Best 18 Month CD Rates in 2026

Name: Best 18 Month CD Rates in 2026
Creator: RateBrain

In 2026, the median 18 Month CD rate RateBrain tracked was 3.92% across 72 products. The highest was 4.90% APY from Raymond James Bank.

All years

Every 18 Month CD rate we tracked in 2026

Bank	High	Year end
Raymond James Bank	4.90%	4.90%
Merrick Bank	4.55%	4.55%
Popular Direct	4.55%	4.55%
Bread Financial	4.50%	4.50%
Elements Financial	4.50%	4.50%
BTG Pactual US	4.45%	4.45%
Academy Bank	4.40%	4.40%
DR Bank	4.40%	4.40%
E*TRADE	4.40%	4.40%
Sallie Mae	4.40%	4.40%
EagleBank	4.35%	4.35%
Marcus	4.35%	4.35%
OMB Bank	4.31%	4.31%
Accordia Bank	4.30%	4.30%
CFG Bank	4.30%	4.30%
First National Bank of America	4.30%	4.30%
Salem Five	4.30%	4.30%
Ally Bank	4.25%	4.25%
Space Coast Credit Union	4.25%	4.25%
Texas Capital Bank	4.25%	4.25%
All In Credit Union	4.23%	4.23%
Colorado Federal Savings Bank	4.20%	4.20%
CIBC Bank USA	4.15%	4.15%
Vio Bank	4.15%	4.15%
Live Oak Bank	4.10%	4.10%
Navy Federal Credit Union	4.10%	4.10%
TAB Bank	4.15%	4.10%
USALLIANCE Financial	4.10%	4.10%
Bank5 Connect	4.00%	4.00%
Bask Bank	4.00%	4.00%
Goldwater Bank	4.00%	4.00%
Quorum Federal Credit Union	4.00%	4.00%
Zynlo Bank	4.00%	4.00%
Self Help Credit Union	3.98%	3.98%
Genisys Credit Union	3.96%	3.96%
Quaint Oak Bank	3.95%	3.95%
Langley Federal Credit Union	3.90%	3.90%
Newtek Bank	3.90%	3.90%
Riverland Credit Union	3.90%	3.90%
Signature Federal Credit Union	3.85%	3.85%
Lafayette Federal Credit Union	3.66%	3.66%
American Express	3.65%	3.65%
Alliant Credit Union	3.60%	3.60%
Capital One	3.60%	3.60%
Capital One 360	3.60%	3.60%
BAC Florida	3.55%	3.55%
Latino Community Credit Union	3.55%	3.55%
Abound Credit Union	3.50%	3.50%
Digital Federal Credit Union	3.50%	3.50%
First Tech Federal Credit Union	3.50%	3.50%
Northpointe Bank	3.50%	3.50%
Ridgewood Savings Bank	3.50%	3.50%
Virtual Bank	3.46%	3.46%
EverBank	3.40%	3.40%
CD Bank	3.38%	3.38%
First Internet Bank	3.38%	3.38%
Justice Federal Credit Union	3.31%	3.31%
TFCU	3.25%	3.25%
Barclays Bank	3.00%	3.00%
Service Credit Union	3.00%	3.00%
PenFed Credit Union	2.90%	2.90%
Merchants Bank of Indiana	2.80%	2.80%
Southeast Financial CU	2.80%	2.80%
CIT Bank	2.75%	2.75%
First Command Bank	2.50%	2.50%
Mountain One Bank	2.25%	2.25%
Androscoggin Bank	2.00%	2.00%
Chase Bank	2.00%	2.00%
Citibank	2.00%	2.00%
USAA	1.65%	1.65%
MidFirst Direct	0.15%	0.15%
Charles Schwab Bank	0.00%	0.00%

Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.