Highest 18-Month CD Rates
Compare 18-Month CD rates from 98 banks

By Aviel Fahl

Newest reading: September 7, 2026

Top 10 Rates:4.18-4.35% APYFDIC or NCUA Insured

151 active 18-month cd products tracked

All Terms 3-Month CD 6-Month CD 9-Month CD 12-Month CD 18-Month CD 24-Month CD 36-Month CD 48-Month CD 60-Month CD

Top 50 18-Month CD Rates

Ordered by highest APY. Showing the top 50 of 151 18-month cd products tracked across 98 banks.

Newest reading: Monday, September 7, 2026

Top 50 CD terms from 40 banks,sorted by highest APY

#	Institution & CD	Rate & Features	Minimum Deposit
#1	Bread Savings 18-Month CD Term: 18 months	4.35%APY Observed: Sep 5, 2026 Access: Online only	$1,500
#2	Marcus by Goldman Sachs 18-Month High Yield CD Term: 18 months	4.35%APY Observed: Sep 5, 2026 Access: Online only	$500
#3	Popular Direct 18 Months Term: 18 months	4.35%APY Observed: Sep 5, 2026 Access: Online only	$10,000
#4	Omb Bank 18 Month CD Term: 18 months	4.31%APY Observed: Sep 7, 2026 Access: Branch access	$1,000
#5	E*TRADE from Morgan Stanley 18-Month Certificates of Deposit Term: 18 months	4.30%APY Observed: Sep 5, 2026 Access: Online only	$0
#6	Sallie Mae Bank 18-Month Certificates of deposit CDs Term: 18 months	4.30%APY Observed: Sep 5, 2026 Access: Online only	$2,500
#7	Synchrony Bank 18 Month CD Term: 18 months	4.25%APY Observed: Sep 7, 2026 Access: Online only	$0
#8	Synchrony Bank 18 Month IRA CD Term: 18 months	4.25%APY Observed: Sep 5, 2026 Access: Online only	$0
#9	Cape Ann Savings Bank 18 Month CD Term: 18 months	4.18%APY Observed: Sep 7, 2026	$500
#10	Cape Ann Savings Bank 18 Month IRA CD Term: 18 months	4.18%APY Observed: Sep 7, 2026	$500
#11	TAB Bank 18-Month CD Term: 18 months	4.10%APY Observed: Sep 5, 2026 Access: Online only	$1,000
#12	Bank of Commerce 18 Month CD Term: 18 months	4.05%APY Observed: Sep 7, 2026	$1,000
#13	Bank of Commerce 18 Month IRA Term: 18 months	4.05%APY Observed: Sep 7, 2026	$500
#14	Colorado Federal Savings Bank 18-Month CD Term: 18 months	4.05%APY Observed: Sep 5, 2026 Access: Online only	$5,000
#15	Ally Bank 18 Mo IRA CD Term: 18 months	4.00%APY Observed: Sep 7, 2026 Access: Online only	$0
#16	Ally Bank 18 Mo CD Term: 18 months	4.00%APY Observed: Sep 5, 2026 Access: Online only	$0
#17	Bank5 Connect 18-Month CD Term: 18 months	4.00%APY Observed: Sep 5, 2026 Access: Online only	$500
#18	BankVista 18 Month CD Term: 18 months	4.00%APY Observed: Sep 7, 2026	N/A
#19	BankVista 18 Month IRA CD Term: 18 months	4.00%APY Observed: Sep 7, 2026	N/A
#20	Bask Bank 18-Month Term: 18 months	4.00%APY Observed: Sep 5, 2026 Access: Online only	$1,000
#21	CIBC Bank USA 18-Month Agility CD Term: 18 months	4.00%APY Observed: Sep 5, 2026 Access: Online only	$1,000
#22	FinWise Bank 18-Month Certificate Term: 18 months	4.00%APY Observed: Sep 5, 2026 Access: Branch access	$500
#23	FinWise Bank 18-Month IRA Certificate Term: 18 months	4.00%APY Observed: Sep 7, 2026 Access: Branch access	N/A
#24	First Federal Savings and Loan Association 18 Month CD Term: 18 months	4.00%APY Observed: Sep 2, 2026 Access: Branch access	$500
#25	Poppy Bank 18-Month IRA CD Term: 18 months	4.00%APY Observed: Sep 5, 2026 Access: Branch access	$1,000
#26	Salem Five Direct 18-Month Special CD Term: 18 months	4.00%APY Observed: Sep 7, 2026 Access: Online only	$10,000
#27	Grant County Bank 18-Month IRA Certificate Term: 18 months	3.97%APY Observed: Sep 5, 2026 Access: Branch access	$100
#28	Newtek Bank 18-Month CD Term: 18 months	3.95%APY Observed: Sep 5, 2026 Access: Online only	$2,500
#29	Prime Alliance Bank 18-Month Business CD Term: 18 months	3.95%APY Observed: Sep 5, 2026 Access: Branch access	$500
#30	Vio Bank 18-Month Online Certificate of Deposit CD Term: 18 months	3.95%APY Observed: Sep 5, 2026 Access: Online only	$500
#31	Live Oak Bank 18-Month Personal CD Term: 18 months	3.90%APY Observed: Sep 5, 2026 Access: Online only	$2,500
#32	Live Oak Bank 18-Month Business CD Term: 18 months	3.90%APY Observed: Sep 5, 2026 Access: Online only	$2,500
#33	Newtek Bank 18-Month CD Term: 18 months	3.90%APY Observed: Sep 5, 2026 Access: Online only	$2,500
#34	F&M Bank and Trust Company 18 Month CD Special Term: 18 months	3.85%APY Observed: Sep 5, 2026 Access: Branch access	$5,000
#35	Freedom Bank 18 Month CD Special Term: 18 months	3.85%APY Observed: Sep 2, 2026 Access: Branch access	$500
#36	Bonanza Valley State Bank 18-Month CD Term: 18 months	3.80%APY Observed: Sep 2, 2026 Access: Branch access	$500
#37	The Napoleon State Bank 18-Month CD Term: 18 months	3.80%APY Observed: Sep 2, 2026 Access: Branch access	$500
#38	First Bank 18-Month Variable Rate IRA Term: 18 months	3.79%APY Observed: Sep 5, 2026 Access: Branch access	$1,000
#39	Global Bank 18-Month Certificate of Deposit Term: 18 months	3.75%APY Observed: Sep 2, 2026 Access: Branch access	$1,000
#40	Zynlo Bank 18-Month CD Term: 18 months	3.75%APY Observed: Sep 7, 2026 Access: Online only	$0
#41	First County Bank 18 Month No Penalty CD Term: 18 months	3.65%APY Observed: Sep 5, 2026 Access: Branch access	N/A
#42	Capital One 18-Month CD Term: 18 months	3.60%APY Observed: Sep 5, 2026 Access: Branch access	$0
#43	First State Bank of Campbell Hill 18-Month Certificates of Deposits Term: 18 months	3.55%APY Observed: Sep 2, 2026 Access: Branch access	$500
#44	Charles River Bank 18 Month CD Term: 18 months	3.50%APY Observed: Sep 4, 2026 Access: Branch access	$1,000
#45	Charles River Bank 18 Month IRA CD Term: 18 months	3.50%APY Observed: Sep 4, 2026 Access: Branch access	$400
#46	Farmers & Merchants State Bank 18 Month CD Term: 18 months	3.50%APY Observed: Sep 7, 2026 Access: Branch access	$500
#47	Fifth District Savings Bank 18 Month Variable IRA CD Term: 18 months	3.50%APY Observed: Sep 2, 2026 Access: Branch access	$25
#48	First Federal Savings and Loan Association of McMinnville 18 Month IRA Term: 18 months	3.50%APY Observed: Sep 2, 2026 Access: Branch access	N/A
#49	FirstBank of Nebraska 18 Month CD Term: 18 months	3.50%APY Observed: Sep 2, 2026 Access: Branch access	$1,000
#50	FirstBank of Nebraska 18 Month IRA CD Term: 18 months	3.50%APY Observed: Sep 2, 2026 Access: Branch access	$1,000

Bread Savings

18-Month CD

Term: 18 months

4.35%

APY

Observed: Sep 5, 2026

Min Deposit

$1,500

Access

Online only

Marcus by Goldman Sachs

18-Month High Yield CD

Term: 18 months

4.35%

APY

Observed: Sep 5, 2026

Min Deposit

$500

Access

Online only

Popular Direct

18 Months

Term: 18 months

4.35%

APY

Observed: Sep 5, 2026

Min Deposit

$10,000

Access

Online only

Omb Bank

18 Month CD

Term: 18 months

4.31%

APY

Observed: Sep 7, 2026

Min Deposit

$1,000

Access

Branch access

E*TRADE from Morgan Stanley

18-Month Certificates of Deposit

Term: 18 months

4.30%

APY

Observed: Sep 5, 2026

Min Deposit

Access

Online only

Sallie Mae Bank

18-Month Certificates of deposit CDs

Term: 18 months

4.30%

APY

Observed: Sep 5, 2026

Min Deposit

$2,500

Access

Online only

Synchrony Bank

18 Month CD

Term: 18 months

4.25%

APY

Observed: Sep 7, 2026

Min Deposit

Access

Online only

Synchrony Bank

18 Month IRA CD

Term: 18 months

4.25%

APY

Observed: Sep 5, 2026

Min Deposit

Access

Online only

Cape Ann Savings Bank

18 Month CD

Term: 18 months

4.18%

APY

Observed: Sep 7, 2026

Min Deposit

$500

Access

N/A

#10

Cape Ann Savings Bank

18 Month IRA CD

Term: 18 months

4.18%

APY

Observed: Sep 7, 2026

Min Deposit

$500

Access

N/A

#11

TAB Bank

18-Month CD

Term: 18 months

4.10%

APY

Observed: Sep 5, 2026

Min Deposit

$1,000

Access

Online only

#12

Bank of Commerce

18 Month CD

Term: 18 months

4.05%

APY

Observed: Sep 7, 2026

Min Deposit

$1,000

Access

N/A

#13

Bank of Commerce

18 Month IRA

Term: 18 months

4.05%

APY

Observed: Sep 7, 2026

Min Deposit

$500

Access

N/A

#14

Colorado Federal Savings Bank

18-Month CD

Term: 18 months

4.05%

APY

Observed: Sep 5, 2026

Min Deposit

$5,000

Access

Online only

#15

Ally Bank

18 Mo IRA CD

Term: 18 months

4.00%

APY

Observed: Sep 7, 2026

Min Deposit

Access

Online only

#16

Ally Bank

18 Mo CD

Term: 18 months

4.00%

APY

Observed: Sep 5, 2026

Min Deposit

Access

Online only

#17

Bank5 Connect

18-Month CD

Term: 18 months

4.00%

APY

Observed: Sep 5, 2026

Min Deposit

$500

Access

Online only

#18

BankVista

18 Month CD

Term: 18 months

4.00%

APY

Observed: Sep 7, 2026

Min Deposit

N/A

Access

N/A

#19

BankVista

18 Month IRA CD

Term: 18 months

4.00%

APY

Observed: Sep 7, 2026

Min Deposit

N/A

Access

N/A

#20

Bask Bank

18-Month

Term: 18 months

4.00%

APY

Observed: Sep 5, 2026

Min Deposit

$1,000

Access

Online only

#21

CIBC Bank USA

18-Month Agility CD

Term: 18 months

4.00%

APY

Observed: Sep 5, 2026

Min Deposit

$1,000

Access

Online only

#22

FinWise Bank

18-Month Certificate

Term: 18 months

4.00%

APY

Observed: Sep 5, 2026

Min Deposit

$500

Access

Branch access

#23

FinWise Bank

18-Month IRA Certificate

Term: 18 months

4.00%

APY

Observed: Sep 7, 2026

Min Deposit

N/A

Access

Branch access

#24

First Federal Savings and Loan Association

18 Month CD

Term: 18 months

4.00%

APY

Observed: Sep 2, 2026

Min Deposit

$500

Access

Branch access

#25

Poppy Bank

18-Month IRA CD

Term: 18 months

4.00%

APY

Observed: Sep 5, 2026

Min Deposit

$1,000

Access

Branch access

#26

Salem Five Direct

18-Month Special CD

Term: 18 months

4.00%

APY

Observed: Sep 7, 2026

Min Deposit

$10,000

Access

Online only

#27

Grant County Bank

18-Month IRA Certificate

Term: 18 months

3.97%

APY

Observed: Sep 5, 2026

Min Deposit

$100

Access

Branch access

#28

Newtek Bank

18-Month CD

Term: 18 months

3.95%

APY

Observed: Sep 5, 2026

Min Deposit

$2,500

Access

Online only

#29

Prime Alliance Bank

18-Month Business CD

Term: 18 months

3.95%

APY

Observed: Sep 5, 2026

Min Deposit

$500

Access

Branch access

#30

Vio Bank

18-Month Online Certificate of Deposit CD

Term: 18 months

3.95%

APY

Observed: Sep 5, 2026

Min Deposit

$500

Access

Online only

#31

Live Oak Bank

18-Month Personal CD

Term: 18 months

3.90%

APY

Observed: Sep 5, 2026

Min Deposit

$2,500

Access

Online only

#32

Live Oak Bank

18-Month Business CD

Term: 18 months

3.90%

APY

Observed: Sep 5, 2026

Min Deposit

$2,500

Access

Online only

#33

Newtek Bank

18-Month CD

Term: 18 months

3.90%

APY

Observed: Sep 5, 2026

Min Deposit

$2,500

Access

Online only

#34

F&M Bank and Trust Company

18 Month CD Special

Term: 18 months

3.85%

APY

Observed: Sep 5, 2026

Min Deposit

$5,000

Access

Branch access

#35

Freedom Bank

18 Month CD Special

Term: 18 months

3.85%

APY

Observed: Sep 2, 2026

Min Deposit

$500

Access

Branch access

#36

Bonanza Valley State Bank

18-Month CD

Term: 18 months

3.80%

APY

Observed: Sep 2, 2026

Min Deposit

$500

Access

Branch access

#37

The Napoleon State Bank

18-Month CD

Term: 18 months

3.80%

APY

Observed: Sep 2, 2026

Min Deposit

$500

Access

Branch access

#38

First Bank

18-Month Variable Rate IRA

Term: 18 months

3.79%

APY

Observed: Sep 5, 2026

Min Deposit

$1,000

Access

Branch access

#39

Global Bank

18-Month Certificate of Deposit

Term: 18 months

3.75%

APY

Observed: Sep 2, 2026

Min Deposit

$1,000

Access

Branch access

#40

Zynlo Bank

18-Month CD

Term: 18 months

3.75%

APY

Observed: Sep 7, 2026

Min Deposit

Access

Online only

#41

First County Bank

18 Month No Penalty CD

Term: 18 months

3.65%

APY

Observed: Sep 5, 2026

Min Deposit

N/A

Access

Branch access

#42

Capital One

18-Month CD

Term: 18 months

3.60%

APY

Observed: Sep 5, 2026

Min Deposit

Access

Branch access

#43

First State Bank of Campbell Hill

18-Month Certificates of Deposits

Term: 18 months

3.55%

APY

Observed: Sep 2, 2026

Min Deposit

$500

Access

Branch access

#44

Charles River Bank

18 Month CD

Term: 18 months

3.50%

APY

Observed: Sep 4, 2026

Min Deposit

$1,000

Access

Branch access

#45

Charles River Bank

18 Month IRA CD

Term: 18 months

3.50%

APY

Observed: Sep 4, 2026

Min Deposit

$400

Access

Branch access

#46

Farmers & Merchants State Bank

18 Month CD

Term: 18 months

3.50%

APY

Observed: Sep 7, 2026

Min Deposit

$500

Access

Branch access

#47

Fifth District Savings Bank

18 Month Variable IRA CD

Term: 18 months

3.50%

APY

Observed: Sep 2, 2026

Min Deposit

$25

Access

Branch access

#48

First Federal Savings and Loan Association of McMinnville

18 Month IRA

Term: 18 months

3.50%

APY

Observed: Sep 2, 2026

Min Deposit

N/A

Access

Branch access

#49

FirstBank of Nebraska

18 Month CD

Term: 18 months

3.50%

APY

Observed: Sep 2, 2026

Min Deposit

$1,000

Access

Branch access

#50

FirstBank of Nebraska

18 Month IRA CD

Term: 18 months

3.50%

APY

Observed: Sep 2, 2026

Min Deposit

$1,000

Access

Branch access