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18 Month CD Rates

Compare rates on 18 month CDs from banks and credit unions. Use the filter box below to customize your results. You can also use our Early Withdrawal Penalty Calculator to compare an 18-month CD rate to the effective APY of a CD with a longer term and higher rate that is broken at the 18 month mark.

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Deposit Amount | $1 $100,000
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Xceed Financial Credit Union17 Month CD9 Reviews1.50%$500-$534
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South Jersey Federal Credit Union18 Month CD Special2 Reviews1.26%$1k-$475
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Aspire Federal Credit Union15 Month eCertificate2 Reviews1.26%$1k-$395
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Triumph Savings Bank, SSB18 Month CD1.25%$1k-$472
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McGraw Hill Credit Union15 Months Promo CD1.25%$10k-$392
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Bogota Savings Bank17 Month Tiered CD - Online Only1.21%$25k-$430
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The Berkshire Bank18 Month CD6 Reviews1.20%$1k$500k$453
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Susquehanna BankBusiness 18 Month Fixed Rate CD Special12 Reviews1.20%$2,500-$453
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Capital Educators Federal Credit Union18 Month Promotional Share Certificate1.16%$500-$437
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NexBank18 Month CD1.15%$10k-$434
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Oritani BankLoyalty 18 Month Certificate1.15%$1k-$434
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Virtual Bank18 Month eCD5 Reviews1.08%$10k-$407
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Highlands State Bank20 Month CD1.06%$1k-$444
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Incredible BankIncredible 19 Month CD19 Reviews1.06%$10k$90k$422
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Nationwide Bank18 Month CD10 Reviews1.06%--$400
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Regal Bank18 Month CD1.06%$500-$400
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BAC Florida BankBAC Internet Time Deposit 18 Months1.06%$500-$400
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Cornerstone Bank (NJ)19 Month CD w/ CD Advantage Account1.05%$500-$418
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Discover Bank18 Month CD30 Reviews1.05%$2,500-$396
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First Choice Bank (NJ)18 Month CD1 Review1.05%$1k-$396
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Colorado Federal Savings Bank18 Month CD2 Reviews1.05%$5k-$396
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Palladian Private Bank18 Month CD6 Reviews1.05%$10k-$396
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Synchrony Bank18 Month CD14 Reviews1.05%$25k-$396
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Bank5 Connect18 Month Connect CD5 Reviews1.05%$500-$396
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Grand Yield Direct18 Month Great CD1.05%$1k-$396
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Doral Direct 18 Month CD6 Reviews1.02%$500-$385
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Franklin Synergy Bank15 Month eCD1.01%$1k$95k$317
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Ocean City Home Bank15 Month Variable Rate CD1 Review1.01%--$317
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Geauga Savings Bank18 Month CD1 Review1.00%$1k-$377
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Grand Bank, N.A.18 Month CD1.00%$1k-$377
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Hudson City Savings Bank18 Month CD13 Reviews1.00%$500-$377
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Cross River Bank18 Month CD1.00%$500-$377
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NewDominion Bank18 Month Fixed Rate CD1.00%$1k-$377
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Affinity Credit Union18 Month LadderUP CD5 Reviews1.00%$500-$377
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Andrews Federal Credit Union18 Month Share Certificate9 Reviews1.00%$1k-$377
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Salem Five18 Month eCD Special3 Reviews1.00%$10k-$377
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Salem Five Direct18 Month eCD Special10 Reviews1.00%$10k-$377
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Displaying 1-40 of 202 Results



18 Month CD Rate Trend

18-Month CD Rates

What is a CD?

Certificates of Deposit (or CDs) are financial products located somewhere on the “risk scale” in between savings accounts and common stock. Bank CDs, called Share Certificates by many credit unions, are offered in various ways and with varying maturity times. The 18-month CD is a popular offering because it is long enough to earn a fairly competitive yield, but short enough to avoid the draining effect of rising inflation on purchasing power.

Inflation Risk

Due to the “fixed” nature of certificate of deposit investments, long term CDs are threatened by an increasing rate of inflation. If the inflation rate surpasses the interest rate you are earning on a given CD, you have to make a choice to either withdraw the funds early (incurring a penalty) or suffer the devaluing of your money until the CD reaches maturity or the inflation rate reverses. The 18-month CD is short enough so that if inflation does surpass your interest rate, you won’t suffer very long. Because banks and credit unions usually link their CD rates with the inflation rate, it is good practice to evaluate whether inflation is trending upward or downward before locking in a fixed rate CD.

Short vs. Long-Term CDs

If you are not sure when you might need to access the funds that you are considering investing in a CD, a short term CD could be a better option (so as not to leave yourself in a liquidity pinch). The way to get the most value out of a CD is to pick a maturity date of when you think you will need the money and forget about it until it comes due. If withdrawal is not an option in your mind, it would make it easier to plan appropriately for expenses occurring before the CD matures.

Make sure that the institution offering the 18-month CD is federally insured so that if the institution fails, your money is guaranteed by the government to be reimbursed. Also, make sure to read the account agreement that you are making with the bank or credit union and check to see if they have placed any conditions on their obligation to repay your principal in full upon maturity of the CD. You should be able to receive your proceeds without any conditions.