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 1381–1395 of 3,160 results
- Scott 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 compounded daily and paid monthly for 6-month terms, and quarterly for terms 1 year and longer. Automatic renewal at maturity unless presented for payment within 10 days. Early withdrawal penalty applies: terms 91 days or less forfeit all dividends; terms >91 days up to 12 months forfeit lesser of 90 days dividends or all dividends paid; terms >12 months up to <48 months forfeit lesser of 182 days dividends or all dividends paid; terms 48 months or greater forfeit lesser of 365 days dividends or all dividends paid.
Offer: Dividends compounded quarterly, balance method daily, paid quarterly.
Compounded daily · Effective May 19, 2026
Rate checked
More details - Temple Santa Fe Credit UnionCertificates of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.35%APY$507 over 18 months on $10,000Requirements
Product: Offered from six months to three years. Early withdrawal penalties will or may be imposed on term share accounts. Fees could reduce earnings.
Offer: Early withdrawal penalty will or may be imposed on term share accounts. Fees could reduce earnings.
3.30% interest rate · Effective Feb 24, 2026
Rate checked
More details - Sterling Federal Credit UnionShare Certificates / CDsCD · 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: Early withdrawal penalties apply. Dividends are paid and compounded monthly. Rate is specific to the term.
Compounded monthly · Effective Aug 18, 2026
Rate checked
More details - United Community Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.34%APY$505 over 18 months on $10,000Requirements
Product: With a minimum deposit of $1,000, you can choose to invest your funds for as little as six months or as long as 60 months. Interest compounds daily and is paid quarterly or at maturity to your certificate of deposit, savings or checking account. There is a penalty for early withdrawal of funds.
Effective Sep 2, 2025
Rate checked
More details - Ukrainian National Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.34%APY$505 over 18 months on $10,000Requirements
Product: Dividends on 3-month and 6-month share certificates are accrued daily and credited at maturity. Dividends on share certificates termed 12 months or longer are accrued daily and credited quarterly. Additions not permitted until maturity. Early withdrawal penalty applies (50% of dividend that would be earned over term on amount withdrawn). Membership eligibility required.
Offer: Dividends accrued daily and credited quarterly.
3.30% interest rate · Effective Aug 11, 2026
Rate checked
More details - Solutions Credit UnionCertificates of Deposit (CDs)CD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.34%APY$505 over 18 months on $10,000Requirements
Product: Opening balance of $1,000 required.
Offer: 18-month term.
3.30% interest rate
Rate checked
More details - Wray State BankWindsor State Bank Certificate of DepositCD · 18 months · $200 min · 3.34%–3.44% by balance
Bank · Add a location to see nearby branches
3.34%APY$505 over 18 months on $10,000Requirements
Product: The APY assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal of funds. Fees may reduce earnings. Automatically renews at maturity. Speak to a banker for details, fees and terms.
Effective Sep 14, 2026
Rate by balance
Rate by balance for Windsor State Bank Certificate of Deposit Balance APY $200 and upYour amount 3.34% $50,000 and up 3.44% Rate checked
More details - Southside BankCertificates of DepositCD · 18 months · $1,000 min · 3.34%–3.55% by balance
Bank · Add a location to see nearby branches
3.34%APY$505 over 18 months on $10,000intro rateRequirements
Product: A penalty may be imposed for early withdrawal prior to maturity. Minimum deposit to open and minimum balance required to obtain disclosed APY vary by balance tier.
Offer: Must maintain a minimum balance of $1,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal.
Promotional rate · 3.30% interest rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $99,999Your amount 3.34% $100,000 and up 3.55% Rate checked
More details - Bank of Travelers RestCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.34%APY$505 over 18 months on $10,0003.30% interest rate · Effective Oct 20, 2026
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More details - First National Bank of CommerceCertificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.34%APY$505 over 18 months on $10,000Requirements
Product: Rates fixed during term; established weekly. Accounts automatically renew at maturity at the rate in effect at maturity. Early withdrawal penalties may apply. Interest compounded quarterly or monthly check only if over $50.00; no monthly compounding on any CD. For balances over $250,000.01, please see an officer.
3.55% interest rate · Compounded quarterly · Balance cap $250,000.01 · Effective Aug 6, 2025
Rate checked
More details - Farmers Bank of WillardsCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.33%APY$504 over 18 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings. Compounded quarterly or interest payment via check or transfer. Minimum of $500 to open for 12 Month Term only for under 18 years old.
Offer: Rates under $100,000. Minimum of $1,000 to open account.
3.29% interest rate · Compounded quarterly · Balance cap $99,999.99 · Effective Oct 21, 2026
Rate checked
More details - Loyalty CUShare CertificateCD · 18 months · $250 min
Credit union · Add a location to see nearby branches
3.32%APY$502 over 18 months on $10,000Requirements
Product: Minimum balance of $250 required. Penalty for early withdrawal applies.
Offer: Penalty for early withdrawal applies.
3.27% interest rate · Effective Mar 1, 2025
Rate checked
More details - Alamo City Credit UnionCertificatesCD · 18 months · $5,000 min
Credit union · Add a location to see nearby branches
3.32%APY$502 over 18 months on $10,000Requirements
Product: Early withdrawal from certificates will be subject to a penalty of 1/2 of dividends earned. Members should call the credit union to verify rates.
3.28% interest rate · Effective Dec 11, 2025
Rate checked
More details - Justice Federal Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.31%APY$501 over 18 months on $10,000with conditionsRequirements
Product: Rate includes a 0.10% (10 basis points) Justice National Account (JNA) or Beyond the Badge Checking Account relationship rate increase on new and renewed certificate accounts. Certificate rate increase effective by end of day on date of opening or renewal. Accounts must be under the same Member Number. Relationship rate will be reduced to original dividend rate for remainder of term if checking account is closed. Penalty for early withdrawal: 90 days of dividends for terms of 12 months or less; 180 days of dividends for terms of 13 months or more.
Offer: Relationship rate includes 0.10% boost.
Qualified rate · 3.27% interest rate · Effective Oct 1, 2026
Rate checked
More details - Natural Resources Conservation Service FCUTerm Share Certificate AccountsCD · 18 months · 0.00%–3.51% by balance
Credit union · Add a location to see nearby branches
3.31%APY$501 over 18 months on $10,000Requirements
Offer: Current rate
Rate by balance
Rate by balance for Term Share Certificate Accounts Balance APY Up to $1,000 0.00% $1,000 – $4,999New Member/New Money 3.08% $5,000 – $9,999New Member/New Money 3.20% $10,000 – $24,999Your amountNew Member/New Money 3.31% $25,000 – $49,999New Member/New Money 3.41% $50,000 and upNew Member/New Money 3.51% Rate checked
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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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- Quorum Federal Credit UnionCredit union
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