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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:

174 Results

Nationwide Only
Grow Financial FCU15 Month Grow Certificate Account Special - New Money15 Reviews
3.25%*
$500$1m$1,021
NASA FCU15 Month Share Certificate Special - New Money35 Reviews
3.20%
$10k-$1,006
Hyperion Bank19 Month CD - New Money
3.10%
$500-$1,241
Hanscom FCU19 Month CD Special3 Reviews
3.00%
$1k-$1,200
CD Bank18 Month CD
3.00%
$10k-$1,137
Service Credit Union18 Month Share Certificate19 Reviews
3.00%
$1k-$1,137
2.95%
$1k$500k$1,117
Flagstar Bank19 Month CD Special - New Money63 Reviews
2.90%
$500$10m$1,160
2.90%*
$1.5k-$1,098
2.90%
$1k-$1,098
2.90%
$2.5k$250k$1,098
Citizens AccessOnline 18 Month CD15 Reviews
2.90%
$5k-$1,098
2.90%
$500-$1,098
2.89%
$2.5k-$908
Advancial18 Month Junior Jumbo Certificate7 Reviews
2.87%
$25k$50k$1,087
Rising Bank18 Month Rising CD2 Reviews
2.85%
$25k$500k$1,079
AgFed Credit Union18 Month Share Certificate4 Reviews
2.85%
$1k-$1,079
Veridian Credit Union18 Month Bump-Up CD Special 21 Reviews
2.85%
$1k-$1,079
M.Y. Safra Bank18 Month Online Promo CD 5 Reviews
2.85%
$1k-$1,079
TIAA Bank1.5 Year Yield Pledge CD16 Reviews
2.84%
$5k$1m$1,076
2.81%
$10k-$1,064
2.80%
$10k-$1,060
American Heritage FCU18 Month Share Certificate3 Reviews
2.80%
$1k-$1,060
Pacific National Bank18 Month CD Online Promotional CD - New Money3 Reviews
2.80%
$1k$240k$1,060
Popular Direct18 Month Popular Direct CD71 Reviews
2.78%
$10k-$1,053
Langley FCU17 Month CD Special1 Review
2.78%
$1k-$992
ConnectOne Bank17 Month Personal CD5 Reviews
2.76%
$500-$985
2.75%
$2k-$1,041
2.75%
$500-$1,041
PenFed Credit Union18 Month Money Market Certificate147 Reviews
2.75%
$1k-$1,041
Barclays18 Month Online CD216 Reviews
2.75%
--$1,041
My eBanc18 Month Online Time Deposit13 Reviews
2.75%
$5k-$1,041
Communitywide FCU18 Month Share Certificate4 Reviews
2.75%
$2k-$1,041
Country Bank for Savings18 Month CD Special (New Money)1 Review
2.75%
$10k-$1,041
U S Postal Service FCU18 Month e-Certificate Special5 Reviews
2.75%
$250-$1,041
2.75%
$10k-$981
2.75%
$500$100k$981
SCE FCU17 Month CD Special - New Money1 Review
2.75%
$10k-$981
Capital One18 Month 360 CD397 Reviews
2.70%
--$1,022
BankUnitedDirect18 Month CD
2.70%
$1k$250k$1,022

Displaying 1-40 of 174 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.