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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. Click here to read more about features and tips related to 18-month CDs.

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$1 $100,000
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149 Results

Nationwide Only
Navy FCU17 Month CD Special115 Reviews
Service Credit Union20 Month Share Certificate Special16 Reviews
PenFed Credit Union15 Month Money Market Certificate44 Reviews
EverBank1.5 Year Yield Pledge CD21 Reviews
Popular Direct18 Month Popular Direct CD13 Reviews
Capital One18 Month 360 CD209 Reviews
Banesco USA18 Month CD
NexBank18 Month CD1 Review
NASA FCU15 Months Share Certificate Special20 Reviews
My e-BAnC by BAC Florida BankBAC Internet Time Deposit 18 Months12 Reviews
Self-Help FCU18 Month CD
Pacific National Bank18 Month CD (Online Specials Only)1 Review
The Federal Savings Bank18 Month Promotional CD1 Review
Community Choice CU (MI)15 Month Special CD - New money only2 Reviews
Barclays18 Month Online CD111 Reviews
Salem Five18 Month CD Special7 Reviews
Alliant Credit Union18 - 23 Month Jumbo Share CD36 Reviews
Bellco CU (CO)17 Months Promotional Regular CD3 Reviews
Incredible BankIncredible 19 Month CD24 Reviews
State Farm Bank15 Month CD Special28 Reviews
Tampa Bay FCU18 Month Market Watch CD4 Reviews
Goldwater Bank18 Month CD - AZ Only1 Review
Northpointe Bank18 - 23 Month Fixed CD8 Reviews
Mid-Illini Credit Union18 Month Share Certificate2 Reviews

Displaying 1-40 of 149 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.

The rates and promotions displayed are gathered from various financial institutions and may not reflect all of the products available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact feedback@depositaccounts.com to report inaccurate data or to request rates or promotions be included in this chart. We are not affiliated with the financial institutions listed here.

* The APY shown is based on the deposit amount selected. Expand the listing to see APYs for other deposit amounts.
† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.