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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Service Credit Union18 Month IRA Certificate (Traditional, Roth, CESA)19 Reviews
3.00%
$1k-$1,137
First Internet Bank18 Month IRA (Traditional, Roth)18 Reviews
2.88%
$1k-$1,091
Dime Community Bank17 Month IRA CD (Traditional, Roth)47 Reviews
2.80%
$500-$999
American Heritage FCU15 Month IRA Certificate (Traditional, Roth, CESA)3 Reviews
2.80%
$1k-$880
TIAA Bank1.5 Year Yield Pledge IRA (Traditional, Roth)17 Reviews
2.77%
$5k-$1,049
ConnectOne Bank17 Month Personal IRA5 Reviews
2.76%
$500-$985
Synchrony Bank18 Month IRA CD (Traditional, Roth)306 Reviews
2.75%
$2k-$1,041
Georgia Banking Company18 Month IRA Certificate (Traditional, Roth)5 Reviews
2.75%
$500-$1,041
First National Bank of America12-23 Month IRA Time CD (Traditional, Roth)16 Reviews
2.75%
$1k-$1,032
SCE FCU17 Month IRA Special - New Money (Traditional, Roth)1 Review
2.75%
$5k-$981
Advancial18 Month Junior Jumbo IRA (Traditional, Roth, CESA)8 Reviews
2.73%
$25k$50k$1,034
UNIFY Financial Credit Union18 Month Variable IRA (Traditional, Roth, CESA)11 Reviews
2.73%*
$1k-$1,034
Flagstar Bank19 Month IRA Special - New Money (Traditional, Roth, CESA)64 Reviews
2.70%
$500$10m$1,079
Capital One18 Month 360 IRA (Traditional, Roth)400 Reviews
2.70%
--$1,022
Sun East FCU18 Month IRA (Traditional, Roth)6 Reviews
2.70%
$500-$1,022
Alliant Credit Union12 - 17 Month Jumbo Roth IRA46 Reviews
2.70%
$25k-$963
Communitywide FCU18 Month IRA (Traditional, Roth)4 Reviews
2.65%
$2k-$1,003
Mountain America Credit Union18 Month IRA (Traditional, Roth)28 Reviews
2.65%
$500-$1,003
Quorum FCU18 Month IRA Term Savings (Traditional, Roth)9 Reviews
2.65%
$1k-$1,003
Veridian Credit Union18 Month Bump-Up IRA Special (Traditional, Roth, CESA)21 Reviews
2.65%
$1k-$1,003
NASA FCU15 Month IRA Certificate Special - New Money (Traditional, Roth)36 Reviews
2.65%
$10k-$832
Interior FCU20 Month Bump Up IRA Certificate (Traditional, Roth, CESA)
2.63%*
$500-$1,109
Ally BankIRA High Yield 18-Month CD (Traditional, Roth, SEP)688 Reviews
2.60%*
$25k-$984
Chartway FCU18-23 Month IRA (Traditional, Roth)28 Reviews
2.60%
$500-$975
Evansville Teachers FCU18 Month IRA (Traditional, Roth, CESA)3 Reviews
2.55%
$1k-$965
Golden 1 Credit Union15 Month IRA Special (Traditional, Roth, CESA)30 Reviews
2.55%*
$500-$801
TruStone Financial Credit Union20 Month IRA Special (New Money) (Traditional, Roth)7 Reviews
2.50%
$2.5k-$1,053
Home Savings Bank18 Month Internet Only IRA (Traditional, Roth)
2.50%
$5k$250k$946
Andigo18 Month IRA4 Reviews
2.50%
$1k-$946
SunTrust Bank18 Month IRA Special91 Reviews
2.50%
$2k$1m$946
Salem Five18 Month IRA Special (Traditional, CESA, Roth, SEP)9 Reviews
2.50%
$2k-$946
Primary Bank15 Month IRA
2.50%
$10k-$785
Wings Financial Credit Union18 Month Dividend Paid Quarterly IRA Special - New Money (Traditional, Roth, CESA)35 Reviews
2.47%
$5k-$935
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
Wells Fargo Bank19 Month IRA Special (Traditional, Roth, SEP)321 Reviews
2.40%
$2.5k-$958
Lake Michigan Credit Union18 Month IRA CD Special (Traditional, Roth, CESA, SEP)63 Reviews
2.40%
$500-$908
RTN FCU18 Month IRA Special (Traditional, Roth, SEP)
2.40%
$1k-$908
North American Savings Bank15 Month IRA (Traditional, Roth, CESA)7 Reviews
2.38%
$1k-$747

Displaying 1-40 of 114 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.