Best Credit Union 18 Month CD Rates in Lawrence, Indiana, IN

You are viewing rates from credit unions across Lawrence

Below are eighteen month Certificates of Deposit (CD) rates from credit unions in Lawrence, Indiana. Eighteen Month CDs offer a bit more yield than 1 year CDs but require a longer time-commitment. Like any CD, you should consider the trade-off between the difference in yield and the required time commitment. If an 18 month CD pays significantly above the yield of a 12-month CD, it may be worth opening.

Lawrence, IN - August 1, 2025

18 Month CD National Average : 0.58% ^?

Credit Unions	APY	MIN	MILES ^?
Communitywide Hickory Branch Restrictions	4.20%	$1,000	-	Learn More Add Review
Rate History: 4.85% → 5.00% → 4.75% → 4.25% → 4.20%
Inova Corporate Branch Restrictions	4.00%	$200	-	Learn More Add Review
Rate History: 4.50% → 4.75% → 4.50% → 4.40% → 4.00%
Elements Financial Elements-ltc Branch Restrictions	4.00%	$1,000	-	Learn More Add Review
Rate History: 4.50% → 4.75% → 4.25% → 4.00%
Afena 44th St Branch Restrictions	2.43% 2.32% 2.17%	$100,000 $10,000 $250	-	Learn More Add Review
Indiana University Winslow Branch Restrictions	2.26%	$500	-	Learn More Add Review
Three Rivers Northland East Branch Restrictions	2.25%	$1,000	-	Learn More Add Review
Park Community Credit Union, Inc. New Albany Office Branch Restrictions	2.25%	$500	-	Learn More Add Review
Department of Commerce Restrictions	2.18%	$500	-	Learn More
Rate History: 4.76% → 4.24% → 3.98% → 3.52% → 2.18%
member \| Dec 14, 2022 Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More Reviews (2)
Heritage Main Office Branch Restrictions	2.10%	$500	-	Learn More Add Review
Rate History: 5.30% → 2.10%
Everwise Avon Branch Restrictions	1.62%	$500	-	Learn More Add Review
Liberty Etfcu West Evansville Office Branch Restrictions	1.55%	$1,000	-	Learn More Add Review
Rate History: 4.85% → 1.55%
Beacon Huntington Branch Restrictions	1.06%	$100,000	-	Learn More Add Review
Policemen's Policemens Federal Credit Union Branch Restrictions	1.05%	$100,000	-	Learn More Add Review
Encompass Encompass Fcu Branch Restrictions	1.00%	$500	-	Learn More Add Review
Via Credit Union Via Credit Union Branch Restrictions	1.00%	$10,000	-	Learn More
Ksmith@yahoo.com \| Feb 26, 2017 Overall very unprofessional, not compassionate, could use a few lessons in calculations. Very cocky attitudes. Read More Reviews (1)
Riverside Community Riverside Communty Federal Credit Union Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Policemen's Policemens Federal Credit Union Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Beacon Huntington Branch Restrictions	0.96%	$10,000	-	Learn More Add Review
Solidarity Community Main Office Branch Restrictions	0.95%	$500	-	Learn More
Silverfoxmann @Comcast.net \| Jan 30, 2021 I live in South Bend, IN. How can I join your bank for investments, CDs in particular Read More Reviews (1)
Kemba Peyton Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
Indiana Heartland Indiana Heartland Federal Credit Union Branch	0.95%	$10,000	-	Learn More Add Review
Diversified General Diversified General Fcu Branch	0.90%	$10,000	-	Learn More Add Review
Energy Plus Main Office Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
South Bend Firefighters South Bend Firefighters Fcu Branch	0.90%	$10,000	-	Learn More Add Review
Diamond Valley Main Office Branch Restrictions	0.88%	$10,000	-	Learn More Add Review
Bar-cons Columbus Office Branch Restrictions	0.85%	$50,000	-	Learn More Add Review
Financial Health Financial Health Federal Credit Union Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
L & N Jeffersonville Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Members Source Griffith Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Aaa Main Office Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Bar-cons Columbus Office Branch Restrictions	0.75%	$5,000	-	Learn More Add Review
Industrial Main Office Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Crane Crane Federal Credit Union Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Perfect Circle 631 E Main St Branch Restrictions	0.75%	$100,000	-	Learn More Add Review
La Porte Community Michigan City Office Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Tech Main Office Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
Centra Union Street Branch Restrictions	0.65%	$100,000	-	Learn More
Jason crook \| Mar 14, 2020 One thing I hate about Centra Credit f***** Union they have no customer service help at all whatsoever. After hours that sucks ass Read More* Reviews (1)
Interra Interra Main Office Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
Fortress Fortress Federal Credit Union Branch	0.65%	$10,000	-	Learn More Add Review
Perfect Circle 631 E Main St Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Indiana Lakes 322 South Detroit Street Branch	0.65%	$10,000	-	Learn More Add Review
Financial Partners Financial Partners Fcu Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Centra Union Street Branch Restrictions	0.60%	$10,000	-	Learn More
Jason crook \| Mar 14, 2020 One thing I hate about Centra Credit f***** Union they have no customer service help at all whatsoever. After hours that sucks ass Read More* Reviews (1)
Staley Lafayette Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Haynes Community Haynes Community Federal Credit Union Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
U S #1364 Merrillville Office Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Members Advantage Ohio Steet Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Hoosier Hills Bedford Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Chiphone Corporate Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Fort Financial Fort Financial Credit Union Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Members Choice Main Office Branch	0.50%	$10,000	-	Learn More Add Review
Harvester Financial Indianapolis Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Regional Hammond Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Natco Main Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Indiana State University Isu Credit Union Branch Restrictions	0.45%	$100,000	-	Learn More Add Review
Tech Main Office Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Profed Main Branch Restrictions	0.40%	$500	-	Learn More Add Review
Midwest America Tillman Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Purdue Purdue Federal Credit Union - Union Street Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
First Trust First Trust Federal Credit Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Kokomo Heritage Kokomo Heritage Federal Credit Union Branch	0.40%	$100,000	-	Learn More Add Review
Interra Interra Main Office Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Financial Center First Main Center Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
Allegius Allegius Credit Union Branch Restrictions	0.40%	$10,000	-	Learn More
dannyhin \| May 1, 2019 They are the worst loan company I have ever worked with. Disrespectful staff and argumentative. No online or over the phone payments. Simple problems they blame the customer and take no responsibility. Avo... Read More Reviews (2)
Kemba Indianapolis Main Office Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Staley Lafayette Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Kokomo Heritage Kokomo Heritage Federal Credit Union Branch	0.35%	$10,000	-	Learn More Add Review
Financial Center First Main Center Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Advance Financial Schererville Office Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Indiana State University Isu Credit Union Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Fire Police City County Main Office Branch	0.30%	$10,000	-	Learn More
Fort Wayne \| Apr 16, 2021 Steady and reliable Read More Reviews (1)
Notre Dame Main/moreau Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Business And Industrial Marr Road Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Hometown Hometown Federal Credit Union Branch	0.25%	$10,000	-	Learn More Add Review
Northpark Community Main Office Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Partners 1st Partners 1st Fcu, Br. 52 Branch Restrictions	0.18%	$10,000	-	Learn More Add Review
Genfed Financial Shelbyville Office Branch	0.18%	$10,000	-	Learn More Add Review
Northern Indiana Merrillville Office Branch Restrictions	0.18%	$10,000	-	Learn More Add Review
Grand Heritage Grand Heritage Federal Credit Union Branch	0.15%	$10,000	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007

Branch	Street	City	State
COMMUNITYWIDE Hickory Hickory Branch	3530 Hickory Rd	Mishawaka	IN
INOVA Corporate Corporate Branch	358 S Elkhart Ave	Elkhart	IN
ELEMENTS FINANCIAL Elements-ltc Elements-ltc Branch	1400 W Raymond St	Indianapolis	IN
AFENA 44th St Branch 44th St Branch	1312 W 44th St	Marion	IN
AFENA 44th St Branch 44th St Branch	1312 W 44th St	Marion	IN
INDIANA UNIVERSITY Winslow Branch Winslow Branch	105 E Winslow Rd	Bloomington	IN
THREE RIVERS Northland East Northland East Branch	1605 Northland Blvd	Fort Wayne	IN
PARK COMMUNITY CREDIT UNION, INC. New Albany Office New Albany Office Branch	4100 Technology Ave	New Albany	IN
AFENA 44th St Branch 44th St Branch	1312 W 44th St	Marion	IN
HERITAGE Main Office Main Office Branch	5388 W State Route 66	Newburgh	IN
EVERWISE Avon Avon Branch	7607 E US Highway 36	Avon	IN
LIBERTY Etfcu West Evansville Office Etfcu West Evansville Office Branch	4905 University Dr	Evansville	IN
BEACON Huntington Huntington Branch	136 Northpoint Ave	Huntington	IN
POLICEMEN'S Policemens Federal Credit Union Policemens Federal Credit Union Branch	1130 S Main St	South Bend	IN
ENCOMPASS Encompass Fcu Encompass Fcu Branch	201 N Main St	Tipton	IN
VIA CREDIT UNION Via Credit Union Via Credit Union Branch	4505 S Adams St	Marion	IN
RIVERSIDE COMMUNITY Riverside Communty Federal Credit Union Riverside Communty Federal Credit Union Branch	508 E Charles St	Marion	IN
POLICEMEN'S Policemens Federal Credit Union Policemens Federal Credit Union Branch	1130 S Main St	South Bend	IN
BEACON Huntington Huntington Branch	136 Northpoint Ave	Huntington	IN
SOLIDARITY COMMUNITY Main Office Main Office Branch	201 E Southway Blvd	Kokomo	IN
KEMBA Peyton Peyton Branch	1111 S Adams St	Bluffton	IN
INDIANA HEARTLAND Indiana Heartland Federal Credit Union Indiana Heartland Federal Credit Union Branch	402 S Berkley Rd	kokomo	IN
DIVERSIFIED GENERAL Diversified General Fcu Diversified General Fcu Branch	631 E BROADWAY	Logansport	IN
ENERGY PLUS Main Office Main Office Branch	1230 W Morris St	Indianapolis	IN
SOUTH BEND FIREFIGHTERS South Bend Firefighters Fcu South Bend Firefighters Fcu Branch	1122 S MAIN ST	SOUTH BEND	IN
DIAMOND VALLEY Main Office Main Office Branch	840 E Diamond Ave	Evansville	IN
BAR-CONS Columbus Office Columbus Office Branch	1142 N Marr Rd	Columbus	IN
FINANCIAL HEALTH Financial Health Federal Credit Union Financial Health Federal Credit Union Branch	1515 N Senate Ave	Indianapolis	IN
L & N Jeffersonville Jeffersonville Branch	1450 VETERANS PKWY STE 100	JEFFERSONVILLE	IN
MEMBERS SOURCE Griffith Griffith Branch	1903 W Glen Park Ave	Griffith	IN
AAA Main Office Main Office Branch	1112 N Bendix Dr	South Bend	IN
BAR-CONS Columbus Office Columbus Office Branch	1142 N Marr Rd	Columbus	IN
INDUSTRIAL Main Office Main Office Branch	1115 Sagamore Pkwy S	Lafayette	IN
CRANE Crane Federal Credit Union Crane Federal Credit Union Branch	1 W Gate Dr	Odon	IN
PERFECT CIRCLE 631 E Main St 631 E Main St Branch	631 E Main St	Hagerstown	IN
LA PORTE COMMUNITY Michigan City Office Michigan City Office Branch	1315 Southwind Dr	Michigan City	IN
TECH Main Office Main Office Branch	10951 Broadway	Crown Point	IN
CENTRA Union Street Union Street Branch	601 Union St	Columbus	IN
INTERRA Interra Main Office Interra Main Office Branch	300 W Lincoln Ave	Goshen	IN
FORTRESS Fortress Federal Credit Union Fortress Federal Credit Union Branch	615 N Western Ave	Marion	IN
PERFECT CIRCLE 631 E Main St 631 E Main St Branch	631 E Main St	Hagerstown	IN
INDIANA LAKES 322 South Detroit Street 322 South Detroit Street Branch	322 S Detroit St	Warsaw	IN
FINANCIAL PARTNERS Financial Partners Fcu Financial Partners Fcu Branch	22440 Main St	Woodburn	IN
CENTRA Union Street Union Street Branch	601 Union St	Columbus	IN
STALEY Lafayette Branch Lafayette Branch	1632 Union St	Lafayette	IN
HAYNES COMMUNITY Haynes Community Federal Credit Union Haynes Community Federal Credit Union Branch	1801 S Park Rd	Kokomo	IN
U S #1364 Merrillville Office Merrillville Office Branch	8400 BROADWAY	MERRILLVILLE	IN
MEMBERS ADVANTAGE Ohio Steet Branch Ohio Steet Branch	3064 Ohio St	Michigan City	IN
HOOSIER HILLS Bedford Bedford Branch	630 Lincoln Ave	Bedford	IN
CHIPHONE Corporate Corporate Branch	710 N WILDWOOD AVE	ELKHART	IN
FORT FINANCIAL Fort Financial Credit Union Fort Financial Credit Union Branch	3102 Spring St	Fort Wayne	IN
MEMBERS CHOICE Main Office Main Office Branch	520 W Patterson Dr	Bloomington	IN
HARVESTER FINANCIAL Indianapolis Indianapolis Branch	7020 Brookville Rd	Indianapolis	IN
REGIONAL Hammond Hammond Branch	7144 Kennedy Ave	Hammond	IN
NATCO Main Main Branch	582 S ROUND BARN RD	RICHMOND	IN
INDIANA STATE UNIVERSITY Isu Credit Union Isu Credit Union Branch	444 N 3rd St	Terre Haute	IN
TECH Main Office Main Office Branch	10951 Broadway	Crown Point	IN
PROFED Main Branch Main Branch	1710 Saint Joe River Dr	Fort Wayne	IN
MIDWEST AMERICA Tillman Tillman Branch	801 E Tillman Rd	Fort Wayne	IN
PURDUE Purdue Federal Credit Union - Union Street Purdue Federal Credit Union - Union Street Branch	1520 Union St	Lafayette	IN
FIRST TRUST First Trust Federal Credit First Trust Federal Credit Branch	950 E US Highway 20	Michigan City	IN
KOKOMO HERITAGE Kokomo Heritage Federal Credit Union Kokomo Heritage Federal Credit Union Branch	901 S Courtland Ave	Kokomo	IN
INTERRA Interra Main Office Interra Main Office Branch	300 W Lincoln Ave	Goshen	IN
FINANCIAL CENTER FIRST Main Center Main Center Branch	7101 E 56th St	Indianapolis	IN
ALLEGIUS Allegius Credit Union Allegius Credit Union Branch	244 Allegius Dr	Burns Harbor	IN
KEMBA INDIANAPOLIS Main Office Main Office Branch	444 S Shortridge Rd	Indianapolis	IN
STALEY Lafayette Branch Lafayette Branch	1632 Union St	Lafayette	IN
KOKOMO HERITAGE Kokomo Heritage Federal Credit Union Kokomo Heritage Federal Credit Union Branch	901 S Courtland Ave	Kokomo	IN
FINANCIAL CENTER FIRST Main Center Main Center Branch	7101 E 56th St	Indianapolis	IN
ADVANCE FINANCIAL Schererville Office Schererville Office Branch	31 W US Highway 30	Schererville	IN
INDIANA STATE UNIVERSITY Isu Credit Union Isu Credit Union Branch	444 N 3rd St	Terre Haute	IN
FIRE POLICE CITY COUNTY Main Office Main Office Branch	3306 N CLINTON ST	FORT WAYNE	IN
NOTRE DAME Main/moreau Main/moreau Branch	1828 Moreau Dr	Notre Dame	IN
BUSINESS AND INDUSTRIAL Marr Road Marr Road Branch	740 N Marr Rd	Columbus	IN
HOMETOWN Hometown Federal Credit Union Hometown Federal Credit Union Branch	151 N Broadway	Peru	IN
NORTHPARK COMMUNITY Main Office Main Office Branch	5965 Technology Center Dr	Indianapolis	IN
PARTNERS 1ST Partners 1st Fcu, Br. 52 Partners 1st Fcu, Br. 52 Branch	6210 W Jefferson Blvd	Fort Wayne	IN
GENFED FINANCIAL Shelbyville Office Shelbyville Office Branch	1648 N MICHIGAN RD	Shelbyville	IN
NORTHERN INDIANA Merrillville Office Merrillville Office Branch	8121 Grand Blvd	Merrillville	IN
GRAND HERITAGE Grand Heritage Federal Credit Union Grand Heritage Federal Credit Union Branch	201 Koomler Dr	Laporte	IN

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.

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Credit Union CD Rates – 18-Month – Lawrence, Indiana

Branches Info around zip 10007

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

NCUA Insurance

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

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