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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Include credit unions with membership based on any industries that you or immediate family members currently or have previously worked in:

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Hanscom FCU19 Month CD Special4 Reviews
3.00%
$1k-$1,200
Andrews FCU17 Month Certificate Special40 Reviews
2.95%
$1k$250k$1,053
2.89%
$2.5k-$908
2.88%
$1k$500k$1,091
nbkc bank20 Month CD Special1 Review
2.85%
$10k-$1,202
Interior FCU20 Month Bump Up Share Certificate
2.83%
$500-$1,194
2.81%
$1k-$1,064
2.80%
$2.5k$250k$1,060
2.80%
$2.5k-$1,060
Rising Bank18 Month Rising CD9 Reviews
2.80%
$25k$500k$1,060
Pacific National Bank18 Month CD Online Promotional CD - New Money3 Reviews
2.80%
$1k$240k$1,060
2.78%
$10k-$1,053
2.76%
$500-$1,045
ConnectOne Bank17 Month Personal CD5 Reviews
2.76%
$500-$985
2.75%
$10k-$1,041
2.75%
$500-$1,041
U S Postal Service FCU18 Month e-Certificate Special5 Reviews
2.75%
$250-$1,041
2.75%
$10k-$981
1st Source Bank16 Month CD Special1 Review
2.75%
$500$1m$923
MainStreet Bank15 Month CD Special6 Reviews
2.75%
$10k$250k$864
NexBank18 Month CD1 Review
2.70%
$10k-$1,022
2.70%
$10k-$1,022
Citizens AccessOnline 18 Month CD20 Reviews
2.70%
$5k-$1,022
RiverLand FCU17 Month Certificate - Special1 Review
2.70%
$5k-$963
NASA FCU15 Month Share Certificate Special - New Money36 Reviews
2.70%
$10k-$848
Popular Direct18 Month Popular Direct CD76 Reviews
2.67%
$10k-$1,011
TIAA Bank1.5 Year Yield Pledge CD17 Reviews
2.65%
$5k$1m$1,003
Communitywide FCU18 Month Share Certificate4 Reviews
2.65%
$2k-$1,003
MutualOne BankOnline 19 Month CD3 Reviews
2.63%
$500$1m$1,051
Advancial18 Month Junior Jumbo Certificate9 Reviews
2.61%
$25k$50k$988
2.60%
$1k-$1,096
2.60%
$500-$984
2.60%
$10k-$984
Barclays18 Month Online CD217 Reviews
2.60%
--$984
My eBanc18 Month Online Time Deposit14 Reviews
2.60%
$5k-$984
Goldman Sachs Bank USAHigh-yield 18 Month CD150 Reviews
2.60%
$500$1m$984
State Department FCU17 Month Bump Up Certificate7 Reviews
2.57%
$500-$917
AgFed Credit Union18 Month Certificate4 Reviews
2.55%
$1k-$965

Displaying 1-40 of 152 Results


18-Month CD Rates

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.

18-Month CD Rate History – Average APY (%) Rate Trend over Time

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 APY (Annual Percentage Yield) 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.

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers 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 [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.