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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:

109 Results

Nationwide Only
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Grow Financial FCU15 Month IRA Grow Certificate Account Special - New Money (Traditional, Roth)15 Reviews
3.25%*
$500$1m$1,021
NASA FCU15 Month IRA Certificate Special - New Money (Traditional, Roth)35 Reviews
3.20%
$10k-$1,006
Hyperion Bank19 Month IRA - New Money (Traditional, Roth)
3.10%
$500-$1,241
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
2.90%
$1k-$1,098
Partner Colorado Credit Union18 Month IRA Special (Traditional, Roth, CESA, SEP)2 Reviews
2.90%
$500-$1,098
Advancial18 Month Junior Jumbo IRA (Traditional, Roth, CESA)7 Reviews
2.87%
$25k$50k$1,087
AgFed Credit Union18 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
2.85%
$1k-$1,079
Veridian Credit Union18 Month Bump-Up IRA Special (Traditional, Roth, CESA)21 Reviews
2.85%
$1k-$1,079
American Heritage FCU18 Month IRA Certificate (Traditional, Roth, CESA)3 Reviews
2.80%
$1k-$1,060
Langley FCU17 Month IRA Special1 Review
2.78%
$500-$992
ConnectOne Bank17 Month Personal IRA5 Reviews
2.76%
$500-$985
Communitywide FCU18 Month IRA (Traditional, Roth)4 Reviews
2.75%
$2k-$1,041
Synchrony Bank18 Month IRA CD (Traditional, Roth)299 Reviews
2.75%
$2k-$1,041
Georgia Banking Company18 Month IRA Certificate (Traditional, Roth)3 Reviews
2.75%
$500-$1,041
Country Bank for Savings18 Month IRA Special (New Money) (Traditional, Roth, CESA)1 Review
2.75%
$10k-$1,041
Credit Union Of New Jersey17 Month IRA Special (Traditional, Roth, CESA)5 Reviews
2.75%
$500$100k$981
Capital One18 Month 360 IRA (Traditional, Roth)397 Reviews
2.70%
--$1,022
Sun East FCU18 Month IRA (Traditional, Roth)6 Reviews
2.70%
$500-$1,022
Ally BankIRA High Yield 18-Month CD (Traditional, Roth, SEP)683 Reviews
2.70%*
$25k-$1,022
Alliant Credit Union12 - 17 Month Jumbo Roth IRA46 Reviews
2.70%
$25k-$963
Quorum FCU18 Month IRA Term Savings (Traditional, Roth)8 Reviews
2.65%
$1k-$1,003
Interior FCU20 Month Bump Up IRA Certificate (Traditional, Roth, CESA)
2.63%*
$500-$1,109
Chartway FCU18-23 Month IRA (Traditional, Roth)27 Reviews
2.60%
$500-$975
Wells Fargo Bank19 Month IRA Special (Traditional, Roth, SEP)321 Reviews
2.55%
$2.5k-$1,019
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
Evansville Teachers FCU18 Month IRA (Traditional, Roth, CESA)3 Reviews
2.50%
$1k-$946
Lake Michigan Credit Union18 Month IRA CD Special (Traditional, Roth, CESA, SEP)63 Reviews
2.50%
$500-$946
SunTrust Bank18 Month IRA Special84 Reviews
2.50%
$2k$1m$946
Salem Five18 Month IRA Special (Traditional, CESA, Roth, SEP)9 Reviews
2.50%
$2k-$946
PNC Bank17 Month Fixed Term IRA Special (Traditional, Roth, CESA, SEP, SIMPLE)99 Reviews
2.49%*
$25k-$888
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
Velocity Credit Union18 Month IRA Certificate Promotion5 Reviews
2.40%
$1k-$908
RTN FCU18 Month IRA Special (Traditional, Roth, SEP)
2.40%
$1k-$908
Home Savings Bank18 Month Internet Only IRA (Traditional, Roth)
2.35%
$5k$250k$889
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

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.