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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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105 Results

Nationwide Only
Community Choice CU (MI)19 Month IRA Certificate Special (Traditional, Roth, CESA)3 Reviews
MutualOne Bank19 Month IRA (Traditional, Roth)1 Review
EverBank1.5 Year Yield Pledge IRA (Traditional, Roth)60 Reviews
First Internet Bank18 Month IRA (Traditional, Roth)14 Reviews
Ally BankIRA High Yield 18-Month CD (Traditional, Roth, SEP)609 Reviews
Capitol Federal Savings Bank18 Month Variable IRA (Traditional, Roth, CESA)5 Reviews
Mountain America Credit Union18 Month IRA (Traditional, Roth)21 Reviews
Service Credit Union18 Month IRA Certificate Special (Traditional, Roth, CESA)19 Reviews
Salem Five18 Month IRA Special (Traditional, CESA, Roth, SEP)9 Reviews
NASA FCU15 Months IRA Certificate Special (New Money) (Traditional, Roth)23 Reviews
Alliant Credit Union18 - 23 Month Jumbo CESA41 Reviews
UNIFY Financial Credit Union18 Month Variable IRA (Traditional, Roth, CESA)10 Reviews
Evansville Teachers FCU18 Month IRA (Traditional, Roth, CESA)3 Reviews
Discover Bank18 Month IRA (Traditional, Roth)172 Reviews
Communitywide FCU18 Months IRA (Traditional, Roth)5 Reviews
Dime Community Bank18 Month IRA Promo (Traditional, Roth, CESA)42 Reviews
Bay State Savings Bank18 Month IRA Special (Traditional, Roth, CESA, SEP, SIMPLE)2 Reviews
Partner Colorado Credit Union18 Month IRA Special (New Money) (Traditional, Roth, CESA, SEP)2 Reviews
Hope FCU18 Month IRA Certificate (Traditional, Roth)5 Reviews
Synchrony Bank18 Month IRA CD (Traditional, Roth)250 Reviews
Michigan State University FCU18 Month IRA (Traditional, Roth, CESA, SEP)7 Reviews
Interior FCU20 Month Bump Up IRA Certificate (Traditional, Roth, CESA)
Signature FCU18 Month IRA Certificate (Traditional, Roth, CESA)5 Reviews
Northpointe Bank18 - 23 Month Fixed IRA21 Reviews
GTE Financial18 Month IRA Certificate (Traditional, CESA, Roth, SEP)23 Reviews
North American Savings Bank15 Month IRA (Traditional, Roth, CESA)4 Reviews
Credit Union of America19 Month IRA Certificate Special (Traditional, Roth, CESA)2 Reviews
AgFed Credit Union18 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
American Heritage FCU18 Month IRA Certificate (Traditional, Roth, CESA)2 Reviews
Wings Financial Credit Union15 Month Dividend Paid Quarterly IRA Certificate Special. (Traditional, Roth, CESA)33 Reviews
United States Senate FCU12-24 Month IRA (Traditional, Roth, SEP)4 Reviews
Garden Savings FCU18 Month IRA Share Certificate (Traditional, Roth, CESA)
Third Federal Savings and Loan (OH)17 Month IRA Special (Traditional, Roth, SEP)3 Reviews
Apple FCU15 Month IRA (Traditional, Roth, CESA)22 Reviews
Signal Financial FCU18 Month IRA Share Certificate (Traditional, Roth)
Freedom Credit Union (PA)18 Month IRA CD (Traditional, CESA, Roth)2 Reviews
Grow Financial FCU18 - 23 Month IRA Certificate14 Reviews
Chartway FCU18-23 Month IRA (Traditional, Roth, CESA)25 Reviews
Bethpage FCU18 Month IRA (Traditional, Roth)6 Reviews
Campus Federal18 Month IRA (Traditional, Roth)4 Reviews

Displaying 1-40 of 105 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 rates and promotions displayed are gathered from various financial institutions and may not reflect all of the products 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 data or to request rates or promotions be included in this chart. We are not affiliated with the financial institutions listed here.

* The APY 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.