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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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108 Results

Nationwide Only
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First Internet Bank18 Month IRA (Traditional, Roth)14 Reviews
2.32%
$1k-$877
Capitol Federal Savings Bank18 Month Variable IRA (Traditional, Roth, CESA)5 Reviews
2.28%
$500-$862
McGraw Hill FCU18 Month Promo IRA (New Money) (Traditional, Roth, CESA)
2.25%
$1k$1m$851
EverBank1.5 Year Yield Pledge IRA (Traditional, Roth)67 Reviews
2.23%
$5k-$843
Community Choice CU (MI)19 Month IRA Certificate Special (Traditional, Roth, CESA)3 Reviews
2.20%
$500-$878
Synchrony Bank18 Month IRA CD (Traditional, Roth)276 Reviews
2.15%
$2k-$813
Alliant Credit Union18 - 23 Month Jumbo CESA42 Reviews
2.15%
$25k-$805
UNIFY Financial Credit Union18 Month Variable IRA (Traditional, Roth, CESA)10 Reviews
2.13%*
$1k-$805
Discover Bank18 Month IRA (Traditional, Roth)184 Reviews
2.05%
$2,500-$775
Ally BankIRA High Yield 18-Month CD (Traditional, Roth, SEP)642 Reviews
2.05%*
$25k-$775
Wells Fargo Bank19 Month IRA Special (Traditional, Roth, SEP)312 Reviews
2.00%
$2,500-$798
Service Credit Union18 Month IRA Certificate Special (Traditional, Roth, CESA)19 Reviews
2.00%
$1k-$756
Salem Five18 Month IRA Special (Traditional, CESA, Roth, SEP)9 Reviews
2.00%
$2k-$756
2.00%
$500-$713
Mutual of Omaha Bank15 Month IRA Special (Traditional, Roth, SEP)3 Reviews
2.00%
$1k-$628
Hope FCU18 Month IRA Certificate (Traditional, Roth)5 Reviews
1.97%
$500-$744
Evansville Teachers FCU18 Month IRA (Traditional, Roth, CESA)3 Reviews
1.95%
$1k-$737
Signature FCU18 Month IRA Certificate (Traditional, Roth, CESA)5 Reviews
1.95%
$500-$737
NASA FCU15 Months IRA Certificate Special (New Money) (Traditional, Roth)27 Reviews
1.95%
$5k-$612
North American Savings Bank15 Month IRA (Traditional, Roth, CESA)4 Reviews
1.92%
$1k-$602
Xceed Financial FCU19 Month IRA Special (Traditional, Roth, CESA)15 Reviews
1.90%
$500-$758
Bethpage FCU18 Month IRA (Traditional, Roth)7 Reviews
1.85%
$50-$699
Communitywide FCU18 Month IRA (Traditional, Roth)5 Reviews
1.80%
$2k-$680
5Star Bank18 Month IRA (Traditional, Roth)1 Review
1.75%
$1k-$661
Hanscom FCU18 Month IRA (Traditional, Roth)3 Reviews
1.75%
$500-$661
AgFed Credit Union18 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
1.75%
$1k-$661
American Heritage FCU18 Month IRA Certificate (Traditional, Roth, CESA)3 Reviews
1.75%
$1k-$661
Dime Community Bank18 Month IRA Promo (Traditional, Roth, CESA)43 Reviews
1.75%
$500-$661
Bay State Savings Bank18 Month IRA Special (Traditional, Roth, CESA, SEP, SIMPLE)2 Reviews
1.75%
$500-$661
FNCB Bank15 Month IRA Special (New Money Only) (Traditional, Roth, CESA, SEP)3 Reviews
1.75%
$500-$549
Market USA FCU18 Month IRA (Traditional, Roth, CESA)2 Reviews
1.71%
$500-$646
Pen Air FCU18 Month IRA (Traditional, Roth, SEP, CESA)11 Reviews
1.65%
$500-$623
Freedom Credit Union (PA)18 Month IRA CD (Traditional, CESA, Roth)3 Reviews
1.65%
$500-$623
People's Trust FCU18 Month IRA (Traditional, Roth, CESA, SEP)2 Reviews
1.63%*
$25k-$615
United States Senate FCU12-24 Month IRA (Traditional, Roth, SEP)4 Reviews
1.62%*
$20k$100k$606
Interior FCU20 Month Bump Up IRA Certificate (Traditional, Roth, CESA)
1.61%*
$500-$676
Northpointe Bank18 - 23 Month Fixed IRA21 Reviews
1.60%
$500-$598
Self-Help Credit Union18 Month IRA (Traditional, Roth)9 Reviews
1.56%
$500-$589
Self-Help FCU18 Month IRA (Traditional, Roth)2 Reviews
1.56%
$100-$589

Displaying 1-40 of 108 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.