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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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115 Results

Nationwide Only
Communitywide FCU18 Month IRA (Traditional, Roth)5 Reviews
2.65%
$2k-$1,003
Capitol Federal Savings Bank18 Month Variable IRA (Traditional, Roth, CESA)5 Reviews
2.53%
$500-$957
Greenwood Credit Union15 Month IRA Certificate (Traditional, Roth, CESA, SEP)10 Reviews
2.50%
$1k-$785
TIAA Bank1.5 Year Yield Pledge IRA (Traditional, Roth)7 Reviews
2.45%
$5k-$927
McGraw Hill FCU20 Month IRA Promo (New Money) (Traditional, Roth, CESA)
2.40%
$1k$100k$1,011
Synchrony Bank18 Month IRA CD (Traditional, Roth)287 Reviews
2.35%
$2k-$889
Ally BankIRA High Yield 18-Month CD (Traditional, Roth, SEP)662 Reviews
2.35%*
$25k-$889
Alliant Credit Union18 - 23 Month Jumbo CESA43 Reviews
2.35%
$25k-$881
Xceed Financial FCU15 Month IRA Special (Traditional, Roth, CESA)16 Reviews
2.35%
$500-$738
UNIFY Financial Credit Union18 Month Variable IRA (Traditional, Roth, CESA)10 Reviews
2.32%*
$1k-$877
Northpointe Bank19 Month IRA Special24 Reviews
2.30%
$500-$918
Sun East FCU20 Month IRA Special (Traditional, Roth)
2.25%
$500-$947
Discover Bank18 Month IRA (Traditional, Roth)200 Reviews
2.25%
$2,500-$851
Dime Community Bank18 Month IRA Promo (Traditional, Roth, CESA)46 Reviews
2.25%
$500-$851
RTN FCU18 Month IRA Special (Traditional, Roth, CESA, SEP)
2.25%*
$1k-$851
Mutual of Omaha Bank15 Month IRA Special (Traditional, Roth, SEP)3 Reviews
2.25%
$1k-$706
Third Federal Savings and Loan (OH)15 Month IRA Special (Traditional, Roth, SEP)3 Reviews
2.25%
$100-$706
Community Choice CU (MI)19 Month IRA Certificate Special (Traditional, Roth, CESA)3 Reviews
2.20%
$500-$878
Signature FCU18 Month IRA Certificate (Traditional, Roth, CESA)5 Reviews
2.15%
$500-$813
NASA FCU15 Months IRA Certificate Special (New Money) (Traditional, Roth)28 Reviews
2.15%
$5k-$675
ConnectOne Bank18 Month Personal IRA4 Reviews
2.02%
$500-$763
Wings Financial Credit Union18 Month Dividend Paid Quarterly IRA Special (New Money Only) (Traditional, Roth, CESA)34 Reviews
2.02%
$5k-$763
Primary Bank18 Month IRA Special
2.02%
$1k-$763
North American Savings Bank15 Month IRA (Traditional, Roth, CESA)4 Reviews
2.02%
$1k-$634
Bethpage FCU19 Month IRA (Traditional, Roth)8 Reviews
2.00%
$50-$798
Easthampton Savings Bank19 Month IRA Special (Traditional, Roth)5 Reviews
2.00%
$1k$250k$798
Wells Fargo Bank19 Month IRA Special (Traditional, Roth, SEP)317 Reviews
2.00%
$2,500-$798
BBVA Compass18 Month IRA - Online (Traditional, Roth, CESA)55 Reviews
2.00%
$500-$756
Salem Five18 Month IRA Special (Traditional, CESA, Roth, SEP)6 Reviews
2.00%
$2k-$756
Evansville Teachers FCU18 Month IRA (Traditional, Roth, CESA)3 Reviews
1.95%
$1k-$737
AgFed Credit Union18 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
1.95%
$1k-$737
Hanscom FCU18 Month IRA (Traditional, Roth)3 Reviews
1.90%
$500-$718
Superior Choice Credit Union18 Month IRA (Traditional, Roth)9 Reviews
1.90%*
$25k-$718
Interior FCU20 Month Bump Up IRA Certificate (Traditional, Roth, CESA)
1.87%*
$500-$786
Utah First FCU18 Month IRA (Traditional, Roth, CESA)2 Reviews
1.85%*
$500-$699
Technology Credit Union18 - 23 Month IRA (Traditional, Roth)9 Reviews
1.85%
$1k-$692
Hope FCU18 Month IRA Certificate (Traditional, Roth)5 Reviews
1.82%
$500-$687
Capital One18 Month 360 IRA (Traditional, Roth)384 Reviews
1.75%
--$661
5Star Bank18 Month IRA (Traditional, Roth)1 Review
1.75%
$1k-$661
Freedom Credit Union (PA)18 Month IRA CD (Traditional, CESA, Roth)3 Reviews
1.75%
$500-$661

Displaying 1-40 of 115 Results


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 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.