Highest 18-Month CD Rates
Compare 18-Month CD rates from 89 banks

By Aviel Fahl

Rates verified: August 21, 2026

Top 10 Rates:4.00-4.50% APYFDIC or NCUA Insured

135 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 135 18-month cd products tracked across 89 banks.

Rates verified: Friday, August 21, 2026

Top 50 CD terms from 42 banks,sorted by highest APY

#	Institution & CD	Rate & Features	Minimum Deposit
#1	Bread Savings 18-Month CD Term: 18 months	4.50%APY Verified: Aug 20, 2026 Access: Online only	$1,500
#2	Popular Direct 18 Months Term: 18 months	4.35%APY Verified: Aug 20, 2026 Access: Online only	$10,000
#3	Marcus by Goldman Sachs 18-Month High Yield CD Term: 18 months	4.30%APY Verified: Aug 21, 2026 Access: Online only	$500
#4	E*TRADE from Morgan Stanley 18-Month Certificates of Deposit Term: 18 months	4.25%APY Verified: Aug 21, 2026 Access: Online only	$0
#5	Sallie Mae Bank 18-Month Certificates of deposit CDs Term: 18 months	4.25%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#6	Synchrony Bank 18 Month CD Term: 18 months	4.25%APY Verified: Aug 21, 2026 Access: Online only	$0
#7	Synchrony Bank 18 Month IRA CD Term: 18 months	4.25%APY Verified: Aug 21, 2026 Access: Online only	$0
#8	TAB Bank 18-Month CD Term: 18 months	4.10%APY Verified: Aug 21, 2026 Access: Online only	$1,000
#9	Colorado Federal Savings Bank 18-Month CD Term: 18 months	4.05%APY Verified: Aug 20, 2026 Access: Online only	$5,000
#10	Ally Bank 18 Mo IRA CD Term: 18 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$0
#11	Ally Bank 18 Mo CD Term: 18 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$0
#12	Bank5 Connect 18-Month CD Term: 18 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$500
#13	Bask Bank 18-Month Term: 18 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$1,000
#14	CIBC Bank USA 18-Month Agility CD Term: 18 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$1,000
#15	FinWise Bank 18-Month Certificate Term: 18 months	4.00%APY Verified: Aug 16, 2026 Access: Branch access	$500
#16	FinWise Bank 18-Month IRA Certificate Term: 18 months	4.00%APY Verified: Aug 16, 2026 Access: Branch access	N/A
#17	Poppy Bank 18-Month IRA CD Term: 18 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#18	Salem Five Direct 18-Month Special CD Term: 18 months	4.00%APY Verified: Aug 19, 2026 Access: Online only	$10,000
#19	Grant County Bank 18-Month IRA Certificate Term: 18 months	3.97%APY Verified: Aug 20, 2026 Access: Branch access	$100
#20	Newtek Bank 18-Month CD Term: 18 months	3.95%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#21	Prime Alliance Bank 18-Month Business CD Term: 18 months	3.95%APY Verified: Aug 19, 2026 Access: Branch access	$500
#22	Vio Bank 18-Month Online Certificate of Deposit CD Term: 18 months	3.95%APY Verified: Aug 20, 2026 Access: Online only	$500
#23	Live Oak Bank 18-Month Personal CD Term: 18 months	3.90%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#24	Live Oak Bank 18-Month Business CD Term: 18 months	3.90%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#25	Newtek Bank 18-Month CD Term: 18 months	3.90%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#26	F&M Bank and Trust Company 18 Month CD Special Term: 18 months	3.85%APY Verified: Aug 21, 2026 Access: Branch access	$5,000
#27	Freedom Bank 18 Month CD Special Term: 18 months	3.85%APY Verified: Aug 15, 2026 Access: Branch access	$500
#28	Bonanza Valley State Bank 18-Month CD Term: 18 months	3.80%APY Verified: Aug 19, 2026 Access: Branch access	$500
#29	The Napoleon State Bank 18-Month CD Term: 18 months	3.80%APY Verified: Aug 19, 2026 Access: Branch access	$500
#30	First Bank 18-Month Variable Rate IRA Term: 18 months	3.79%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#31	Global Bank 18-Month Certificate of Deposit Term: 18 months	3.75%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#32	Zynlo Bank 18-Month CD Term: 18 months	3.75%APY Verified: Aug 21, 2026 Access: Online only	$0
#33	First Federal Savings and Loan Association 18 Month CD Term: 18 months	3.70%APY Verified: Aug 19, 2026 Access: Branch access	$500
#34	First County Bank 18 Month No Penalty CD Term: 18 months	3.65%APY Verified: Aug 21, 2026 Access: Branch access	N/A
#35	Capital One 18-Month CD Term: 18 months	3.60%APY Verified: Aug 21, 2026 Access: Branch access	$0
#36	First State Bank of Campbell Hill 18-Month Certificates of Deposits Term: 18 months	3.55%APY Verified: Aug 19, 2026 Access: Branch access	$500
#37	Farmers & Merchants State Bank 18 Month CD Term: 18 months	3.50%APY Verified: Aug 21, 2026 Access: Branch access	$500
#38	Fifth District Savings Bank 18 Month Variable IRA CD Term: 18 months	3.50%APY Verified: Aug 19, 2026 Access: Branch access	$25
#39	First Federal Savings and Loan Association of McMinnville 18 Month IRA Term: 18 months	3.50%APY Verified: Aug 15, 2026 Access: Branch access	N/A
#40	FirstBank of Nebraska 18 Month CD Term: 18 months	3.50%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#41	FirstBank of Nebraska 18 Month IRA CD Term: 18 months	3.50%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#42	Forbright Bank 18-23 Month CD Term: 18-23 months	3.50%APY Verified: Aug 20, 2026 Access: Branch access	$1,000
#43	Lindell Bank & Trust Company 18-Month Special Certificates of Deposit** Term: 18 months	3.50%APY Verified: Aug 21, 2026 Access: Branch access	$10,000
#44	Farmers and Merchants Union Bank 18 Month IRA CD Term: 18 months	3.48%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#45	Farm Bureau Bank FSB 18 Month CD Term: 18 months	3.45%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#46	First Federal Bank of Kansas City 18-Month CD Term: 18 months	3.45%APY Verified: Aug 21, 2026 Access: Branch access	N/A
#47	Carver Bank 18 Month HI-Rise CD Term: 18 months	3.43%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#48	Farmers and Merchants Union Bank 18 Month CD Term: 18 months	3.43%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#49	Farmers and Merchants Union Bank 18 Month HSA CD Term: 18 months	3.43%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#50	First State Bank 18 Month CD Term: 18 months	3.43%APY Verified: Aug 15, 2026 Access: Branch access	$1,000

Bread Savings

18-Month CD

Term: 18 months

4.50%

APY

Verified: Aug 20, 2026

Min Deposit

$1,500

Access

Online only

Popular Direct

18 Months

Term: 18 months

4.35%

APY

Verified: Aug 20, 2026

Min Deposit

$10,000

Access

Online only

Marcus by Goldman Sachs

18-Month High Yield CD

Term: 18 months

4.30%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Online only

E*TRADE from Morgan Stanley

18-Month Certificates of Deposit

Term: 18 months

4.25%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Sallie Mae Bank

18-Month Certificates of deposit CDs

Term: 18 months

4.25%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

Synchrony Bank

18 Month CD

Term: 18 months

4.25%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Synchrony Bank

18 Month IRA CD

Term: 18 months

4.25%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

TAB Bank

18-Month CD

Term: 18 months

4.10%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Online only

Colorado Federal Savings Bank

18-Month CD

Term: 18 months

4.05%

APY

Verified: Aug 20, 2026

Min Deposit

$5,000

Access

Online only

#10

Ally Bank

18 Mo IRA CD

Term: 18 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#11

Ally Bank

18 Mo CD

Term: 18 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#12

Bank5 Connect

18-Month CD

Term: 18 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Online only

#13

Bask Bank

18-Month

Term: 18 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Online only

#14

CIBC Bank USA

18-Month Agility CD

Term: 18 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Online only

#15

FinWise Bank

18-Month Certificate

Term: 18 months

4.00%

APY

Verified: Aug 16, 2026

Min Deposit

$500

Access

Branch access

#16

FinWise Bank

18-Month IRA Certificate

Term: 18 months

4.00%

APY

Verified: Aug 16, 2026

Min Deposit

N/A

Access

Branch access

#17

Poppy Bank

18-Month IRA CD

Term: 18 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#18

Salem Five Direct

18-Month Special CD

Term: 18 months

4.00%

APY

Verified: Aug 19, 2026

Min Deposit

$10,000

Access

Online only

#19

Grant County Bank

18-Month IRA Certificate

Term: 18 months

3.97%

APY

Verified: Aug 20, 2026

Min Deposit

$100

Access

Branch access

#20

Newtek Bank

18-Month CD

Term: 18 months

3.95%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#21

Prime Alliance Bank

18-Month Business CD

Term: 18 months

3.95%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#22

Vio Bank

18-Month Online Certificate of Deposit CD

Term: 18 months

3.95%

APY

Verified: Aug 20, 2026

Min Deposit

$500

Access

Online only

#23

Live Oak Bank

18-Month Personal CD

Term: 18 months

3.90%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#24

Live Oak Bank

18-Month Business CD

Term: 18 months

3.90%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#25

Newtek Bank

18-Month CD

Term: 18 months

3.90%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#26

F&M Bank and Trust Company

18 Month CD Special

Term: 18 months

3.85%

APY

Verified: Aug 21, 2026

Min Deposit

$5,000

Access

Branch access

#27

Freedom Bank

18 Month CD Special

Term: 18 months

3.85%

APY

Verified: Aug 15, 2026

Min Deposit

$500

Access

Branch access

#28

Bonanza Valley State Bank

18-Month CD

Term: 18 months

3.80%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#29

The Napoleon State Bank

18-Month CD

Term: 18 months

3.80%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#30

First Bank

18-Month Variable Rate IRA

Term: 18 months

3.79%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#31

Global Bank

18-Month Certificate of Deposit

Term: 18 months

3.75%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#32

Zynlo Bank

18-Month CD

Term: 18 months

3.75%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#33

First Federal Savings and Loan Association

18 Month CD

Term: 18 months

3.70%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#34

First County Bank

18 Month No Penalty CD

Term: 18 months

3.65%

APY

Verified: Aug 21, 2026

Min Deposit

N/A

Access

Branch access

#35

Capital One

18-Month CD

Term: 18 months

3.60%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Branch access

#36

First State Bank of Campbell Hill

18-Month Certificates of Deposits

Term: 18 months

3.55%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#37

Farmers & Merchants State Bank

18 Month CD

Term: 18 months

3.50%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#38

Fifth District Savings Bank

18 Month Variable IRA CD

Term: 18 months

3.50%

APY

Verified: Aug 19, 2026

Min Deposit

$25

Access

Branch access

#39

First Federal Savings and Loan Association of McMinnville

18 Month IRA

Term: 18 months

3.50%

APY

Verified: Aug 15, 2026

Min Deposit

N/A

Access

Branch access

#40

FirstBank of Nebraska

18 Month CD

Term: 18 months

3.50%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#41

FirstBank of Nebraska

18 Month IRA CD

Term: 18 months

3.50%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#42

Forbright Bank

18-23 Month CD

Term: 18-23 months

3.50%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Branch access

#43

Lindell Bank & Trust Company

18-Month Special Certificates of Deposit**

Term: 18 months

3.50%

APY

Verified: Aug 21, 2026

Min Deposit

$10,000

Access

Branch access

#44

Farmers and Merchants Union Bank

18 Month IRA CD

Term: 18 months

3.48%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#45

Farm Bureau Bank FSB

18 Month CD

Term: 18 months

3.45%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#46

First Federal Bank of Kansas City

18-Month CD

Term: 18 months

3.45%

APY

Verified: Aug 21, 2026

Min Deposit

N/A

Access

Branch access

#47

Carver Bank

18 Month HI-Rise CD

Term: 18 months

3.43%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#48

Farmers and Merchants Union Bank

18 Month CD

Term: 18 months

3.43%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#49

Farmers and Merchants Union Bank

18 Month HSA CD

Term: 18 months

3.43%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#50

First State Bank

18 Month CD

Term: 18 months

3.43%

APY

Verified: Aug 15, 2026

Min Deposit

$1,000

Access

Branch access