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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:
141
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Results

South Jersey Federal Credit Union18 Month IRA Special (Traditional,Roth,CESA)2 Reviews1.26%$1k-$475
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Xceed Financial Credit Union19 Month IRA (Traditional,CESA,Roth)9 Reviews1.25%$500-$498
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Triumph Savings Bank, SSB18 Month IRA (Traditional,Roth)1.25%$1k-$472
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NASA Federal Credit Union15 Month IRA Certificate (Traditional,CESA,Roth,SEP)2 Reviews1.25%$5k-$392
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McGraw Hill Credit Union15 Months Promo IRA (Traditional,Roth,CESA)1.25%$10k-$392
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The Berkshire Bank18 Month IRA6 Reviews1.20%$1k$500k$453
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Susquehanna Bank18 Month Fixed Rate IRA Special (Traditional,Roth,CESA)12 Reviews1.20%$2,500-$453
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Capital Educators Federal Credit Union18 Month Promotional IRA Certificate (Traditional,Roth,CESA,SEP)1.16%$500-$437
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Oritani BankLoyalty 18 Month IRA (Traditional,CESA,Roth)1.15%$1k-$434
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Discover Bank18 Month IRA (Traditional,Roth)30 Reviews1.05%$2,500-$396
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First Choice Bank (NJ)18 Month IRA (Traditional,Roth,SEP)1 Review1.05%$1k-$396
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Synchrony Bank18 Month IRA CD (Traditional,Roth)14 Reviews1.05%$25k-$396
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Ally BankIRA High Yield 18-Month CD (Traditional,Roth,SEP)131 Reviews1.04%--$392
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Ocean City Home Bank15 Month Variable Rate IRA (Traditional,Roth,SEP,SIMPLE)1 Review1.01%--$317
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Hudson City Savings Bank18 Month IRA (Traditional,Roth,SEP,CESA,SIMPLE)13 Reviews1.00%$500-$377
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Crest Savings Bank18 Month IRA (Traditional,Roth)1.00%$500-$377
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Grand Bank, N.A.18 Month IRA (Traditional,Roth)1.00%$1k-$377
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Geauga Savings Bank18 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)1 Review1.00%--$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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Haven Savings Bank18 Month Variable IRA1.00%$250-$377
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Salem Five18 Month IRA Special (Traditional,CESA,Roth,SEP)3 Reviews1.00%$2k-$377
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Freedom Bank (NJ)12-17 Month IRA (Traditional,Roth,SEP)1.00%$500-$374
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Alliant Credit Union18 - 23 Month Roth IRA13 Reviews1.00%$1k-$374
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Chartway Federal Credit Union18-23 Month IRA (Traditional,Roth,CESA)9 Reviews1.00%$10k-$374
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Bogota Savings Bank17 Month Tiered IRA1.00%$25k$500k$356
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Glen Rock Savings Bank15 Month IRA1.00%$500-$313
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First Internet Bank of IN18 Month IRA (Traditional,Roth,CESA)1 Review0.95%--$358
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Self Reliance (NJ) Credit Union18 Month IRA Certificate (Traditional,Roth,CESA)0.95%--$358
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Royal Bank America18 Month IRA0.90%$1k-$339
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Pen Air Credit Union18 Month IRA (Traditional,Roth,SEP,CESA)2 Reviews0.90%$500-$339
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TrustCo Bank18 Month IRA (Traditional,Roth,CESA,SEP,SIMPLE)14 Reviews0.90%--$339
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BBCN Bank18 Month IRA CD1 Review0.90%$1k-$339
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Community Bank of Bergen County, N. J.1 1/2 Year IRA (Traditional,Roth,CESA)0.85%$500-$320
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First Bank (NJ)18 Month IRA0.85%$500-$320
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RSI BANK18 Month IRA0.85%$250-$320
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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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Intervest National Bank18 Month IRA CD (Traditional,Roth,CESA)3 Reviews0.84%$1k-$317
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GSL Savings Bank18 Month Variable IRA0.81%$500-$305
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Displaying 1-40 of 141 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.