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Best 18-Month CD Rates - April 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: April 5, 2026

Top 18-month CD rates currently available include Middlesex Federal SavingsMiddlesex Federal Savings1 College Ave, Somerville, MA 02144A+5.0 ★Texas Ratio: 0.50% offering IRA 18 Month Variable Rate Certificate at 4.59% APY, and Pathways Financial Credit UnionPathways Financial Credit Union5665 N Hamilton Rd, Columbus, OH 43230A5.0 ★Texas Ratio: 6.58% offering 18 Month Certificate at 4.35% APY, and CFCU Community Credit UnionCFCU Community Credit Union1030 Craft Rd, Ithaca, NY 14850A+5.0 ★Texas Ratio: 4.92% offering 18-month IRA Certificate at 4.25% APY, and State Bank of NewburgState Bank of Newburg300 Congress Dr Hwy 33, Newburg, WI 53060A+5.0 ★Texas Ratio: 0.29% offering 18 mo Variable Rate IRA 18 mo Certificate of Deposit at 4.22% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.

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: April 5, 2026

Compare the Best 18-Month CD Rates Nationwide

State: Min Deposit:
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1 College Ave, Somerville, MA 02144
IRA 18 Month Variable Rate Certificate
$100
4.59%
View
▼
Rate4.50%
Min Deposit$100
UpdatedApr 2, 2026
Details

No additional details available.

Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
5665 N Hamilton Rd, Columbus, OH 43230
18 Month Certificate
$100,000
4.35%
View
▼
Rate—
Min Deposit$100,000
UpdatedMar 24, 2026
Details

No additional details available.

CFCU Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1030 Craft Rd, Ithaca, NY 14850
18-month IRA Certificate
$0
4.25%
View
▼
Rate—
Min Deposit$0
UpdatedMar 28, 2026
Details

Now through April 15, earn up to 4.25% APY

State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
300 Congress Dr Hwy 33, Newburg, WI 53060
18 mo Variable Rate IRA 18 mo Certificate of Deposit
$500
4.22%
View
▼
Rate4.15%
Min Deposit$500
UpdatedMar 28, 2026
Details

No additional details available.

WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
3227 Schneider Ave SE, Menomonie, WI 54751
18 Month Variable Rate IRA Share Certificates and IRAs
$0
4.18%
View
▼
Rate4.10%
Min Deposit$0
UpdatedMar 29, 2026
Details

No additional details available.

Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
18-month IRA Traditional & Roth Share Certificates
$1,000
4.15%
View
▼
Rate4.07%
Min Deposit$1,000
UpdatedMar 28, 2026
Details

No additional details available.

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
3700 South Blvd, Charlotte, NC 28209
Jumbo CD senior 18-month
$50,000
4.10%
View
▼
Rate—
Min Deposit$50,000
UpdatedMar 28, 2026
Details

No additional details available.

Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
1420 Natchitoches St, West Monroe, LA 71292
18-Month IRA
$2,000
4.07%
View
▼
Rate4.00%
Min Deposit$2,000
UpdatedMar 24, 2026
Details

No additional details available.

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
126 N Grand Ave, Cowden, IL 62422
18-Month CD Term
$1,000
4.05%
View
▼
Rate—
Min Deposit$1,000
UpdatedApr 4, 2026
Details

No additional details available.

Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
18 Month CD or IRA Jumbo
$500
4.04%
View
▼
Rate4.00%
Min Deposit$500
UpdatedApr 3, 2026
Details

Jumbo

Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3815 N Nebraska Ave, Tampa, FL 33603
18 Month Market Watch Share Certificate
$500
4.03%
View
▼
Rate—
Min Deposit$500
UpdatedMar 28, 2026
Details

No additional details available.

NORTHERN SKIES
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK 99508
Share Certificates 18-Month
$0
4.00%
View
▼
Rate3.94%
Min Deposit$0
UpdatedMar 28, 2026
Details

No additional details available.

Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
18-Month Certificates of Deposit (CDs)
$0
3.97%
View
▼
Rate3.90%
Min Deposit$0
UpdatedApr 4, 2026
Details

No additional details available.

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
18 Month Promo CD
$500
3.95%
View
▼
Rate3.89%
Min Deposit$500
UpdatedMar 27, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
18 Month (Legacy Club) Certificates/IRA Certificates
$0
3.91%
View
▼
Rate3.84%
Min Deposit$0
UpdatedMar 25, 2026
Details

No additional details available.

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
18 Month Share One-Time Bump Certificates of Deposit
$0
3.90%
View
▼
Rate—
Min Deposit$0
UpdatedMar 24, 2026
Details

Automatic Renewal to Regular Certificate

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
18 Month IRA Jumbo
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
UpdatedApr 2, 2026
Details

No additional details available.

Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
312 N 4TH AVE, EVANSVILLE, IN 47710
18 Mo CD
$500
3.85%
View
▼
Rate—
Min Deposit$500
UpdatedApr 4, 2026
Details

Minimum $500 Deposit to start

FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
IRA Certificates 18 Month
$0
3.84%
View
▼
Rate3.80%
Min Deposit$0
UpdatedApr 2, 2026
Details

No additional details available.

KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
316 W River RD, Augusta, ME 04330 3992
18 Month Share, IRA & HSA Certificates of Deposit
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
UpdatedMar 24, 2026
Details

No additional details available.

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
100 University Ave, Des Moines, IA 50314 3121
18-month IRA Share Certificates
$250
3.81%
View
▼
Rate3.75%
Min Deposit$250
UpdatedMar 25, 2026
Details

No additional details available.

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
18 Month Share Certificates
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
UpdatedMar 29, 2026
Details

No additional details available.

CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
150 E Mound St, Columbus, OH 43215
Share Certificates & IRA Certificates 18-month bump
$50,000
3.79%
View
▼
Rate3.73%
Min Deposit$50,000
UpdatedApr 4, 2026
Details

Over $50,000

Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
1129 State St, Erie, PA 16501 1911
18-Month Term Certificate
$0
3.78%
View
▼
Rate3.73%
Min Deposit$0
UpdatedMar 28, 2026
Details

No additional details available.

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
18 mo. Share Certificate
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
UpdatedMar 25, 2026
Details

No additional details available.

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18207 Burnham Ave, Lansing, IL 60438
18 Month Variable Rate Certificate
$1,000
3.73%
View
▼
Rate3.68%
Min Deposit$1,000
UpdatedApr 3, 2026
Details

Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
310 W 92 Hwy, Kearney, MO 64060
18 Month Daily Compound CD
$0
3.72%
View
▼
Rate3.65%
Min Deposit$0
UpdatedApr 3, 2026
Details

No additional details available.

Iowa State Bank Clarksville, IA
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
100 N Main St, Clarksville, IA 50619
18 Month Time Certificates
$1,000
3.71%
View
▼
Rate3.68%
Min Deposit$1,000
UpdatedApr 3, 2026
Details

No additional details available.

Benchmark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1522 McDaniel Dr, West Chester, PA 19380
18 MONTH Certificate
$500
3.70%
View
▼
Rate3.63%
Min Deposit$500
UpdatedApr 2, 2026
Details

No additional details available.

Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1111 24th St W, Billings, MT 59102 3809
18 Month Certificates
$100,000
3.69%
View
▼
Rate3.63%
Min Deposit$100,000
UpdatedApr 2, 2026
Details

No additional details available.

Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
22315 Michigan Ave, Dearborn, MI 48124
18 MONTH VARIABLE RATE IRA
$100
3.68%
View
▼
Rate3.62%
Min Deposit$100
UpdatedApr 4, 2026
Details

(The interest rate and APY may change after account opening)

DOVER PHILA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
119 Fillmore Ave, Dover, OH 44622 2061
18 Month Certificate
$0
3.67%
View
▼
Rate3.60%
Min Deposit$0
UpdatedMar 25, 2026
Details

No additional details available.

Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ 07801
18 month IRA share certificate
$500
3.66%
View
▼
Rate3.60%
Min Deposit$500
UpdatedMar 28, 2026
Details

No additional details available.

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX 77090 6716
18 Month Certificate - New Deposits
$25,000
3.65%
View
▼
Rate3.59%
Min Deposit$25,000
UpdatedApr 4, 2026
Details

No additional details available.

Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
3845 Angola Rd, Toledo, OH 43615
18-Month IRA Certificate
$0
3.64%
View
▼
Rate3.60%
Min Deposit$0
UpdatedMar 25, 2026
Details

No additional details available.

First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
4387 N Illinois St, Swansea, IL 62226
18-Month Variable Rate IRA
$0
3.62%
View
▼
Rate—
Min Deposit$0
UpdatedApr 3, 2026
Details

No additional details available.

Northeast Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
233 Main St, Manchester, CT 06042 3539
18 Month Share or IRA Certificate
$0
3.61%
View
▼
Rate—
Min Deposit$0
UpdatedApr 4, 2026
Details

No additional details available.

First Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
1000 S Main St, Emerson, NE 68733
18-Month Certificate
$500
3.60%
View
▼
Rate3.55%
Min Deposit$500
UpdatedApr 4, 2026
Details

No additional details available.

Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
200 S Hersey Ave, Beloit, KS 67420
18 Month Share Certificate
$0
3.57%
View
▼
Rate3.60%
Min Deposit$0
UpdatedMar 26, 2026
Details

No additional details available.

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
18 Month Certificate
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
UpdatedMar 24, 2026
Details

No additional details available.

Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
18 Month CD/IRA
$500
3.55%
View
▼
Rate3.50%
Min Deposit$500
UpdatedMar 28, 2026
Details

No additional details available.

Genesis Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
830 Bethesda Dr, Zanesville, OH 43701 1895
18 Month Share Certificates
$0
3.54%
View
▼
Rate3.50%
Min Deposit$0
UpdatedMar 26, 2026
Details

No additional details available.

Bellevue State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
200 S 2nd St, Bellevue, IA 52031
Time Certificates 18 Month
$0
3.53%
View
▼
Rate3.50%
Min Deposit$0
UpdatedApr 4, 2026
Details

No additional details available.

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 18 Month to 23 Month
$0
3.52%
View
▼
Rate3.47%
Min Deposit$0
UpdatedMar 27, 2026
Details

No additional details available.

NexTier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
222 Market St, Kittanning, PA 16201
18 Month CD
$5,000
3.51%
View
▼
Rate—
Min Deposit$5,000
UpdatedMar 28, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA 22305
18 Month Certificate
$0
3.50%
View
▼
Rate—
Min Deposit$0
UpdatedApr 5, 2026
Details

No additional details available.

Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
18 month CD
$500
3.49%
View
▼
Rate3.43%
Min Deposit$500
UpdatedMar 27, 2026
Details

No additional details available.

Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
124 N Main Street, Birchwood, WI 54817
18-Month Term
$30,000
3.48%
View
▼
Rate3.45%
Min Deposit$30,000
UpdatedApr 4, 2026
Details

No additional details available.

VirtualBank National
18 Month CD
$0
3.46%
View
▼
Rate3.40%
Min Deposit$0
UpdatedMar 24, 2026
Details

No additional details available.

Wyrope Williamsport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1536 Riverside Dr, S Williamsport, PA 17702
18 month Share Certificates
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
UpdatedApr 4, 2026
Details

$25,000+

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT 84535
18 Month Share Certificate
$0
3.44%
View
▼
Rate3.40%
Min Deposit$0
UpdatedMar 24, 2026
Details

No additional details available.

Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
18 Month Variable Certificate @ 50% of Wall Street Journal Prime
$0
3.42%
View
▼
Rate3.38%
Min Deposit$0
UpdatedApr 4, 2026
Details

No additional details available.

EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
18 month CD
$1,000
3.41%
View
▼
Rate—
Min Deposit$1,000
UpdatedMar 26, 2026
Details

No additional details available.

AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
701 S China Lake Blvd, Ridgecrest, CA 93555 5027
18 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
UpdatedApr 2, 2026
Details

No additional details available.

Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
200 E Crockett St, Cleveland, TX 77327
18 Month CD
$100,000
3.39%
View
▼
Rate3.35%
Min Deposit$100,000
UpdatedMar 28, 2026
Details

No additional details available.

First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
8701 E 116th St, Fishers, IN 46038
18-month CD
$0
3.38%
View
▼
Rate3.33%
Min Deposit$0
UpdatedMar 27, 2026
Details

Early Withdrawal Penalties: 180 days interest

The Honesdale National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
733 Main St, Honesdale, PA 18431
18-Month CD
$0
3.36%
View
▼
Rate—
Min Deposit$0
UpdatedApr 2, 2026
Details

No additional details available.

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Jumbo 18 Month CD
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
UpdatedMar 28, 2026
Details

No additional details available.

United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
1700 16th St, Galena Park, TX 77547
18 Month Certificate
$0
3.34%
View
▼
Rate—
Min Deposit$0
UpdatedMar 29, 2026
Details

No additional details available.

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1018 Hobart St, Hawley, MN 56549
18 Month CD
$0
3.33%
View
▼
Rate3.30%
Min Deposit$0
UpdatedApr 2, 2026
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Semiannually

Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1600 N Pan American Ave, Douglas, AZ 85607
18 Month Term
$0
3.31%
View
▼
Rate—
Min Deposit$0
UpdatedMar 28, 2026
Details

No additional details available.

Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
18-Month IRA Share Certificate
$0
3.30%
View
▼
Rate—
Min Deposit$0
UpdatedMar 28, 2026
Details

Earn up to 3.30% APY* when you open up an 18-month IRA Share Certificate.

Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
409 Riverwind Dr, Pearl, MS 39208 5917
18 Month Certificate
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
UpdatedApr 4, 2026
Details

No additional details available.

Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
18 Month CD Semi-Annually
$500
3.28%
View
▼
Rate3.25%
Min Deposit$500
UpdatedMar 25, 2026
Details

No additional details available.

Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1385 Andrews Ave, Lakewood, OH 44107 2405
18 Month Certificate of Deposit
$500
3.25%
View
▼
Rate—
Min Deposit$500
UpdatedMar 27, 2026
Details

$500 minimum

Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY 40214
18 Month Share and IRA Certificate
$0
3.24%
View
▼
Rate3.20%
Min Deposit$0
UpdatedMar 25, 2026
Details

No additional details available.

Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
223 S Main St, Pratt, KS 67124
18 Month IRA Certificate
$1,000
3.20%
View
▼
Rate3.16%
Min Deposit$1,000
UpdatedApr 3, 2026
Details

No additional details available.

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
18-Month Term
$50,000
3.19%
View
▼
Rate3.15%
Min Deposit$50,000
UpdatedApr 3, 2026
Details

No additional details available.

New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
225 E State St, Trenton, NJ 08608 1800
18 Month Certificates of Deposit
$25,000
3.17%
View
▼
Rate3.15%
Min Deposit$25,000
UpdatedMar 24, 2026
Details

No additional details available.

Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
639 S Delaware St, Indianapolis, IN 46225
Share Certificate (Fixed Rate) 18 Month Term
$0
3.15%
View
▼
Rate3.06%
Min Deposit$0
UpdatedMar 25, 2026
Details

No additional details available.

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
405 5th St, Ames, IA 50010
Special Term CDs* 18 Month CD
$25,000
3.14%
View
▼
Rate3.10%
Min Deposit$25,000
UpdatedApr 2, 2026
Details

No additional details available.

Haviland State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
209 N Main St, Haviland, KS 67059
18 Month Certificate of Deposit
$500
3.13%
View
▼
Rate3.10%
Min Deposit$500
UpdatedMar 27, 2026
Details

No additional details available.

Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
18 Month Certificates of Deposit
$25,000
3.12%
View
▼
Rate3.10%
Min Deposit$25,000
UpdatedMar 28, 2026
Details

No additional details available.

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
18 Month Jumbo Certificate
$50,000
3.11%
View
▼
Rate3.07%
Min Deposit$50,000
UpdatedMar 27, 2026
Details

No additional details available.

American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
3090 E Fry Blvd, Sierra Vista, AZ 85635
18 Month TSC or IRA TSC
$10,000
3.10%
View
▼
Rate3.06%
Min Deposit$10,000
UpdatedApr 2, 2026
Details

No additional details available.

PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
688 Salt Lick Rd, Saint Peters, MO 63376
18 Month Certificate of Deposit
$1,000
3.09%
View
▼
Rate3.05%
Min Deposit$1,000
UpdatedApr 2, 2026
Details

No additional details available.

Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
44 Main St W, Mayville, ND 58257
18 month CD
$1,000
3.08%
View
▼
Rate3.05%
Min Deposit$1,000
UpdatedApr 3, 2026
Details

No additional details available.

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
18 month Share Certificates
$0
3.07%
View
▼
Rate3.03%
Min Deposit$0
UpdatedMar 25, 2026
Details

No additional details available.

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
18 Month Certificate
$500
3.05%
View
▼
Rate3.01%
Min Deposit$500
UpdatedMar 25, 2026
Details

No additional details available.

Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
10 Monument Sq, Woonsocket, RI 02895
18 Month Certificate of Deposit
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
UpdatedMar 25, 2026
Details

$1,000.00 Minimum balance required

Iron County Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
4989N US Highway 51, Mercer, WI 54547 9314
18 month Share Certificate
$0
3.03%
View
▼
Rate3.00%
Min Deposit$0
UpdatedApr 2, 2026
Details

A penalty may be imposed for early withdrawals.

F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
159 W James St, Columbus, WI 53925
Everyday CD Options 18 Month
$1,000
3.02%
View
▼
Rate3.00%
Min Deposit$1,000
UpdatedApr 2, 2026
Details

No additional details available.

Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ 86313 5001
18 Month Term CD
$1,000
3.01%
View
▼
Rate—
Min Deposit$1,000
UpdatedApr 4, 2026
Details

Compounded Monthly

Timberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
821 Beaver Dr, DuBois, PA 15801
18-Month IRA Certificate
$1,000
3.00%
View
▼
Rate2.97%
Min Deposit$1,000
UpdatedMar 24, 2026
Details

No additional details available.

Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
18 Month Certificate
$500
2.99%
View
▼
Rate2.95%
Min Deposit$500
UpdatedMar 28, 2026
Details

No additional details available.

Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7136 S Yale Ave, Tulsa, OK 74136
18 Month CD
$1,000
2.98%
View
▼
Rate—
Min Deposit$1,000
UpdatedApr 2, 2026
Details

Limited-time offer.

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
18 Month Share Certificate
$0
2.96%
View
▼
Rate2.92%
Min Deposit$0
UpdatedMar 28, 2026
Details

No additional details available.

Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY 14750
18-Month IRA Certificate
$1,000
2.95%
View
▼
Rate2.95%
Min Deposit$1,000
UpdatedApr 5, 2026
Details

$1,000 Minimum To Open

Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
419 1st Ave S, Nitro, WV 25143 2313
18-month IRA Certificate
$0
2.94%
View
▼
Rate—
Min Deposit$0
UpdatedApr 5, 2026
Details

No additional details available.

County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
106 E John St, Jefferson, WI 53549 2039
18 Month Share Certificate
$500
2.93%
View
▼
Rate2.90%
Min Deposit$500
UpdatedMar 25, 2026
Details

No additional details available.

The Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
916 N Kings Hwy, Perryville, MO 63775
18 Month CD (non-IRA)
$500
2.92%
View
▼
Rate2.90%
Min Deposit$500
UpdatedMar 25, 2026
Details

No additional details available.

First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
5001 Davis Lant Dr, Evansville, IN 47715
18 Month CD Specials
$500
2.91%
View
▼
Rate—
Min Deposit$500
UpdatedApr 3, 2026
Details

No additional details available.

American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
301 North Choctaw, Beggs, OK 74421
18 Month Certificate of Deposit
$1,000
2.90%
View
▼
Rate2.86%
Min Deposit$1,000
UpdatedApr 2, 2026
Details

No additional details available.

Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2518 Main St, Conway, SC 29526 3365
18 Month Variable Rate IRA Certificate
$0
2.89%
View
▼
Rate—
Min Deposit$0
UpdatedApr 4, 2026
Details

$250 Minimum Balance

Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 N Chicago St, Rossville, IL 60963
18 Month CD / IRA
$500
2.88%
View
▼
Rate2.85%
Min Deposit$500
UpdatedApr 4, 2026
Details

No additional details available.

Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
900 N Chancery St, Mcminnville, TN 37110
18 Month CD
$500
2.86%
View
▼
Rate2.85%
Min Deposit$500
UpdatedApr 2, 2026
Details

Minimum Opening Deposit $500.00

Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
18-MONTH TERM ACCOUNT
$100,000
2.85%
View
▼
Rate2.81%
Min Deposit$100,000
UpdatedMar 28, 2026
Details

No additional details available.

Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.08%
930 N Howard St, Spokane, WA 99201
18 Month Term Share
$0
2.84%
View
▼
Rate2.80%
Min Deposit$0
UpdatedApr 4, 2026
Details

No additional details available.

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN 37311
Term Share Certificates 18 Month
$0
2.83%
View
▼
Rate2.80%
Min Deposit$0
UpdatedApr 2, 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%
611 W Highway 92, Winterset, IA 50273
18 Month CD
$50,000
2.82%
View
▼
Rate2.80%
Min Deposit$50,000
UpdatedApr 3, 2026
Details

No additional details available.

Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3205 Mitchell Blvd, Moody AFB, GA 31699
18 Month Share Certificates
$0
2.80%
View
▼
Rate2.77%
Min Deposit$0
UpdatedMar 24, 2026
Details

No additional details available.

Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3330 N Lincoln Blvd, Oklahoma City, OK 73105 5406
18 Month Share Certificate
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
UpdatedMar 25, 2026
Details

No additional details available.

Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
110 E Walnut St, Okawville, IL 62271
18 Month Certificate
$0
2.77%
View
▼
Rate2.75%
Min Deposit$0
UpdatedApr 3, 2026
Details

No additional details available.

F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
18 Month CD
$100,000
2.76%
View
▼
Rate2.75%
Min Deposit$100,000
UpdatedApr 4, 2026
Details

No additional details available.

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
18 month CD/IRA
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
UpdatedApr 3, 2026
Details

No additional details available.

ih Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
5000 Urbana Rd, Springfield, OH 45502 9069
18 month certificate
$0
2.73%
View
▼
Rate2.70%
Min Deposit$0
UpdatedMar 27, 2026
Details

No additional details available.

FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
203 E Walnut St, Okawville, IL 62271
18 Month Certificate
$0
2.72%
View
▼
Rate2.70%
Min Deposit$0
UpdatedApr 3, 2026
Details

$500 Minimum Balance to obtain APY*

ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2303 S Center Rd, Burton, MI 48519 1147
18 Month CD, Traditional IRA CD & Roth IRA CD Accounts
$0
2.70%
View
▼
Rate2.67%
Min Deposit$0
UpdatedMar 25, 2026
Details

No additional details available.

Embold Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
18 Month Certificate
$0
2.69%
View
▼
Rate—
Min Deposit$0
UpdatedApr 4, 2026
Details

No additional details available.

One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
630 Howard St, Detroit, MI 48226
18 Month Certificate of Deposit & Term IRAs
$500
2.68%
View
▼
Rate2.65%
Min Deposit$500
UpdatedMar 28, 2026
Details

No additional details available.

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
206 N 5th St, St Charles, MO 63301
Individual Retirement Account Certificates of Deposit 18-month
$1,000
2.65%
View
▼
Rate2.62%
Min Deposit$1,000
UpdatedApr 2, 2026
Details

No additional details available.

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
56 Common St, Barre, MA 01005
18-Month CD/IRA Plus Spending
$0
2.63%
View
▼
Rate—
Min Deposit$0
UpdatedApr 3, 2026
Details

No additional details available.

FSB of Waupaca
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
112 W Fulton St, Waupaca, WI 54981
18 month CD
$0
2.60%
View
▼
Rate2.60%
Min Deposit$0
UpdatedApr 4, 2026
Details

No additional details available.

East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
18 Month Certificate
$10,000
2.58%
View
▼
Rate2.55%
Min Deposit$10,000
UpdatedApr 4, 2026
Details

No additional details available.

OSB Odin State Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.01%
101 E Main St, Odin, MN 56160
*Special 18 Month IRA CD
$0
2.57%
View
▼
Rate2.55%
Min Deposit$0
UpdatedApr 3, 2026
Details

No additional details available.

Harborstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510
Jumbo 18-Month Certificate
$50,000
2.56%
View
▼
Rate2.53%
Min Deposit$50,000
UpdatedMar 27, 2026
Details

No additional details available.

Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2315 Prairie Ave, Beloit, WI 53511 2623
18 month Share Certificate (CD)
$0
2.55%
View
▼
Rate2.57%
Min Deposit$0
UpdatedMar 24, 2026
Details

No additional details available.

Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA 94553 1976
18-Month Share Certificates
$0
2.54%
View
▼
Rate2.50%
Min Deposit$0
UpdatedMar 24, 2026
Details

No additional details available.

Glen Burnie MSB
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
1 Crain Hwy S, Glen Burnie, MD 21061
18 Month IRA Certificates
$250
2.53%
View
▼
Rate2.50%
Min Deposit$250
UpdatedApr 4, 2026
Details

No additional details available.

Fond Du Lac Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
91 N Pioneer Rd, Fond du Lac, WI 54935
18 Month Certificate
$1,000
2.52%
View
▼
Rate2.50%
Min Deposit$1,000
UpdatedMar 26, 2026
Details

No additional details available.

Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
101 State St N, Waseca, MN 56093
18 month CD
$2,000
2.51%
View
▼
Rate2.50%
Min Deposit$2,000
UpdatedMar 24, 2026
Details

No additional details available.

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
Special 18 Month Certificate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
UpdatedMar 29, 2026
Details

No additional details available.

Harleysville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
271 Main St, Harleysville, PA 19438
18 Month CD
$500
2.47%
View
▼
Rate—
Min Deposit$500
UpdatedApr 3, 2026
Details

No additional details available.

Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
315 Main St Nw, Bourbonnais, IL 60914
18 Month Variable Rate IRA
$250
2.46%
View
▼
Rate2.44%
Min Deposit$250
UpdatedApr 4, 2026
Details

No additional details available.

Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificates 18 Month
$0
2.45%
View
▼
Rate2.42%
Min Deposit$0
UpdatedApr 5, 2026
Details

No additional details available.

Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
105 Front St, Bath, ME 04530
18 Month Opportunity CD
$500
2.43%
View
▼
Rate—
Min Deposit$500
UpdatedApr 3, 2026
Details

No additional details available.

First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
110 W Panola St, Carthage, TX 75633
18 Month - Fixed IRA
$0
2.42%
View
▼
Rate2.40%
Min Deposit$0
UpdatedApr 2, 2026
Details

No additional details available.

First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
925 4th Ave Ste 2350, Seattle, WA 98104
18-Month Certificate
$500
2.41%
View
▼
Rate2.38%
Min Deposit$500
UpdatedMar 26, 2026
Details

No additional details available.

Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
800 Wayne Ave, Chambersburg, PA 17201 3810
18 Month Share Certificate - Traditional IRA or Roth IRA
$0
2.40%
View
▼
Rate—
Min Deposit$0
UpdatedMar 28, 2026
Details

No additional details available.

Mound City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
25 E Pine St, Platteville, WI 53818
18 Month Add On CD
$500
2.39%
View
▼
Rate2.37%
Min Deposit$500
UpdatedApr 4, 2026
Details

No additional details available.

Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
18 Month CD
$1,000
2.38%
View
▼
Rate2.35%
Min Deposit$1,000
UpdatedApr 4, 2026
Details

No additional details available.

Centex Citizens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1404 E Milam St, Mexia, TX 76667 2500
18-Month Share/IRA Certificate
$1,000
2.37%
View
▼
Rate2.35%
Min Deposit$1,000
UpdatedMar 25, 2026
Details

No additional details available.

The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
39139 Mound Rd, Sterling Heights, MI 48310 2737
18 Month Term Share Certificates
$500
2.35%
View
▼
Rate2.33%
Min Deposit$500
UpdatedMar 29, 2026
Details

No additional details available.

Crane Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
1 W Gate Dr, Odon, IN 47562
18 Month Share Certificate
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
UpdatedMar 25, 2026
Details

No additional details available.

Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
4523 Driftwood Dr, Cheyenne, WY 82009 7301
18 Month Share Certificate
$500
2.31%
View
▼
Rate2.29%
Min Deposit$500
UpdatedMar 25, 2026
Details

No additional details available.

Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN 37043 8939
18 Month IRA
$1
2.30%
View
▼
Rate2.30%
Min Deposit$1
UpdatedMar 26, 2026
Details

No additional details available.

First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
800 W Lincoln Ave, Charleston, IL 61920
18 Month CD / IRA
$0
2.28%
View
▼
Rate2.25%
Min Deposit$0
UpdatedApr 3, 2026
Details

No additional details available.

First Robinson Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
501 E Main St, Robinson, IL 62454
IRA-18 Month Fixed
$500
2.27%
View
▼
Rate2.25%
Min Deposit$500
UpdatedApr 3, 2026
Details

No additional details available.

Commercial State Bank, of Wagner
Institution Rating:
A-5.0 ★Texas Ratio: 14.86%
204 S Main Ave, Wagner, SD 57380
Certificates of Deposit 18-Month
$500
2.26%
View
▼
Rate2.25%
Min Deposit$500
UpdatedApr 3, 2026
Details

SEMI-ANNUALLY

Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
777 E Main St Ste 102, Bozeman, MT 59715
18 Month Term Certificate
$0
2.25%
View
▼
Rate2.22%
Min Deposit$0
UpdatedApr 4, 2026
Details

No additional details available.

GCSB Swayzee, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
3988 West Delphi Road, Sweetser, IN 46987
18 Month Certificate of Deposit
$1,000
2.22%
View
▼
Rate2.20%
Min Deposit$1,000
UpdatedApr 3, 2026
Details

No additional details available.

Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
107 S Main St, Somerset, KY 42501
IRA 18 Month Fixed
$0
2.21%
View
▼
Rate2.20%
Min Deposit$0
UpdatedApr 3, 2026
Details

No additional details available.

American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
18 Month Certificate
$1,000
2.20%
View
▼
Rate2.20%
Min Deposit$1,000
UpdatedApr 3, 2026
Details

No additional details available.

Indianhead Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
104 E MAPLE ST, SPOONER, WI 54801 1482
Share, Roth & Traditional IRA Certificates 18 Month
$1,000
2.19%
View
▼
Rate2.17%
Min Deposit$1,000
UpdatedMar 27, 2026
Details

No additional details available.

Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
18 month Certificates of Deposit
$15,000
2.17%
View
▼
Rate2.15%
Min Deposit$15,000
UpdatedApr 3, 2026
Details

DB4 of

Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
18 month CD
$0
2.16%
View
▼
Rate2.14%
Min Deposit$0
UpdatedMar 25, 2026
Details

No additional details available.

FNB of Sparta
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
101 W Broadway St, Sparta, IL 62286
18 Month Certificate of Deposit
$500
2.15%
View
▼
Rate2.13%
Min Deposit$500
UpdatedApr 2, 2026
Details

No additional details available.

Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
26 Main Street, Camp Grove, IL 61424
Certificate of Deposit 18-Month
$1,000
2.13%
View
▼
Rate2.11%
Min Deposit$1,000
UpdatedApr 3, 2026
Details

No additional details available.

First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
18 Month Regular CDs
$1,000
2.12%
View
▼
Rate2.10%
Min Deposit$1,000
UpdatedMar 26, 2026
Details

No additional details available.

Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
201 Washington St, Victor, IA 52347
Certificates of Deposit and Over 18 Month
$20,000
2.11%
View
▼
Rate2.10%
Min Deposit$20,000
UpdatedApr 3, 2026
Details

$20,000

Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
745 Market St, Mendota Heights, MN 55118
Certificates of Deposit (CD) 18 Month
$0
2.10%
View
▼
Rate2.08%
Min Deposit$0
UpdatedMar 26, 2026
Details

No additional details available.

River Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
124 S 2nd St, River Falls, WI 54022
Certificate of Deposit 18 Month
$500
2.07%
View
▼
Rate2.05%
Min Deposit$500
UpdatedMar 28, 2026
Details

No additional details available.

The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
751 Chambers Rd, Aurora, CO 80011 7151
Regular Term Certificates 18 Month Certificate
$500
2.05%
View
▼
Rate2.03%
Min Deposit$500
UpdatedMar 25, 2026
Details

No additional details available.

West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Parkersburg, WV 26101 6048
Share Certificate & IRA Certificate 18 Month
$0
2.03%
View
▼
Rate2.01%
Min Deposit$0
UpdatedMar 29, 2026
Details

No additional details available.

Pantex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1300 W Wilson St, Borger, TX 79007
IRA - 18 Month Certificate
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
UpdatedMar 28, 2026
Details

No additional details available.

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
566 S Main St, Wilkes Barre, PA 18701 2102
18 Month Certificate of Deposit
$0
2.01%
View
▼
Rate2.00%
Min Deposit$0
UpdatedApr 4, 2026
Details

No additional details available.

Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
10110 Randolph St, Crown Point, IN 46307 9469
Regular Certificate IRA 18 month
$0
2.00%
View
▼
Rate2.00%
Min Deposit$0
UpdatedMar 28, 2026
Details

No additional details available.

Oshkosh Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
250 Pearl Ave, Oshkosh, WI 54901 4834
Share Certificates Account 18 Month
$1,000
1.98%
View
▼
Rate1.96%
Min Deposit$1,000
UpdatedMar 28, 2026
Details

No additional details available.

Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
514 G Street, Pawnee City, NE 68420
18 month Variable IRA
$0
1.97%
View
▼
Rate—
Min Deposit$0
UpdatedMar 29, 2026
Details

No additional details available.

Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
300 Washington St, Beardstown, IL 62618
18 Month CD
$0
1.96%
View
▼
Rate1.95%
Min Deposit$0
UpdatedApr 3, 2026
Details

No additional details available.

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3400 W 6th St, Lawrence, KS 66049 3215
Share Certificate 18 Mo. HSA
$0
1.95%
View
▼
Rate1.93%
Min Deposit$0
UpdatedMar 29, 2026
Details

No additional details available.

BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI 49015
18 Month Certificate
$50
1.92%
View
▼
Rate1.90%
Min Deposit$50
UpdatedMar 25, 2026
Details

$50 Minimum Deposit

Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1224 4th Ave S, Park Falls, WI 54552 1923
18 Month Share Certificate
$10,000
1.91%
View
▼
Rate1.90%
Min Deposit$10,000
UpdatedMar 28, 2026
Details

$10,000.00 to $49,999.00

Kitsap Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
619 Bay St, Port Orchard, WA 98366
18 Month CD
$0
1.90%
View
▼
Rate1.88%
Min Deposit$0
UpdatedMar 27, 2026
Details

No additional details available.

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
301 W Wishkah St, Aberdeen, WA 98520 6130
18 Month Bump Term Certificates
$500
1.86%
View
▼
Rate1.85%
Min Deposit$500
UpdatedMar 26, 2026
Details

No additional details available.

PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
414 N Adams St, Wellsburg, IA 50680
18 Month Certificate of Deposit (CD)
$150,000
1.85%
View
▼
Rate1.84%
Min Deposit$150,000
UpdatedApr 3, 2026
Details

No additional details available.

Midwest Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
101 Wesley Dr, Wood River, IL 62095
18 Month Share Certificates
$1,000
1.81%
View
▼
Rate1.80%
Min Deposit$1,000
UpdatedMar 28, 2026
Details

No additional details available.

United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
120 Woodford Ave, Plainville, CT 06062 2335
18 month IRA Certificate
$0
1.80%
View
▼
Rate1.79%
Min Deposit$0
UpdatedMar 29, 2026
Details

No additional details available.

Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1050 Lake Sumter Lndg, The Villages, FL 32162
18 Month Variable IRA
$2,500
1.77%
View
▼
Rate1.75%
Min Deposit$2,500
UpdatedMar 25, 2026
Details

No additional details available.

Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
100 Circle Dr, Delta, CO 81416
18 Month Share Certificates/CD's
$2,500
1.76%
View
▼
Rate1.75%
Min Deposit$2,500
UpdatedMar 25, 2026
Details

No additional details available.

WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
118 S Main St, Leitchfield, KY 42754
18 Month IRA (Fixed Rate)
$0
1.75%
View
▼
Rate—
Min Deposit$0
UpdatedApr 2, 2026
Details

No additional details available.

Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3279 Ramos Cir, Sacramento, CA 95827 2500
18 Month Savings Certificate
$350,000
1.70%
View
▼
Rate1.68%
Min Deposit$350,000
UpdatedMar 29, 2026
Details

No additional details available.

Countryside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
379 Main St, Unadilla, NE 68454
18 Month Certificates of Deposit
$10,000
1.66%
View
▼
Rate1.65%
Min Deposit$10,000
UpdatedApr 4, 2026
Details

No additional details available.

Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
213 E Main St, Ennis, MT 59729
18 month multiple deposit IRA Certificates
$100
1.65%
View
▼
Rate1.65%
Min Deposit$100
UpdatedApr 3, 2026
Details

No additional details available.

Wahoo State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
164 E 5th St, Wahoo, NE 68066
18 Month Certificates of Deposit
$0
1.61%
View
▼
Rate1.60%
Min Deposit$0
UpdatedApr 3, 2026
Details

No additional details available.

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
18 Month Certificates
$500
1.60%
View
▼
Rate1.59%
Min Deposit$500
UpdatedMar 28, 2026
Details

No additional details available.

Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
127 West Ave N, La Crosse, WI 54601 3528
Jumbo Individual Retirement Account Certificates 18-month
$0
1.55%
View
▼
Rate1.54%
Min Deposit$0
UpdatedMar 27, 2026
Details

No additional details available.

La Salle State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
654 1st St, La Salle, IL 61301
IRA Certificates of Deposit 18 Month
$0
1.53%
View
▼
Rate1.52%
Min Deposit$0
UpdatedApr 3, 2026
Details

No additional details available.

Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
520 S 42nd St, Mount Vernon, IL 62864
18 Month Variable Individual Retirement Accounts (IRAs)
$0
1.52%
View
▼
Rate—
Min Deposit$0
UpdatedMar 28, 2026
Details

No additional details available.

Bank of Yates City
Institution Rating:
A5.0 ★Texas Ratio: 13.97%
107 E Main St, Yates City, IL 61572
18 Month CD fixed
$1,000
1.51%
View
▼
Rate1.50%
Min Deposit$1,000
UpdatedApr 2, 2026
Details

No additional details available.

Heritage Bank Wood River, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
200 E 3rd St, Stromsburg, NE 68666
Personal & IRA CDs 18 month
$0
1.50%
View
▼
Rate1.49%
Min Deposit$0
UpdatedApr 2, 2026
Details

No additional details available.

Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
575 N Broadway, Aurora, IL 60505
IRA Certificates 18 Month
$0
1.46%
View
▼
Rate1.45%
Min Deposit$0
UpdatedMar 26, 2026
Details

No additional details available.

Bank of Lake Mills
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
136 E Madison St, Lake Mills, WI 53551
18 Month CD Certificate
$500
1.45%
View
▼
Rate1.44%
Min Deposit$500
UpdatedApr 4, 2026
Details

No additional details available.

Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
410 Division St, Withee, WI 54498
18 Month IRA CD
$100
1.41%
View
▼
Rate1.40%
Min Deposit$100
UpdatedApr 3, 2026
Details

No additional details available.

American Lake Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
Camp Murray Building 16, Tacoma, WA 98430 0001
18 Month IRA Certificate
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
UpdatedMar 25, 2026
Details

No additional details available.

Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
519 Main St, Schertz, TX 78154
IRA 18 Month Fixed Rate
$1,000
1.36%
View
▼
Rate1.35%
Min Deposit$1,000
UpdatedApr 3, 2026
Details

No additional details available.

Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
110 McIndoe St, Wausau, WI 54403 4742
18-Month Certificate
$0
1.35%
View
▼
Rate1.34%
Min Deposit$0
UpdatedMar 25, 2026
Details

No additional details available.

Jones Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
203 S 6th St, Seward, NE 68434
18 Month Certificates of Deposit and Individual Retirement Accounts
$0
1.30%
View
▼
Rate1.29%
Min Deposit$0
UpdatedApr 3, 2026
Details

No additional details available.

Savers Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
270 Main St, Southbridge, MA 01550
18 Month Certificate
$500
1.28%
View
▼
Rate1.25%
Min Deposit$500
UpdatedApr 3, 2026
Details

No additional details available.

Security FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
314 4th St, Logansport, IN 46947
18 Month Personal CDs
$500
1.27%
View
▼
Rate1.26%
Min Deposit$500
UpdatedMar 28, 2026
Details

No additional details available.

Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
18 month Certificates/IRA Certificates
$0
1.26%
View
▼
Rate1.25%
Min Deposit$0
UpdatedMar 24, 2026
Details

No additional details available.

Southwest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
400 E Douglas Ave, Wichita, KS 67202
18 Month Certificate of Deposit
$0
1.25%
View
▼
Rate1.24%
Min Deposit$0
UpdatedApr 2, 2026
Details

No additional details available.

Financial Plus Credit Union Ottawa, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
800 Chestnut St, Ottawa, IL 61350
18 Month Certificate of Deposit
$0
1.24%
View
▼
Rate—
Min Deposit$0
UpdatedMar 26, 2026
Details

No additional details available.

The Peoples Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
112 W Main St, Coldwater, OH 45828
18 Month CD/IRA
$500
1.21%
View
▼
Rate1.20%
Min Deposit$500
UpdatedApr 3, 2026
Details

$500 to $4,999.99

Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2195 Baseline Rd, Oswego, IL 60543 6006
18 Month IRA
$500
1.20%
View
▼
Rate1.19%
Min Deposit$500
UpdatedMar 25, 2026
Details

No additional details available.

Cecil Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
127 North St, Elkton, MD 21921
IRA(18-Month term/ min.)
$100
1.16%
View
▼
Rate1.15%
Min Deposit$100
UpdatedApr 2, 2026
Details

$100

Forte Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
116 W Sumner St, Hartford, WI 53027
Business Certificate of Deposit 18 Month
$0
1.15%
View
▼
Rate1.15%
Min Deposit$0
UpdatedApr 2, 2026
Details

No additional details available.

Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1313 N Skokie Hwy, Gurnee, IL 60031
18 Month Certificate Accounts
$0
1.11%
View
▼
Rate1.10%
Min Deposit$0
UpdatedMar 25, 2026
Details

No additional details available.

West Plains S&L
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
417 W Broadway St, West Plains, MO 65775
18 Month CD
$1,000
1.10%
View
▼
Rate1.10%
Min Deposit$1,000
UpdatedApr 4, 2026
Details

No additional details available.

GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
17010 Croswell St, West Olive, MI 49460 9748
18 month Certificate
$500
1.06%
View
▼
Rate—
Min Deposit$500
UpdatedMar 26, 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.

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
2.856%
▲ 0.265 vs 7 days ago

National 18-month CD rates rose 0.265 points over the past 7 days to 2.856% APY, up from 2.591% 7 days ago.

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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: April 5, 2026

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