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

111 Results

Nationwide Only
2.78%
--$1,053
Communitywide FCU18 Month IRA (Traditional, Roth)4 Reviews
2.75%
$2k-$1,041
Synchrony Bank18 Month IRA CD (Traditional, Roth)295 Reviews
2.75%
$2k-$1,041
Georgia Banking Company18 Month IRA Certificate (Traditional, Roth)
2.75%
$500-$1,041
2.75%
--$1,041
Service Credit Union15 Month IRA Certificate Special (Traditional, Roth, CESA)19 Reviews
2.75%
$1k-$864
Consumers Credit Union (IL)15 Month IRA Special (Traditional, Roth, CESA, SEP)84 Reviews
2.75%
$250-$864
NASA FCU15 Months IRA Certificate Special (New Money) (Traditional, Roth)34 Reviews
2.75%
$5k-$864
TIAA Bank1.5 Year Yield Pledge IRA (Traditional, Roth)11 Reviews
2.71%
$5k-$1,026
Mountain America Credit Union18 Month IRA (Traditional, Roth)24 Reviews
2.65%
$500-$1,003
Quorum FCU18 Month IRA Term Savings (Traditional, Roth)8 Reviews
2.65%
$1k-$1,003
Achieva Credit Union18 Month IRA/457B (Traditional, Roth, CESA)17 Reviews
2.65%
$500-$1,003
Lake Michigan Credit Union18 Month VIP IRA CD Special63 Reviews
2.65%
$500-$1,003
2.65%
$1k$25k$945
UNIFY Financial Credit Union18 Month Variable IRA (Traditional, Roth, CESA)10 Reviews
2.63%*
$1k-$995
Discover Bank18 Month IRA (Traditional, Roth)204 Reviews
2.55%
$2.5k-$965
Ally BankIRA High Yield 18-Month CD (Traditional, Roth, SEP)671 Reviews
2.55%*
$25k-$965
Garden Savings FCU18 Month IRA Share Certificate (Traditional, Roth, CESA)
2.53%
$500-$957
GTE Financial18 Month Add-on Promotional IRA Certificate (Traditional, Roth, CESA, SEP)27 Reviews
2.53%*
$500-$957
TruStone Financial Credit Union20 Month IRA Special (New Money) (Traditional, Roth)7 Reviews
2.50%
$2.5k-$1,053
Capital One18 Month 360 IRA (Traditional, Roth)390 Reviews
2.50%
--$946
American Heritage FCU15 Month IRA Certificate (Traditional, Roth, CESA)3 Reviews
2.50%
$1k-$785
Greenwood Credit Union15 Month IRA Certificate (Traditional, Roth, CESA, SEP)10 Reviews
2.50%
$1k-$785
Market USA FCU18 Month Preferred IRA (Traditional, Roth, CESA)2 Reviews
2.46%
$500-$931
Bethpage FCU19 Month IRA (Traditional, Roth)8 Reviews
2.45%
$50-$979
AgFed Credit Union18 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
2.40%
$1k-$908
RTN FCU18 Month IRA Special (Traditional, Roth, SEP)
2.36%
$1k-$893
Wells Fargo Bank19 Month IRA Special (Traditional, Roth, SEP)319 Reviews
2.35%
$2.5k-$938
Signature FCU18 Month IRA Certificate (Traditional, Roth, CESA)5 Reviews
2.35%
$500-$889
Technology Credit Union18 - 23 Month IRA (Traditional, Roth)9 Reviews
2.35%
$1k-$881
Northpointe Bank19 Month IRA Special30 Reviews
2.30%
$500-$918
Evansville Teachers FCU18 Month IRA (Traditional, Roth, CESA)3 Reviews
2.30%
$1k-$870
Salem Five18 Month IRA Special (Traditional, CESA, Roth, SEP)8 Reviews
2.30%
$2k-$870
Country Bank for Savings18 Month IRA Special (New Money) (Traditional, Roth, CESA)1 Review
2.30%
$10k-$870
North American Savings Bank15 Month IRA (Traditional, Roth, CESA)5 Reviews
2.28%
$1k-$716
MTC FCU19 Month IRA Plus Special (Traditional, Roth)
2.27%
$10k-$906
Utah First FCU18 Month IRA (Traditional, Roth, CESA)2 Reviews
2.25%
$500-$851
Xceed Financial FCU18 Month IRA (Traditional, Roth, CESA)16 Reviews
2.25%
$500-$851
Chartway FCU12-17 Month IRA (Traditional, Roth)27 Reviews
2.25%*
$500-$802
Mutual of Omaha Bank15 Month IRA Special (Traditional, Roth, SEP)3 Reviews
2.25%
$1k-$706

Displaying 1-40 of 111 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.