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

169 Results

Nationwide Only
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MutualOne BankOnline 19 Month CD3 Reviews
3.04%
$500-$1,216
Main Street Bank (MI)18 Month Companion CD10 Reviews
3.00%
$25k$250k$1,137
3.00%*
$1k-$1,008
2.90%*
$10k$1m$1,088
Veridian Credit Union18 Month Bump-Up CD Special 20 Reviews
2.85%
$1k-$1,079
2.83%
$1k-$1,072
Popular Direct18 Month Popular Direct CD
2.80%
$10k-$1,060
2.78%
$1k-$1,053
2.75%
$1k-$1,160
Georgia Banking Company18 Month Certificate
2.75%
$500-$1,041
Vio Bank18 Month High Yield Online CD
2.75%
$500-$1,041
Communitywide FCU18 Month Share Certificate4 Reviews
2.75%
$2k-$1,041
Limelight Bank18-Month CD
2.75%
$1k$500k$1,041
2.75%
--$1,041
Kinecta FCU18 Month Promo Share Certificate6 Reviews
2.75%
$1k-$1,041
2.75%
$250-$864
Service Credit Union15 Month Share Certificate Special19 Reviews
2.75%
$1k-$864
NASA FCU15 Months Share Certificate Special (New Money)34 Reviews
2.75%
$5k-$864
TIAA Bank1.5 Year Yield Pledge CD11 Reviews
2.71%
$5k-$1,026
BankUnitedDirect18 Month CD
2.70%
$1k$250k$1,022
CD Bank18 Month CD
2.70%
$10k-$1,022
2.70%
$2.5k$250k$1,022
2.70%
$2.5k-$1,022
PurePoint Financial18 Month Online CD
2.70%
$10k-$1,022
M.Y. Safra Bank18 Month Online Promo CD 3 Reviews
2.70%
$1k-$1,022
2.70%
$25k-$1,022
PenFed Credit Union18 Month Money Market Certificate142 Reviews
2.65%
$1k-$1,003
2.65%
$500-$1,003
Quorum FCU18 Month Term Savings CD8 Reviews
2.65%
$1k-$1,003
Pacific National Bank18 Month CD Online Promotional CD (New Money Only)2 Reviews
2.65%
$1k$240k$1,003
2.65%
$500-$1,003
Alliant Credit Union12 - 17 Month Jumbo Share CD45 Reviews
2.65%
$25k-$945
Citizens AccessOnline 18 Month CD
2.60%
$5k-$984
The Federal Savings Bank18 Month Promotional CD2 Reviews
2.60%
$10k-$984
Dime Community Bank16 Month CD Promo - New Money Only46 Reviews
2.60%
$500$500k$873
Banesco USA18 Month CD
2.55%*
$1.5k-$965
2.55%
$2.5k-$965

Displaying 1-40 of 169 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 feedback@depositaccounts.com 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.