Skip to main content

Highest 18-Month CD Rates
Compare 18-Month CD rates from 730 banks

By Aviel Fahl

Newest reading: October 5, 2026

Top 10 Rates:4.50-4.90% APYFDIC or NCUA Insured
1126 active 18-month cd products tracked. The count includes business, IRA and other CD types, and CDs whose term range covers 18 months.

Top 50 18-Month CD Rates

Ordered by highest APY. Showing the top 50 of 1126 18-month cd products tracked across 730 banks.

Newest reading: Monday, October 5, 2026

Top 50 CD terms from 39 banks,sorted by highest APY
#1
Bank of Franklin County

18 Month YOUTH Fair CD Special

Term: 18 months

4.90%
APY
Observed: Oct 5, 2026
Min Deposit

$100

Branches

Yes

#2
Raymond James Bank

18 Month CD

Term: 18 months

4.90%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

N/A

#3
State Bank of Newburg

18 mo Variable Rate IRA Certificate of Deposit

Term: 18 months

4.84%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#4
Popular Direct

18 Months

Term: 18 months

Available nationwide

4.65%
APY
Observed: Oct 5, 2026
Min Deposit

$10,000

Branches

None

#5
Somerset Regal Bank

18 Month Variable IRA

Term: 18 months

4.60%
APY
Observed: Oct 5, 2026
Min Deposit

$100

Branches

Yes

#6
Bread Savings

18-Month CD

Term: 18 months

Available nationwide

4.50%
APY
Observed: Oct 5, 2026
Min Deposit

$1,500

Branches

None

#7
Bread Savings

18-Month Retirement CD

Term: 18 months

4.50%
APY
Observed: Oct 5, 2026
Min Deposit

$1,500

Branches

N/A

#8
Credit One Bank, National Association

18 Month High Yield Jumbo CD

Term: 18 months

4.50%
APY
Observed: Oct 5, 2026
Min Deposit

$100,000

Branches

N/A

4.50%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#10
First National Bank of Michigan

18 Month Rising Rate CD

Term: 18 months

4.50%
APY
Observed: Oct 5, 2026
Min Deposit

$10,000

Branches

Yes

#11
Academy Bank, National Association

18-Month CD

Term: 18 months

4.40%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#12
Academy Bank, National Association

18-Month CD IRA

Term: 18 months

4.40%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#13
DR Bank

18 Month CD

Term: 18 months

4.40%
APY
Observed: Oct 2, 2026
Min Deposit

$500

Branches

Yes

#14
DR Bank

18 Month IRA CD

Term: 18 months

4.40%
APY
Observed: Oct 2, 2026
Min Deposit

N/A

Branches

Yes

#15
E*TRADE from Morgan Stanley

18-Month Certificates of Deposit

Term: 18 months

Available nationwide

4.40%
APY
Observed: Oct 5, 2026
Min Deposit

$0

Branches

None

#16
Marcus by Goldman Sachs

18-Month High Yield CD

Term: 18 months

Available nationwide

4.40%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

None

#17
Sallie Mae Bank

18-Month Certificates of deposit CDs

Term: 18 months

Available nationwide

4.40%
APY
Observed: Oct 5, 2026
Min Deposit

$2,500

Branches

None

#18
Unity Bank

18 Month CD Promo

Term: 18 months

4.40%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

N/A

#19
EagleBank

18 Month CD

Term: 18 months

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#20
Rising Bank

Rising CD 18-Month

Term: 18 months

Available nationwide

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$5,000

Branches

None

#21
Synchrony Bank

18 Month CD

Term: 18 months

Available nationwide

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$0

Branches

None

#22
Synchrony Bank

18 Month IRA CD

Term: 18 months

Available nationwide

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$0

Branches

None

#23
The Lincoln National Bank of Hodgenville

18 Month Certificate of Deposit

Term: 18 months

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#24
The Lincoln National Bank of Hodgenville

18 Month IRA Certificate of Deposit

Term: 18 months

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#25
The Lincoln National Bank of Hodgenville

18 Month IRA Variable Certificate of Deposit

Term: 18 months

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#26
Omb Bank

18 Month CD

Term: 18 months

Available nationwide

4.31%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#27
Bank of Deerfield

18 Month

Term: 18 months

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#28
Bank of Deerfield

18 Month IRA

Term: 18 months

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#29
Fidelity Bank & Trust

18 Month CD

Term: 18 months

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

N/A

Branches

Yes

#30
Salem Five Cents Savings Bank

18 Month Special CD

Term: 18 months

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

N/A

Branches

Yes

#31
Salem Five Cents Savings Bank

18 Month Special IRA

Term: 18 months

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$2,000

Branches

Yes

#32
Salem Five Direct

18-Month Special CD

Term: 18 months

Available nationwide

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$10,000

Branches

None

#33
First State Bank

18 Month CD

Term: 18 months

4.29%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#34
Ally Bank

18 Mo IRA CD

Term: 18 months

Available nationwide

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$0

Branches

None

#35
Ally Bank

18 Mo CD

Term: 18 months

Available nationwide

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$0

Branches

None

#36
Great Rivers Bank

18-Month CD

Term: 18 months

4.25%
APY
Observed: Oct 3, 2026
Min Deposit

N/A

Branches

Yes

#37
Nicolet National Bank

18 Month CD

Term: 18 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$2,500

Branches

Yes

#38
Nicolet National Bank

18 Month IRA CD

Term: 18 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$2,500

Branches

Yes

#39
Poppy Bank

18-Month IRA CD

Term: 18 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#40
Poppy Bank

18-Month CD

Term: 18 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#41
Prime Alliance Bank

18-Month Business CD

Term: 18 months

Available nationwide

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#42
TD Bank

TD Choice 18 Month CD

Term: 18 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$250

Branches

Yes

#43
The Ohio Valley Bank Company

18 Month IRA / Roth TDOA

Term: 18 months

4.25%
APY
Observed: Oct 3, 2026
Min Deposit

$500

Branches

Yes

#44
Arundel Federal Savings Bank

18 Month Certificate

Term: 18 months

4.24%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

Yes

#45
Piscataqua Savings Bank

1 1/2 Year CD

Term: 18 months

4.24%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#46
Grant County Bank

18-Month IRA Certificate

Term: 18 months

4.23%
APY
Observed: Oct 5, 2026
Min Deposit

$100

Branches

Yes

#47
The First National Bank in Tremont

18 Month Variable IRA

Term: 18 months

4.22%
APY
Observed: Oct 3, 2026
Min Deposit

N/A

Branches

Yes

#48
Citizens Bank & Trust Company

18 Month CD

Term: 18 months

4.21%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#49
Citizens Bank

18 Month CD

Term: 18 months

4.20%
APY
Observed: Oct 3, 2026
Min Deposit

$500

Branches

Yes

#50
Colorado Federal Savings Bank

18-Month CD

Term: 18 months

Available nationwide

4.20%
APY
Observed: Oct 5, 2026
Min Deposit

$5,000

Branches

None