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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. Click here to learn more about 18-month IRA CDs and how they can be a beneficial tool in your retirement strategy.

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Deposit Amount
$1 $100,000

95 Results


Nationwide Only
1.60%
$250-$536
Service Credit Union20 Month IRA Certificate Special (Traditional, Roth, CESA)13 Reviews
1.50%
$1k-$630
Credit Union Of New Jersey20 Month IRA Special (Traditional, Roth, CESA)1 Review
1.50%
$500$25k$630
EverBank1.5 Year Yield Pledge IRA (Traditional, Roth)20 Reviews
1.40%
$1,500-$528
Lake Michigan Credit Union18 Month VIP IRA CD Special54 Reviews
1.40%
$500-$528
Capital One 36018 Month IRA (Traditional, Roth)191 Reviews
1.35%
--$509
Ally BankIRA High Yield 18-Month CD (Traditional, Roth, SEP)329 Reviews
1.35%*
$25k-$509
NASA FCU15 Months IRA Certificate Special (Traditional, Roth)19 Reviews
1.35%
$5k-$423
Self-Help FCU18 Month IRA
1.31%
$100-$494
1.31%
$500-$494
1.30%
--$490
Synchrony Bank18 Month IRA CD (Traditional, Roth)120 Reviews
1.25%*
$2k-$472
Alliant Credit Union18 - 23 Month Jumbo Roth IRA37 Reviews
1.25%
$25k-$467
GTE Financial18 Month IRA Certificate - Member Advantage (Traditional, CESA, Roth, SEP)12 Reviews
1.21%
$500-$456
Discover Bank18 Month IRA (Traditional, Roth)90 Reviews
1.20%
$2,500-$453
Navy FCU18 Month IRA (Traditional, Roth, SEP)108 Reviews
1.20%*
$20k-$453
Xceed Financial FCU17 Month IRA Promo (Traditional, Roth, CESA)14 Reviews
1.17%
$500-$416
Evansville Teachers FCU18 Month IRA (Traditional, Roth, CESA)1 Review
1.16%
--$437
Pinnacle FCU18 Month IRA (Traditional, Roth, CESA)4 Reviews
1.16%
$500-$437
Northpointe Bank18 - 23 Month Fixed IRA7 Reviews
1.15%
$5k-$430
State Farm Bank15 Month CESA Special27 Reviews
1.15%*
--$360
1.10%
$2k-$415
Salem Five18 Month IRA Special (Traditional, CESA, Roth, SEP)7 Reviews
1.10%
$2k-$415
Chartway FCU18-23 Month IRA (Traditional, Roth, CESA)20 Reviews
1.10%*
$25k-$411
5Star Bank18 Month IRA (Traditional, Roth)2 Reviews
1.00%
$1k-$377
1.00%*
$1k-$377
Mountain America Credit Union18 Month IRA (Traditional, Roth)13 Reviews
1.00%
$500-$377
Northern Bank & Trust Company18 Month IRA (Traditional, Roth, CESA, SEP)
1.00%
$500-$377
OneWest Bank N.A. (Pasadena, CA)18 Month IRA (Traditional, Roth, SEP)18 Reviews
1.00%
$1k-$377
Mid-Illini Credit Union18 Month IRA Certificate (Traditional, Roth, CESA)2 Reviews
1.00%
$500-$377
Amalgamated Bank18 Month IRA Promotional2 Reviews
1.00%
$500-$377
Campus Federal18 Month IRA (Traditional, Roth)1 Review
0.95%
$1k-$358
Hanscom FCU18 Month IRA (Traditional, Roth)2 Reviews
0.95%
$500-$358
Pen Air FCU18 Month IRA (Traditional, Roth, SEP, CESA)6 Reviews
0.90%
$500-$339
Garden Savings FCU18 Month IRA Share Certificate (Traditional, Roth, CESA)
0.90%
$500-$339
United States Senate FCU12-24 Month IRA (Traditional, Roth, SEP)2 Reviews
0.90%*
$20k$100k$336
People's Trust FCU18 Months IRA (Traditional, Roth, CESA, SEP)1 Review
0.85%*
$25k-$320
UNIFY Financial Credit Union18 Month Variable IRA (Traditional, Roth)3 Reviews
0.81%*
$1k-$305
Kinecta FCU18 Month IRA (Traditional, Roth)3 Reviews
0.80%
$1k$100k$301
0.80%
--$301

Displaying 1-40 of 95 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.




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.