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 1366–1380 of 3,160 results
- Bank MidwestCertificates of DepositCD · 18 months · $500 min · 3.35%–3.45% by balance
Bank · Add a location to see nearby branches
3.35%APY$507 over 18 months on $10,000Requirements
Product: Penalty will be imposed for early withdrawal: maturity 182 days or less is equal to 90 days of simple interest; 12 to 24 months is equivalent to 180 days of simple interest; 30 to 60 months is equivalent to 360 days of simple interest. Penalty does not apply upon death or judicially declared incompetence of the owner.
Offer: 18-month Certificate of Deposit
3.30% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $250,000Your amount 3.35% $250,000 and up 3.45% Rate checked
More details - LOC Credit UnionHeroes CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.35%APY$507 over 18 months on $10,000with conditionsRequirements
Product: Requires enrollment in Loving Our Communities Heroes Program. $1,000 minimum deposit required to earn Heroes Certificate rates. Rates only apply to those opened after program enrollment (or switched at maturity). Penalty for early withdrawal will apply. Membership open to anyone who lives, works, worships, or attends school in Michigan, or immediate family/household.
Offer: Dividends paid monthly; 180 days early withdrawal penalty.
Qualified rate · 3.30% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.35%APY$507 over 18 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal on Certificates of Deposit. The minimum balance to open each account is shown and it is also the amount needed to obtain the stated APY. APY assumes interest will remain on deposit and withdrawal may reduce earnings.
Offer: 18 Month CD
Effective Sep 29, 2026
Rate checked
More details - Family Savings Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.35%APY$507 over 18 months on $10,000Requirements
Product: Dividends compounded quarterly. The Annual Percentage Yield (APY) and interest rate assume that interest is to be added to the principal and remain in the account until the maturity of the certificate. An early withdrawal penalty of 2% of the principal balance or 1 year of interest, whichever is less, will apply if any funds are withdrawn from the certificate before the maturity date.
Offer: Dividends compounded quarterly. Early withdrawal penalty applies.
3.31% interest rate · Compounded quarterly · Effective Sep 21, 2026
Rate checked
More details - FedChoice Federal Credit UnionShare CertificatesCD · 18 months · $500 min · 3.35%–3.40% by balance
Credit union · Add a location to see nearby branches
3.35%APY$507 over 18 months on $10,000intro rateRequirements
Product: $500 Minimum Opening Balance. Dividends are Compounded/Credited Quarterly on Regular Share Certificate terms. Term Certificate accounts may be subject to penalties for early withdrawal.
Offer: 18 Months Regular. FedPerks APY applied when member is a FedPerks Member. Dividends compounded/credited quarterly.
Promotional rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $49,999Your amount 3.35% $50,000 and up18 Months Mini-Jumbo. 3.40% Rate checked
More details - WyHy Federal Credit UnionTerm CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.35%APY$507 over 18 months on $10,000Requirements
Product: Fixed rate for term, quarterly paid interest/dividends. Rates can increase by 0.025% APY using available balance from Smart Points accumulation (for terms of 24 months or longer).
3.31% interest rate · Effective Mar 1, 2026
Rate checked
More details - Farm Bureau BankCertificate of Deposit [CD]CD · 18 months · $1,000 min · 3.35%–3.45% by balance
Bank · Add a location to see nearby branches
3.35%APY$507 over 18 months on $10,000Requirements
Product: Interest is compounded daily and paid monthly. Early withdrawal penalties apply and may reduce earnings. Only withdrawals of interest credited are allowed prior to maturity. Automatically renewed at the current rate for the same term.
3.30% interest rate · Compounded daily
Rate by balance
Rate by balance for Certificate of Deposit [CD] Balance APY $1,000 – $49,999Your amount 3.35% $50,000 and upJumbo CD tier. 3.45% Rate checked
More details - First United BankRegular Certificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.35%APY$507 over 18 months on $10,000Requirements
Product: Interest is compounded and paid quarterly. Penalty may be imposed for early withdrawal.
Offer: Term: 18 Months. Early withdrawal penalty may apply.
3.31% interest rate · Effective Dec 11, 2025
Rate checked
More details - Priority Credit UnionCertificate of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.35%APY$507 over 18 months on $10,0003.30% interest rate
Rate checked
More details - WCLA Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.35%APY$507 over 18 months on $10,000Requirements
Product: Share Certificates are automatically renewed at maturity without a grace period. Early withdrawal penalty applies.
Offer: Early withdrawal penalty: 180 days’ dividends.
3.30% interest rate · Effective Sep 17, 2026
Rate checked
More details - Old Dominion National BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.35%APY$507 over 18 months on $10,000Requirements
Product: Interest accrues daily and credited in accordance with product statement cycle. Early withdrawal penalties apply. Fees may reduce earnings.
3.31% interest rate · Effective Sep 17, 2026
Rate checked
More details - San Antonio Citizens Federal Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.35%APY$507 over 18 months on $10,000Requirements
Product: Dividends are compounded daily and credited monthly to the certificate. Penalties for early withdrawal apply.
3.29% interest rate · Compounded daily
Rate checked
More details - Liberty Bay Credit UnionCertificates of Deposit (CDs)CD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.35%APY$507 over 18 months on $10,000Requirements
Product: Dividends are compounded daily and paid monthly. Rates are fixed and guaranteed for the term of the certificate. Early withdrawals of principal are subject to penalty.
3.30% interest rate · Compounded daily · Effective Jun 17, 2026
Rate checked
More details - US Community Credit UnionCertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.35%APY$507 over 18 months on $10,000Requirements
Product: Membership required with $5 par value share deposit. Penalty for early withdrawal. Rates prospective/current as of 9-11-2026.
Offer: Monthly dividends.
Effective Sep 11, 2026
Rate checked
More details - Public Service Credit UnionCD - Tier CDCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.35%APY$507 over 18 months on $10,000Requirements
Product: Requirements: Savings Account, Minimum Deposit of $500. No Monthly Fee. 1x bump feature allows members with long-term CDs to benefit in a rising rate market. Product features a Step Up feature where you can adjust your interest rate if it goes up.
Offer: Tier I. Dividends Paid annually.
3.35% interest rate · Effective Sep 17, 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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