterly compounding. Early withdrawal penalty may be imposed.
3.36% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Cobalt Credit UnionCertificateCD · 18 months · $1,000 min · 3.40%–3.50% by balance
Credit union · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000with conditionsRequirements
Product: 7 day grace period upon maturity. Compounded quarterly. Minimum opening deposit $1,000. Early withdrawal penalty applies. Borrow against funds with certificate loan. Member Loyalty Rate provides 0.15% APY increase with qualifying checking direct deposit, loan/card, and good standing.
Offer: Member Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing.
Qualified rate · Compounded quarterly
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $100,000Your amount 3.40% $100,000 and up 3.50% Rate checked
More details - Franklin Savings BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.40%APY$514 over 18 months on $10,000Requirements
Product: Interest is compounded and credited monthly on a 365/365 day basis. Substantial penalty for early withdrawal.
3.35% interest rate · Effective Oct 5, 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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