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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Interior FCU20 Month Bump Up IRA Certificate (Traditional, Roth, CESA)
2.83%
$500-$1,194
First Internet Bank18 Month IRA (Traditional, Roth)18 Reviews
2.81%
$1k-$1,064
Market USA FCU18 Month Preferred IRA (Traditional, Roth, CESA)2 Reviews
2.76%
$500-$1,045
ConnectOne Bank17 Month Personal IRA5 Reviews
2.76%
$500-$985
Georgia Banking Company18 Month IRA Certificate (Traditional, Roth)9 Reviews
2.75%
$500-$1,041
NASA FCU15 Month IRA Certificate Special - New Money (Traditional, Roth)36 Reviews
2.70%
$10k-$848
TIAA Bank1.5 Year Yield Pledge IRA (Traditional, Roth)17 Reviews
2.65%
$5k-$1,003
Alliant Credit Union18 - 23 Month Jumbo Roth IRA46 Reviews
2.65%
$25k-$994
Advancial18 Month Junior Jumbo IRA (Traditional, Roth, CESA)9 Reviews
2.61%
$25k$50k$988
Sun East FCU18 Month IRA (Traditional, Roth)6 Reviews
2.60%
$500-$984
Synchrony Bank18 Month IRA CD (Traditional, Roth)312 Reviews
2.60%
$2k-$984
UNIFY Financial Credit Union18 Month Variable IRA (Traditional, Roth, CESA)11 Reviews
2.60%*
$1k-$984
AgFed Credit Union18 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
2.55%
$1k-$965
Ally BankIRA High Yield 18-Month CD (Traditional, Roth, SEP)691 Reviews
2.55%*
$25k-$965
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)404 Reviews
2.50%
--$946
Home Savings Bank18 Month Internet Only IRA (Traditional, Roth)
2.50%
$5k$250k$946
First Financial CU (IL)18 Month IRA Certificate (Traditional, Roth)1 Review
2.50%
$1k-$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
Bethpage FCU19 Month IRA (Traditional, Roth)8 Reviews
2.45%
$50-$979
2.45%
$500-$927
Communitywide FCU18 Month IRA (Traditional, Roth)4 Reviews
2.45%
$2k-$927
Evansville Teachers FCU18 Month IRA (Traditional, Roth, CESA)3 Reviews
2.45%
$1k-$927
Service Credit Union18 Month IRA Certificate (Traditional, Roth, CESA)19 Reviews
2.45%
$1k-$927
Wells Fargo Bank19 Month IRA Special (Traditional, Roth, SEP)323 Reviews
2.40%
$2.5k-$958
RTN FCU18 Month IRA Special (Traditional, Roth, SEP)
2.40%
$1k-$908
American Heritage FCU15 Month IRA Certificate (Traditional, Roth, CESA)3 Reviews
2.40%
$1k-$753
North American Savings Bank15 Month IRA (Traditional, Roth, CESA)7 Reviews
2.38%
$1k-$747
Greenwood Credit Union18 Month IRA Certificate (Traditional, Roth, CESA, SEP)16 Reviews
2.35%
$1k-$889
Signature FCU18 Month IRA Certificate (Traditional, Roth, CESA)6 Reviews
2.35%
$500-$889
Technology Credit Union18 - 23 Month IRA (Traditional, Roth)9 Reviews
2.35%
$1k-$881
Chartway FCU18-23 Month IRA (Traditional, Roth)28 Reviews
2.35%
$500-$881
United States Senate FCU12-23 Month IRA (Traditional, Roth, SEP)9 Reviews
2.33%*
$20k-$873
Affinity FCU18 Month IRA Certificate (Traditional, Roth, CESA)9 Reviews
2.30%
$500-$870
GTE Financial18 Month Add-on IRA Special (Traditional, Roth, CESA, SEP)33 Reviews
2.27%
$500-$858
SunTrust Bank18 Month IRA Special94 Reviews
2.27%
$2k$1m$858
Premier America Credit Union18 Month IRA (Traditional, Roth)12 Reviews
2.25%*
$25k-$851

Displaying 1-40 of 109 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.