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18 Month IRA Rates

Compare rates on 18 month IRAs from banks and credit unions. Use the filter box below to customize your results.

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Deposit Amount | $1 $100,000
Currently Including:
66
RESULTS

Results

Xceed Financial Credit Union19 Month IRA (Traditional,CESA,Roth)9 Reviews1.25%$500-$498
DETAILS
NASA Federal Credit Union15 Month IRA Certificate (Traditional,CESA,Roth,SEP)2 Reviews1.25%$5k-$392
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Capital Educators Federal Credit Union18 Month Promotional IRA Certificate (Traditional,Roth,CESA,SEP)1.15%$500-$434
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Discover Bank18 Month IRA (Traditional,Roth)27 Reviews1.05%$2,500-$396
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Synchrony Bank18 Month IRA CD (Traditional,Roth)12 Reviews1.05%$25k-$396
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Hudson City Savings Bank18 Month IRA (Traditional,Roth,SEP,CESA,SIMPLE)11 Reviews1.00%$500-$377
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Andrews Federal Credit Union18 Month IRA Certificate (Traditional,Roth,CESA)9 Reviews1.00%$1k-$377
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Affinity Credit Union18 Month LadderUP IRA5 Reviews1.00%$500-$377
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Ally BankIRA High Yield 18-Month CD (Traditional,Roth,SEP)114 Reviews1.00%--$377
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Salem Five18 Month IRA Special (Traditional,CESA,Roth,SEP)3 Reviews1.00%$2k-$377
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First Internet Bank of IN18 Month IRA (Traditional,Roth,CESA)1 Review0.95%--$358
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EverBank1.5 Year Yield Pledge IRA (Traditional,Roth)13 Reviews0.90%$1,500-$339
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Pen Air Credit Union18 Month IRA (Traditional,Roth,SEP,CESA)2 Reviews0.90%$500-$339
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Alliant Credit Union18 - 23 Month Roth IRA13 Reviews0.90%$1k-$336
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Digital Credit Union12 - 23 Month IRA Certificate - Relationship Rate (Traditional,Roth,SEP,SIMPLE)8 Reviews0.85%$500-$317
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Patriot Bank13-23 Month IRA4 Reviews0.85%$1k-$317
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Geauga Savings Bank18 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)1 Review0.80%--$301
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Communitywide Credit Union18 Month IRA Share Certificate0.80%$2k-$301
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OneWest Bank N.A. (Pasadena, CA)18 Month IRA (Traditional,Roth,SEP)16 Reviews0.75%$1k-$283
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Belvoir Federal Credit Union18 Month IRA Share Certificate1 Review0.75%$1k-$283
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Sandia Laboratory Credit Union18 Month Bump Up IRA (Traditional,Roth,CESA)0.70%$2k-$264
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Security Bank (OK)18 Month IRA (Traditional,Roth)0.70%$2k-$264
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Astera Credit Union18 Month IRA (Traditional,Roth,CESA)2 Reviews0.65%$500-$245
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Northern Bank & Trust Company18 Month IRA (Traditional,Roth,CESA,SEP)0.65%$500-$245
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McGraw Hill Credit Union18 Month IRA (Traditional,Roth,CESA)0.60%$10k-$226
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Principal Bank18 Month IRA (Traditional,Roth)0.60%$2,500-$226
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National Bank of Kansas City12 - 23 Month IRA (Traditional,Roth)0.60%--$224
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Self-Help Credit Union18 Month IRA (Traditional,Roth,CESA)3 Reviews0.55%--$207
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Apple Federal Credit Union15 Month IRA Certificate (Traditional,Roth,CESA)17 Reviews0.55%$500-$172
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Mountain America Credit Union18 Month IRA (Traditional,Roth)7 Reviews0.50%$500-$188
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Franklin Federal Savings Bank18 Month IRA Certificate (Traditional,Roth)0.50%$500-$188
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Justice Federal Credit Union18 Month IRA Certificate w/ JNA Relationship (Traditional,Roth)4 Reviews0.50%$500-$188
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First Trade Union Bank18 Month Jump-Up IRA0.50%$500-$188
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Lake Michigan Credit Union18 Month VIP IRA CD35 Reviews0.50%$500-$188
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The Jacksonville Bank12 - 23 Month IRA (Traditional,Roth)1 Review0.50%$1k-$187
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Patelco Credit Union12 - 23 Month IRA (Traditional,Roth,CESA)5 Reviews0.45%$500-$168
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America's Credit Union 12-23 Month IRA Certificate Account (Traditional,Roth,CESA)0.45%$500$100k$168
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Easthampton Savings Bank18 Month IRA (Traditional,Roth)3 Reviews0.40%$500-$151
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Capital One 36018 Month IRA (Traditional,Roth)12 Reviews0.40%--$151
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Quorum Federal Credit Union18 Month IRA Term Savings (Traditional,Roth)0.40%$1k-$151
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Displaying 1-40 of 66 Results



18 Month IRA Rate Trend

18-Month IRA CD

IRA CD stands for Individual Retirement Account Certificate of Deposit. This product, offered by many financial institutions, provides a way for investors to earn a fixed rate of return over a fixed period of time. The IRA component gives the product some tax advantages (or liabilities, depending on how the account is utilized). The 18-Month IRA CD, or IRA Share Certificate, is a medium term CD that bears interest, on average, slightly above offered by savings and IRA savings accounts.

When an IRA CD matures, or reaches its 18-month ending date in this case, there is usually a grace period allowing you to decide your next step. Some financial institutions (especially banks and credit unions) will automatically renew the CD when at the end of the grace period, while others will liquidate the CD and deposit the money in another account for you. Your options during the grace period are to roll over the proceeds to another IRA CD, liquidate the account and deposit the funds into a different type of account, or cash out the proceeds. If you don’t roll the funds over into another IRA account (Traditional, Roth, etc.) before the grace period ends, then you will have to report the funds in the account as taxable income and pay any associated penalties. A Traditional IRA 18-Month CD and a Roth IRA 18-Month CD have different tax implications as far as how contributions and earnings are taxed.

Opening an account is straightforward and can be accomplished online at many financial institutions. For smaller banks and credit unions, a branch visit could be the only way to open an account. The financial institution can handle a rollover IRA, as well, if you wanted to transfer funds from a 401k.