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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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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NASA FCU15 Month IRA Certificate Special - New Money (Traditional, Roth)38 Reviews
2.50%
$10k-$785
Market USA FCU18 Month Preferred IRA (Traditional, Roth, CESA)2 Reviews
2.36%
$500-$893
TruStone Financial Credit Union20 Month IRA Special (New Money) (Traditional, Roth)8 Reviews
2.25%
$2.5k-$947
Sun East FCU19 Month IRA Special6 Reviews
2.25%
$500-$898
Communitywide FCU18 Month IRA (Traditional, Roth)4 Reviews
2.25%
$1k-$851
Service Credit Union18 Month IRA Certificate (Traditional, Roth, CESA)20 Reviews
2.25%
$1k-$851
Elements Financial16 Month IRA Special (Traditional, Roth, CESA)4 Reviews
2.25%
$1k-$755
Evansville Teachers FCU18 Month IRA (Traditional, Roth, CESA)4 Reviews
2.21%
$1k-$836
Pen Air FCU18 Month IRA (Traditional, Roth, SEP, CESA)13 Reviews
2.20%
$500-$832
Chartway FCU18-23 Month IRA (Traditional, Roth)27 Reviews
2.20%
--$824
2.20%
$500-$784
Technology Credit Union18 - 23 Month IRA (Traditional, Roth)9 Reviews
2.15%
$1k-$805
TIAA Bank1.5 Year Yield Pledge IRA (Traditional, Roth)22 Reviews
2.10%
$5k-$794
Greenwood Credit Union18 Month IRA Certificate (Traditional, Roth, CESA, SEP)16 Reviews
2.10%
$1k-$794
Advancial18 Month Junior Jumbo IRA (Traditional, Roth, CESA)9 Reviews
2.10%
$25k$50k$794
RTN FCU18 Month IRA Special (Traditional, Roth, SEP)
2.10%
$1k-$794
2.10%
$250-$704
Matadors Community Credit Union18 Month IRA (Traditional, Roth)1 Review
2.05%
$10k-$775
Synchrony Bank18 Month IRA CD (Traditional, Roth)319 Reviews
2.05%
$2k-$775
Ally BankIRA High Yield 18 Month CD (Traditional, Roth, SEP)709 Reviews
2.05%*
$25k-$775
Interior FCU20 Month Bump Up IRA Certificate (Traditional, Roth, CESA)2 Reviews
2.02%
$500-$850
Primary Bank18 Month IRA
2.02%
--$763
Self-Help Credit Union18 Month IRA (Traditional, Roth)9 Reviews
2.02%
$500-$763
Self-Help FCU18 Month IRA (Traditional, Roth)2 Reviews
2.02%
$100-$763
Garden Savings FCU18 Month IRA Share Certificate (Traditional, Roth, CESA)3 Reviews
2.02%
$500-$763
MTC FCU18 Month Share Plus IRA (Traditional, Roth)
2.02%
$10k-$763
Digital FCU (DCU)15 Month Jump-Up IRA (Traditional, Roth, CESA, SEP, SIMPLE)40 Reviews
2.02%
$500-$634
Golden 1 Credit Union20 Month IRA Certificate Special (Traditional, Roth, CESA)30 Reviews
2.00%*
$10k-$841
Bethpage FCU19 Month IRA (Traditional, Roth)9 Reviews
1.95%
$50-$778
Alliant Credit Union18 - 23 Month Jumbo Roth IRA50 Reviews
1.95%
$25k-$730
Capital One18 Month 360 IRA (Traditional, Roth)416 Reviews
1.90%
--$718
1.90%
$500-$718
TBK Bank18 Month IRA (Traditional, Roth, CESA)5 Reviews
1.90%
$10k-$718
American Heritage FCU18 Month IRA Certificate (Traditional, Roth, CESA)3 Reviews
1.90%
$1k-$718
Salem Five18 Month IRA Special (Traditional, CESA, Roth, SEP)9 Reviews
1.90%
$2k-$718
North American Savings Bank15 Month IRA (Traditional, Roth, CESA)8 Reviews
1.87%
$1k-$587
MECU18 Month IRA (Traditional, Roth)3 Reviews
1.85%
$500-$699
Pennsylvania State Employees Credit Union18 Month IRA (Traditional, Roth, CESA)26 Reviews
1.85%
$500-$699
ABCO FCU18 Month IRA (Traditional, Roth, CESA)7 Reviews
1.85%
$1k-$699

Displaying 1-40 of 117 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 [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.