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Best 18-Month CD Rates - March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | 18-Month CD Rates Last Updated: March 20, 2026

Top 18-month CD rates currently available include Middlesex Federal SavingsMiddlesex Federal SavingsMAA+5.0 ★Texas Ratio: 0.50% offering IRA 18 Month Variable Rate Certificate at 4.59% APY, and Pathways Financial Credit UnionPathways Financial Credit UnionOHA5.0 ★Texas Ratio: 6.58% offering 18 Month Certificate at 4.35% APY, and Dakota Plains Credit UnionDakota Plains Credit UnionNDA5.0 ★Texas Ratio: 8.57% offering 18 Month IRA CD Certificates of Deposit (CDs) at 4.25% APY, and State Bank of NewburgState Bank of NewburgWIA+5.0 ★Texas Ratio: 0.29% offering 18 mo Variable Rate IRA 18 mo Certificate of Deposit at 4.22% APY.

An 18-month CD bridges the gap between short-term flexibility and longer-term yields. It locks in a competitive rate for a year and a half — ideal for savers who want more than a 12-month commitment without tying up funds for two or more years. We display Safety Grades, Star Ratings, and Texas Ratios so you can choose institutions with confidence.

The APYs displayed reflect actual verified offers. Rates are subject to change at the institution’s discretion without notice. A substantial penalty may be imposed for early withdrawal. 18-Month CD Rates Last Updated and Verified: March 20, 2026

18-Month CD Rate Trend

Daily national average APY for 18-month CDs

Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.

View Full CD Rate Trends →
18-Month CD — National Avg
2.592%
▲ 0.098 from last week
Compiled from 3,463 current rates

National 18-month CD rates rose 0.098 points this week to 2.592% APY, up from 2.494% last week.

Powered by MonitorBankRates

Compare the Best 18-Month CD Rates Nationwide

State: Min Deposit:
Institution
Product
Min Deposit
APY
Profile
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
MA
IRA 18 Month Variable Rate Certificate
$100
4.59%
View
▼
Rate4.50%
Min Deposit$100
UpdatedMar 20, 2026
Details

No additional details available.

Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
OH
18 Month Certificate
$100,000
4.35%
View
▼
Rate—
Min Deposit$100,000
UpdatedMar 17, 2026
Details

No additional details available.

Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
ND
18 Month IRA CD Certificates of Deposit (CDs)
$0
4.25%
View
▼
Rate—
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
WI
18 mo Variable Rate IRA 18 mo Certificate of Deposit
$500
4.22%
View
▼
Rate4.15%
Min Deposit$500
UpdatedMar 15, 2026
Details

No additional details available.

WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
WI
18 Month Variable Rate IRA Share Certificates and IRAs
$0
4.18%
View
▼
Rate4.10%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
CA
18-month IRA Traditional & Roth Share Certificates
$1,000
4.15%
View
▼
Rate4.07%
Min Deposit$1,000
UpdatedMar 15, 2026
Details

No additional details available.

Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IN
18 Mo CD Jumbo
$100,000
4.10%
View
▼
Rate—
Min Deposit$100,000
UpdatedMar 16, 2026
Details

Minimum $100,000 Deposit to start

Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
LA
18-Month IRA
$2,000
4.07%
View
▼
Rate4.00%
Min Deposit$2,000
UpdatedMar 17, 2026
Details

No additional details available.

Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
AZ
IRA Certificate 18 Month
$2,000
4.05%
View
▼
Rate—
Min Deposit$2,000
UpdatedMar 20, 2026
Details

No additional details available.

Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
KS
18 Month CD or IRA Jumbo
$500
4.04%
View
▼
Rate4.00%
Min Deposit$500
UpdatedMar 20, 2026
Details

Jumbo

Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
FL
18 Month Market Watch Share Certificate
$500
4.03%
View
▼
Rate—
Min Deposit$500
UpdatedMar 15, 2026
Details

No additional details available.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
CA
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
UT
18 month Certificate (CD)
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
PA
18 Month (Legacy Club) Certificates/IRA Certificates
$0
3.91%
View
▼
Rate3.84%
Min Deposit$0
UpdatedMar 17, 2026
Details

No additional details available.

NORTHERN SKIES
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
AK
Share Certificates 18-Month
$0
3.90%
View
▼
Rate3.84%
Min Deposit$0
UpdatedMar 15, 2026
Details

Under $100,000

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
ME
IRA Certificates 18 month
$500
3.87%
View
▼
Rate3.80%
Min Deposit$500
UpdatedMar 20, 2026
Details

No additional details available.

MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
PA
18-Month Certificates
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
IA
18 Month IRA Certificates
$0
3.84%
View
▼
Rate3.80%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
WA
IRA Certificate of Deposit 18 Month
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
MI
18 Month CD
$0
3.81%
View
▼
Rate3.76%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
AL
18 Month Share Certificates
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★Texas Ratio: 38.20%
NM
IRA 18 Month
$500
3.79%
View
▼
Rate3.75%
Min Deposit$500
UpdatedMar 20, 2026
Details

No additional details available.

Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
PA
18-Month Term Certificate
$0
3.78%
View
▼
Rate3.73%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
TX
18 Month Certificate
$0
3.75%
View
▼
Rate—
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
KS
IRA - 18 Month CD
$1,000
3.73%
View
▼
Rate3.70%
Min Deposit$1,000
UpdatedMar 16, 2026
Details

No additional details available.

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
MO
18 Month Daily Compound CD
$0
3.72%
View
▼
Rate3.65%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

Iowa State Bank Clarksville, IA
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
IA
18 Month Time Certificates
$0
3.71%
View
▼
Rate3.68%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
OH
IRA Share Certificates 18 Month
$0
3.70%
View
▼
Rate3.63%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
MT
18 Month Certificates
$100,000
3.69%
View
▼
Rate3.63%
Min Deposit$100,000
UpdatedMar 16, 2026
Details

No additional details available.

Grant County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
KS
Certificates of Deposit (CDs) 18 Month
$100
3.68%
View
▼
Rate3.65%
Min Deposit$100
UpdatedMar 20, 2026
Details

No additional details available.

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
ME
Variable-Rate IRA Share Certificates 18 Month Term
$25
3.67%
View
▼
Rate3.60%
Min Deposit$25
UpdatedMar 16, 2026
Details

No additional details available.

Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
VA
IRA Certificates - Minimum 18 month
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
UpdatedMar 15, 2026
Details

Balance $1,000

Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
OH
18 month Certificates
$500
3.65%
View
▼
Rate—
Min Deposit$500
UpdatedMar 17, 2026
Details

No additional details available.

Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
OH
18-Month IRA Certificate
$0
3.64%
View
▼
Rate3.60%
Min Deposit$0
UpdatedMar 13, 2026
Details

No additional details available.

FSB of Rosemount
Institution Rating:
F2.5 ★Texas Ratio: 45.47%
MN
IRA/Roth IRA 18 Month+
$0
3.63%
View
▼
Rate3.57%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
IL
18-Month Variable Rate IRA
$0
3.62%
View
▼
Rate—
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
GA
18-Month CD
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
MO
18 Month CD
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
KS
18 Month Share Certificate
$0
3.57%
View
▼
Rate3.60%
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
TX
18 Month IRA Certificate
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
UpdatedMar 17, 2026
Details

No additional details available.

Champion Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
AL
CD Special 18 Month
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

Genesis Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
OH
18 Month Share Certificates
$0
3.54%
View
▼
Rate3.50%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
IL
18 Month Variable Rate Certificate
$1,000
3.53%
View
▼
Rate3.48%
Min Deposit$1,000
UpdatedMar 20, 2026
Details

Rate changes quarterly-Quarterly compounding-<br/>$100.00 minimum additions permitted-IRA fund also permitted

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
TX
Share Certificate Accounts - IRA & Jumbo 18 Month to 23 Month
$0
3.52%
View
▼
Rate3.47%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
FL
548 days / 18 month Share Certificate
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
UpdatedMar 13, 2026
Details

No additional details available.

Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
CO
18 Month Certificates & IRA Certificates
$500
3.50%
View
▼
Rate3.46%
Min Deposit$500
UpdatedMar 18, 2026
Details

No additional details available.

Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
MO
18 Month Certificate
$0
3.49%
View
▼
Rate3.44%
Min Deposit$0
UpdatedMar 18, 2026
Details

Preferred Rate with any checking account

Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
WI
18-Month Term
$30,000
3.48%
View
▼
Rate3.45%
Min Deposit$30,000
UpdatedMar 16, 2026
Details

No additional details available.

VirtualBank National
18 Month CD
$0
3.46%
View
▼
Rate3.40%
Min Deposit$0
UpdatedMar 17, 2026
Details

No additional details available.

Wyrope Williamsport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
PA
18 month Share Certificates
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
UpdatedMar 15, 2026
Details

$25,000+

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
UT
18 Month Share Certificate
$0
3.44%
View
▼
Rate3.40%
Min Deposit$0
UpdatedMar 17, 2026
Details

No additional details available.

Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
WY
18 Month Variable Certificate @ 50% of Wall Street Journal Prime
$0
3.42%
View
▼
Rate3.38%
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
VA
18 month Share Certificate
$100,000
3.41%
View
▼
Rate3.37%
Min Deposit$100,000
UpdatedMar 20, 2026
Details

No additional details available.

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
LA
18 Month CD
$0
3.40%
View
▼
Rate—
Min Deposit$0
UpdatedMar 17, 2026
Details

No additional details available.

First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
IL
18 Month Variable IRA
$500
3.39%
View
▼
Rate3.35%
Min Deposit$500
UpdatedMar 20, 2026
Details

No additional details available.

First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IN
18-month CD
$0
3.38%
View
▼
Rate3.33%
Min Deposit$0
UpdatedMar 20, 2026
Details

Early Withdrawal Penalties: 180 days interest

Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
IN
18 Mo. Certificate
$0
3.35%
View
▼
Rate—
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
TN
18 Month Certificate
$50,000
3.35%
View
▼
Rate3.35%
Min Deposit$50,000
UpdatedMar 17, 2026
Details

No additional details available.

United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
TX
18 Month Certificate
$0
3.34%
View
▼
Rate—
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
MN
18 Month CD
$0
3.33%
View
▼
Rate3.30%
Min Deposit$0
UpdatedMar 16, 2026
Details

Daily Balance of $99,999.01 or more

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
ND
18 Month CD
$2,500
3.31%
View
▼
Rate3.30%
Min Deposit$2,500
UpdatedMar 20, 2026
Details

Substantial Penalty for early withdrawal. Other conditions may apply.

Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
MI
18 month Certificate of Deposit
$0
3.30%
View
▼
Rate—
Min Deposit$0
UpdatedMar 17, 2026
Details

No additional details available.

Security Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
OK
18 Month CD
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
UpdatedMar 11, 2026
Details

No additional details available.

First Federal S&L Newark, OH
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
OH
18 Month CD
$500
3.28%
View
▼
Rate3.25%
Min Deposit$500
UpdatedMar 18, 2026
Details

No additional details available.

Jefferson Financial Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.76%
LA
Jumbo Share & IRA Certificates 18 Month
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
IL
IRA 18 Month Fixed
$0
3.24%
View
▼
Rate3.20%
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
CA
18 Month Certificate
$100,000
3.20%
View
▼
Rate3.15%
Min Deposit$100,000
UpdatedMar 16, 2026
Details

No additional details available.

Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
TX
18 Month CD
$0
3.19%
View
▼
Rate3.15%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
VA
18-Month Share Certificate
$0
3.17%
View
▼
Rate3.13%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
HI
18-Month CD
$1,000
3.15%
View
▼
Rate—
Min Deposit$1,000
UpdatedMar 16, 2026
Details

Deposit must be drawn from a financial institution other than Finance Factors.

Eagle One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
PA
Share/IRA Certificate 18 Month
$500
3.14%
View
▼
Rate3.10%
Min Deposit$500
UpdatedMar 13, 2026
Details

No additional details available.

The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
KS
18 Month Certificate of Deposit
$500
3.13%
View
▼
Rate3.10%
Min Deposit$500
UpdatedMar 18, 2026
Details

No additional details available.

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
TX
18 Month Jumbo Certificate
$50,000
3.11%
View
▼
Rate3.07%
Min Deposit$50,000
UpdatedMar 20, 2026
Details

No additional details available.

Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
CO
18 Month Term Certificates
$500
3.10%
View
▼
Rate3.06%
Min Deposit$500
UpdatedMar 17, 2026
Details

No additional details available.

CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
LA
IRA Certificate 18-Month
$0
3.09%
View
▼
Rate3.05%
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
ND
18 month CD
$1,000
3.08%
View
▼
Rate3.05%
Min Deposit$1,000
UpdatedMar 20, 2026
Details

No additional details available.

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
FL
Share Certificates 18 month
$0
3.07%
View
▼
Rate3.03%
Min Deposit$0
UpdatedMar 13, 2026
Details

No additional details available.

Members Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
WI
IRA Share Certificates 18 Month
$1,000
3.05%
View
▼
Rate3.00%
Min Deposit$1,000
UpdatedMar 20, 2026
Details

Traditional / Roth and Education SAs

Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
TN
18-month TSA/IRA
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
UpdatedMar 16, 2026
Details

No additional details available.

Iron County Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
WI
18 month Share Certificate
$0
3.03%
View
▼
Rate3.00%
Min Deposit$0
UpdatedMar 17, 2026
Details

A penalty may be imposed for early withdrawals.

First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
MN
18 Month Certificates of Deposit
$0
3.02%
View
▼
Rate—
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
AZ
18 Month Term CD
$1,000
3.01%
View
▼
Rate—
Min Deposit$1,000
UpdatedMar 17, 2026
Details

Compounded Monthly

New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
CT
Certificates of Deposit 18 month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
MN
18 Month Certificate
$500
2.99%
View
▼
Rate2.95%
Min Deposit$500
UpdatedMar 15, 2026
Details

No additional details available.

First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
TX
Super Jumbo CDs 18 Month
$225,000
2.98%
View
▼
Rate2.95%
Min Deposit$225,000
UpdatedMar 18, 2026
Details

No additional details available.

Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
IL
18-month - Share Certificates
$0
2.96%
View
▼
Rate2.92%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
CA
18-Month Share Certificates
$0
2.95%
View
▼
Rate2.91%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

SBC Silex Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
MO
18 Month Certificate of Deposit
$0
2.94%
View
▼
Rate2.90%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
WI
18 Month Share Certificate
$500
2.93%
View
▼
Rate2.90%
Min Deposit$500
UpdatedMar 18, 2026
Details

No additional details available.

Heartland State Bank Edgeley, ND
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
ND
18 Month CD
$500
2.92%
View
▼
Rate2.90%
Min Deposit$500
UpdatedMar 20, 2026
Details

No additional details available.

First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
IN
18 Month CD Specials
$500
2.91%
View
▼
Rate—
Min Deposit$500
UpdatedMar 18, 2026
Details

No additional details available.

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
WA
18 Mo. CD
$100
2.90%
View
▼
Rate2.86%
Min Deposit$100
UpdatedMar 15, 2026
Details

No additional details available.

Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
SC
18 Month Variable Rate IRA Certificate
$0
2.89%
View
▼
Rate—
Min Deposit$0
UpdatedMar 16, 2026
Details

$250 Minimum Balance

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
IA
Special Term CDs* 18 Month CD
$10,000
2.88%
View
▼
Rate2.85%
Min Deposit$10,000
UpdatedMar 20, 2026
Details

No additional details available.

Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
TN
18 Month CD
$500
2.86%
View
▼
Rate2.85%
Min Deposit$500
UpdatedMar 20, 2026
Details

Minimum Opening Deposit $500.00

Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
NY
18-Month Term Account
$100,000
2.85%
View
▼
Rate—
Min Deposit$100,000
UpdatedMar 11, 2026
Details

No additional details available.

Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.08%
WA
18 Month Term Share
$0
2.84%
View
▼
Rate2.80%
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
TN
Term Share Certificates 18 Month
$0
2.83%
View
▼
Rate2.80%
Min Deposit$0
UpdatedMar 16, 2026
Details

$1,800 Minimum. Early withdrawal penalty = 90 days dividend earned or not.

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IA
18 Month CD
$50,000
2.82%
View
▼
Rate2.80%
Min Deposit$50,000
UpdatedMar 15, 2026
Details

No additional details available.

Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
WA
18 Month Certificate
$100,000
2.80%
View
▼
Rate—
Min Deposit$100,000
UpdatedMar 18, 2026
Details

No additional details available.

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
OK
18 Month Share Certificate
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
IL
18 Month Certificate
$0
2.77%
View
▼
Rate2.75%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
CT
18 Month Star Relationship CD
$500
2.76%
View
▼
Rate2.69%
Min Deposit$500
UpdatedMar 16, 2026
Details

No additional details available.

Primary Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
NH
18 Month Certificate of Deposit
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

ih Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
OH
18 month certificate
$0
2.73%
View
▼
Rate2.70%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IL
18 Month Certificate
$0
2.72%
View
▼
Rate2.70%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
IA
18 Month Term Share Certificate
$0
2.70%
View
▼
Rate2.68%
Min Deposit$0
UpdatedMar 13, 2026
Details

No additional details available.

Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
KY
18 Month CD
$0
2.68%
View
▼
Rate2.65%
Min Deposit$0
UpdatedMar 11, 2026
Details

No additional details available.

Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
TN
18 Month Share Certificate
$0
2.65%
View
▼
Rate2.62%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
CA
18 Month Certificate
$50,000
2.63%
View
▼
Rate2.60%
Min Deposit$50,000
UpdatedMar 13, 2026
Details

No additional details available.

UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
WI
18 Month Share/IRA Certificate
$0
2.60%
View
▼
Rate2.58%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
CA
18 Month CD 100,000.00+
$100,000
2.58%
View
▼
Rate2.55%
Min Deposit$100,000
UpdatedMar 18, 2026
Details

No additional details available.

OSB Odin State Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.01%
MN
*Special 18 Month IRA CD
$0
2.57%
View
▼
Rate2.55%
Min Deposit$0
UpdatedMar 17, 2026
Details

No additional details available.

New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
MN
Certificates of Deposit 18 month
$0
2.56%
View
▼
Rate2.55%
Min Deposit$0
UpdatedMar 17, 2026
Details

No additional details available.

United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
NY
18-month Share Certificate
$0
2.55%
View
▼
Rate2.52%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
CA
18-Month Share Certificates
$0
2.54%
View
▼
Rate2.50%
Min Deposit$0
UpdatedMar 17, 2026
Details

No additional details available.

Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
AL
18 Month IRA Certificate
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

Fond Du Lac Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
WI
18 Month Certificate
$1,000
2.52%
View
▼
Rate2.50%
Min Deposit$1,000
UpdatedMar 18, 2026
Details

No additional details available.

Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
MN
18 month CD
$2,000
2.51%
View
▼
Rate2.50%
Min Deposit$2,000
UpdatedMar 17, 2026
Details

No additional details available.

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
CA
Special 18 Month Certificate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Harleysville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
PA
18 Month CD
$500
2.47%
View
▼
Rate—
Min Deposit$500
UpdatedMar 20, 2026
Details

No additional details available.

Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IL
18 Month Variable Rate IRA
$250
2.46%
View
▼
Rate2.44%
Min Deposit$250
UpdatedMar 15, 2026
Details

No additional details available.

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
OK
IRA Certificates 18 Month
$0
2.45%
View
▼
Rate2.42%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
MI
18 Mo. Regular, Traditional & Roth IRA
$0
2.43%
View
▼
Rate2.40%
Min Deposit$0
UpdatedMar 17, 2026
Details

No additional details available.

First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
TX
18 Month IRA - Fixed
$0
2.42%
View
▼
Rate2.40%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
IL
18 Month Standard Certificates of Deposit
$5,000
2.41%
View
▼
Rate2.39%
Min Deposit$5,000
UpdatedMar 20, 2026
Details

No additional details available.

Diamond Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IN
18 Month Certificate
$0
2.40%
View
▼
Rate2.38%
Min Deposit$0
UpdatedMar 16, 2026
Details

No additional details available.

Mound City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
WI
18 Month Add On CD
$500
2.39%
View
▼
Rate2.37%
Min Deposit$500
UpdatedMar 20, 2026
Details

No additional details available.

Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
NY
18 Month CD
$1,000
2.38%
View
▼
Rate2.35%
Min Deposit$1,000
UpdatedMar 18, 2026
Details

No additional details available.

Centex Citizens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
TX
18-Month Share/IRA Certificate
$1,000
2.37%
View
▼
Rate2.35%
Min Deposit$1,000
UpdatedMar 18, 2026
Details

No additional details available.

Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
MS
18 Month Certificates
$0
2.35%
View
▼
Rate2.33%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Crane Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
IN
18 Month Share Certificate
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
WY
18 Month Share Certificate
$500
2.31%
View
▼
Rate2.29%
Min Deposit$500
UpdatedMar 18, 2026
Details

No additional details available.

Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
NE
18 Month CD Individual Retirement Account
$0
2.30%
View
▼
Rate—
Min Deposit$0
UpdatedMar 16, 2026
Details

No additional details available.

Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
WA
Fixed Rate Certificates 18 Month
$0
2.28%
View
▼
Rate2.25%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
SD
18 MONTH CERTIFICATE
$1,000
2.27%
View
▼
Rate—
Min Deposit$1,000
UpdatedMar 18, 2026
Details

No additional details available.

Triad Bank, N.A.
Institution Rating:
F2.2 ★Texas Ratio: 48.96%
OK
Certificates 18 Month
$0
2.26%
View
▼
Rate2.25%
Min Deposit$0
UpdatedMar 15, 2026
Details

Under $100,000; comp semi-annually

Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
MT
Term Certificates 18 Month
$0
2.25%
View
▼
Rate2.22%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
ME
18 Month CD / IRA
$500
2.22%
View
▼
Rate—
Min Deposit$500
UpdatedMar 18, 2026
Details

No additional details available.

Sanborn Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
IA
18 Month CD
$1,000
2.21%
View
▼
Rate2.20%
Min Deposit$1,000
UpdatedMar 11, 2026
Details

No additional details available.

American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IL
18 Month Certificate
$1,000
2.20%
View
▼
Rate2.20%
Min Deposit$1,000
UpdatedMar 17, 2026
Details

No additional details available.

Indianhead Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
WI
Share, Roth & Traditional IRA Certificates 18 Month
$1,000
2.19%
View
▼
Rate2.17%
Min Deposit$1,000
UpdatedMar 20, 2026
Details

No additional details available.

Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IA
18 month Certificates of Deposit
$15,000
2.17%
View
▼
Rate2.15%
Min Deposit$15,000
UpdatedMar 16, 2026
Details

DB4 of

Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
TX
18 month CD
$0
2.16%
View
▼
Rate2.14%
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

Itasca Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
IL
Variable 18 Month IRA/SEP
$0
2.15%
View
▼
Rate2.13%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
IL
Certificate of Deposit 18-Month
$1,000
2.13%
View
▼
Rate2.11%
Min Deposit$1,000
UpdatedMar 18, 2026
Details

No additional details available.

Maries County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
MO
18 Month CD
$1,000
2.12%
View
▼
Rate2.10%
Min Deposit$1,000
UpdatedMar 20, 2026
Details

No additional details available.

Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
IN
18 Month Certificates & IRAs
$500
2.10%
View
▼
Rate2.08%
Min Deposit$500
UpdatedMar 20, 2026
Details

No additional details available.

Taylor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
WI
18 Month Certificate
$10,000
2.07%
View
▼
Rate2.05%
Min Deposit$10,000
UpdatedMar 15, 2026
Details

No additional details available.

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
NJ
18-Month Certificate of Deposit
$1,000
2.05%
View
▼
Rate2.03%
Min Deposit$1,000
UpdatedMar 18, 2026
Details

Interest Compounded Daily | Posted Monthly

West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
WV
Share Certificate & IRA Certificate 18 Month
$0
2.03%
View
▼
Rate2.01%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

USSCO JOHNSTOWN
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
PA
18-month Certificates of Deposit
$500
2.02%
View
▼
Rate—
Min Deposit$500
UpdatedMar 15, 2026
Details

No additional details available.

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
PA
18 Month Certificate of Deposit
$0
2.01%
View
▼
Rate2.00%
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

Intercity State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
WI
18 Month CD
$1,000
2.00%
View
▼
Rate1.99%
Min Deposit$1,000
UpdatedMar 20, 2026
Details

No additional details available.

Oshkosh Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
WI
Share Certificates Account 18 Month
$1,000
1.98%
View
▼
Rate1.96%
Min Deposit$1,000
UpdatedMar 15, 2026
Details

No additional details available.

Circuit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
NY
18 month Term Share Accounts
$0
1.97%
View
▼
Rate1.95%
Min Deposit$0
UpdatedMar 16, 2026
Details

No additional details available.

Lyons Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
KS
IRA - 18 Month Variable
$0
1.96%
View
▼
Rate1.95%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
KS
Share Certificate 18 Mo. HSA
$0
1.95%
View
▼
Rate1.93%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
MI
18 MONTH CERTIFICATE
$50
1.92%
View
▼
Rate—
Min Deposit$50
UpdatedMar 17, 2026
Details

No additional details available.

Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
MI
18 Month CD
$1,000
1.91%
View
▼
Rate1.90%
Min Deposit$1,000
UpdatedMar 16, 2026
Details

No additional details available.

Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
WA
18 Month CD
$0
1.90%
View
▼
Rate1.88%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
WA
18 Month Bump Term Certificates
$500
1.86%
View
▼
Rate1.85%
Min Deposit$500
UpdatedMar 20, 2026
Details

No additional details available.

PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
IA
18 Month Certificate of Deposit (CD)
$150,000
1.85%
View
▼
Rate1.84%
Min Deposit$150,000
UpdatedMar 18, 2026
Details

No additional details available.

Citizens Bank & Trust Company NE
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
NE
18 Month IRA Certificate of Deposit
$500
1.81%
View
▼
Rate1.80%
Min Deposit$500
UpdatedMar 18, 2026
Details

No additional details available.

Redbrand Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IL
Share Certificates 18 Month Term
$0
1.80%
View
▼
Rate—
Min Deposit$0
UpdatedMar 11, 2026
Details

Early withdrawal penalty may apply. Annual payout of dividends required.

Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
FL
18 Month Variable IRA
$2,500
1.77%
View
▼
Rate1.75%
Min Deposit$2,500
UpdatedMar 18, 2026
Details

No additional details available.

Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
CO
18 Month Share Certificates/CD's
$0
1.76%
View
▼
Rate1.75%
Min Deposit$0
UpdatedMar 13, 2026
Details

No additional details available.

Interra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
IN
18 month Share Certificate
$500
1.75%
View
▼
Rate—
Min Deposit$500
UpdatedMar 20, 2026
Details

No additional details available.

Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
OH
18 Month Certificate & IRA Certificate
$500
1.70%
View
▼
Rate1.69%
Min Deposit$500
UpdatedMar 16, 2026
Details

$500 minimum balance required. This annual percentage yield is fixed for the entire term of the certificate.

Countryside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
NE
18 Month Certificates of Deposit
$10,000
1.66%
View
▼
Rate1.65%
Min Deposit$10,000
UpdatedMar 18, 2026
Details

No additional details available.

Wheatland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
PA
Jumbo 18 Month Certificate
$100,000
1.65%
View
▼
Rate—
Min Deposit$100,000
UpdatedMar 15, 2026
Details

$100,000.00 minimum deposit to open and earn APY. Penalty for early withdrawal.

Wahoo State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
NE
18 Month Certificates of Deposit
$0
1.61%
View
▼
Rate1.60%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
HI
18-Month Jump Start Add-On Share Certificate
$0
1.60%
View
▼
Rate—
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
TN
18 Month Educational IRA Certificate
$0
1.55%
View
▼
Rate1.54%
Min Deposit$0
UpdatedMar 15, 2026
Details

($100 min. & $2,000 max.)

La Salle State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
IL
IRA Certificates of Deposit 18 Month
$0
1.53%
View
▼
Rate1.52%
Min Deposit$0
UpdatedMar 13, 2026
Details

No additional details available.

Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
IL
Individual Retirement Accounts (IRAs) 18 Month Variable
$0
1.52%
View
▼
Rate—
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

FNB Of Nokomis
Institution Rating:
A5.0 ★Texas Ratio: 8.75%
IL
18 Month CD
$1,000
1.51%
View
▼
Rate1.50%
Min Deposit$1,000
UpdatedMar 20, 2026
Details

No additional details available.

Heritage Bank Wood River, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
NE
Personal & IRA CDs 18 month
$0
1.50%
View
▼
Rate1.49%
Min Deposit$0
UpdatedMar 16, 2026
Details

No additional details available.

Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
AR
18 Month CD
$0
1.46%
View
▼
Rate1.45%
Min Deposit$0
UpdatedMar 13, 2026
Details

No additional details available.

Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
WI
Jumbo Certificates 18-month
$0
1.45%
View
▼
Rate1.44%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
WI
18 Month IRA CD
$100
1.41%
View
▼
Rate1.40%
Min Deposit$100
UpdatedMar 20, 2026
Details

No additional details available.

First State Bank of Fountain
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
MN
18 Month Certificate
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
TX
IRA 18 Month Fixed Rate
$0
1.36%
View
▼
Rate1.35%
Min Deposit$0
UpdatedMar 11, 2026
Details

No additional details available.

Bluff View Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
WI
Add-Vantage FLEX CD (6-18 Month)
$0
1.35%
View
▼
Rate1.35%
Min Deposit$0
UpdatedMar 18, 2026
Details

Interest paid semi-annually or at maturity. Early withdrawal penalty equal to 180 days interest.

Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
WI
Certificate of Deposit (CDs) 18 Month
$1,000
1.31%
View
▼
Rate1.30%
Min Deposit$1,000
UpdatedMar 17, 2026
Details

No additional details available.

Jones Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
NE
18 Month Certificates of Deposit and Individual Retirement Accounts
$0
1.30%
View
▼
Rate1.29%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
MA
18 Month Certificate
$500
1.28%
View
▼
Rate1.25%
Min Deposit$500
UpdatedMar 17, 2026
Details

No additional details available.

Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
MT
18 Month Certificate of Deposit
$1,000
1.27%
View
▼
Rate1.25%
Min Deposit$1,000
UpdatedMar 18, 2026
Details

No additional details available.

Security FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
IN
Business CDs & IntraFi/ICS Accounts 18 Month
$100,000
1.26%
View
▼
Rate1.26%
Min Deposit$100,000
UpdatedMar 11, 2026
Details

No additional details available.

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
NY
18 Month Business Certificate Account
$0
1.25%
View
▼
Rate1.24%
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

Financial Plus Credit Union Ottawa, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IL
18 Month Certificate of Deposit
$0
1.24%
View
▼
Rate—
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
MN
18-Month CD
$1,000
1.21%
View
▼
Rate1.20%
Min Deposit$1,000
UpdatedMar 18, 2026
Details

No additional details available.

First Bankers Trust Company
Institution Rating:
B4.6 ★Texas Ratio: 19.94%
IL
18 Month CD/IRA
$1,000
1.20%
View
▼
Rate1.20%
Min Deposit$1,000
UpdatedMar 18, 2026
Details

No additional details available.

North Shore Trust and Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
IL
18 Month Certificate
$0
1.16%
View
▼
Rate1.15%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Forte Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
WI
18 Month Personal Certificate Of Deposit and Individual Retirement Account
$0
1.15%
View
▼
Rate1.15%
Min Deposit$0
UpdatedMar 20, 2026
Details

No additional details available.

Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IL
18 Month Certificate Accounts
$0
1.11%
View
▼
Rate1.10%
Min Deposit$0
UpdatedMar 18, 2026
Details

No additional details available.

SBT State Bank of Toulon
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
IL
18 Month Certificate & IRA CD
$10,000
1.10%
View
▼
Rate1.10%
Min Deposit$10,000
UpdatedMar 15, 2026
Details

No additional details available.

GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
MI
18 month Certificate
$500
1.06%
View
▼
Rate—
Min Deposit$500
UpdatedMar 20, 2026
Details

No additional details available.

POCU of Maryland
Institution Rating:
A+5.0 ★
MD
18-Month Term Regular & IRA Certificates
$0
1.05%
View
▼
Rate1.04%
Min Deposit$0
UpdatedMar 15, 2026
Details

No additional details available.

Essex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
CT
18 Month Certificate
$500
1.02%
View
▼
Rate1.00%
Min Deposit$500
UpdatedMar 13, 2026
Details

No additional details available.

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

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18-Month CD FAQs

What is an 18-Month Certificate of Deposit (CD)?

An 18-month CD is a savings account that holds a fixed amount of money for 18 months. In exchange for committing your funds for that period, banks typically offer a higher fixed interest rate than standard savings accounts or shorter-term CDs.

How do 18-month CD rates compare to 12-month CDs?

18-month CD rates are often competitive with or slightly higher than 12-month rates, depending on the rate environment. During a flat or inverted yield curve, shorter terms can sometimes offer similar yields, so it pays to compare both.

Is my money safe in an 18-month CD?

Yes. CDs purchased from FDIC-insured banks or NCUA-insured credit unions are protected up to $250,000 per depositor, per institution.

What happens if I withdraw money from an 18-month CD early?

If you withdraw funds before the 18-month maturity date, you will typically face an early withdrawal penalty, which usually equals several months of earned interest. Check your institution's specific terms before opening.

What is APY and how does it differ from the interest rate?

APY (Annual Percentage Yield) reflects the total amount of interest earned in a year, taking compounding into account. The interest rate is the base rate before compounding. APY is always the best number to compare across institutions.

Can I add money to an 18-month CD after opening it?

Traditional CDs do not allow additional deposits after the initial opening. However, some institutions offer add-on CDs that permit additional contributions during the term.

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate 18-month CD rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available 1.5-year CD yields across the country. We feature a comprehensive mix of financial institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.

Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.

Disclaimer: Interest rates are variable and subject to change without notice. It is always advisable to verify current offers directly with the institution’s official website. Last Updated and Verified: March 20, 2026

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