United Bank offers the highest 18-month CD rate at 4.35%, nearly triple the national average, amid stable Fed policy in 2026.
The highest 18-month certificate of deposit rate reached 4.35% APY on August 10, 2026, offered by United Bank. This rate remains elevated despite three Federal Reserve rate cuts in 2025 and no changes in 2026.
The national average CD rate for a 1-year term stands at 1.65%, according to FDIC data. Current rates are among the highest in nearly two decades, reflecting the Fed’s prior efforts to curb inflation. Online banks and credit unions continue to offer more competitive rates than traditional institutions.
Investors are locking in high yields as deposit account rates stabilize, with 18-month CDs providing a balance between term length and return.