At Business Insider, we monitor the best banks and credit unions daily to find the highest 18-month CD rates nationwide. The best 18-month CDs can generally be found at online banks and credit unions.

The current best CD rate for a 12-month CD term is 4.60% APY from EagleBank. In comparison, the average rate for a 1-year CD in the U.S. is 1.84% APY (Annual Percentage Yield) according to the FDIC.