Featured 1-Year CD Rates
Featured Accounts

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.

OR
Deposit Amount
Advanced options

Include credit unions with membership based on any industries that you or immediate family members currently or have previously worked in:

105 Results

Nationwide Only
Community Choice CU (MI)19 Month IRA Certificate Special (Traditional, Roth, CESA)3 Reviews
2.20%
$500-$878
MutualOne Bank19 Month IRA (Traditional, Roth)1 Review
2.12%
$500-$846
EverBank1.5 Year Yield Pledge IRA (Traditional, Roth)60 Reviews
2.12%
$5k-$801
First Internet Bank18 Month IRA (Traditional, Roth)14 Reviews
2.12%
$1k-$801
Ally BankIRA High Yield 18-Month CD (Traditional, Roth, SEP)609 Reviews
2.05%*
$25k-$775
Capitol Federal Savings Bank18 Month Variable IRA (Traditional, Roth, CESA)5 Reviews
2.02%
$500-$763
Mountain America Credit Union18 Month IRA (Traditional, Roth)21 Reviews
2.00%
$500-$756
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
NASA FCU15 Months IRA Certificate Special (New Money) (Traditional, Roth)23 Reviews
1.95%
$5k-$612
Alliant Credit Union18 - 23 Month Jumbo CESA41 Reviews
1.90%
$25k-$711
UNIFY Financial Credit Union18 Month Variable IRA (Traditional, Roth, CESA)10 Reviews
1.87%*
$1k-$706
Evansville Teachers FCU18 Month IRA (Traditional, Roth, CESA)3 Reviews
1.85%
$1k-$699
Discover Bank18 Month IRA (Traditional, Roth)172 Reviews
1.80%
$2,500-$680
Communitywide FCU18 Months IRA (Traditional, Roth)5 Reviews
1.80%
$2k-$680
Dime Community Bank18 Month IRA Promo (Traditional, Roth, CESA)42 Reviews
1.75%
$500-$661
Bay State Savings Bank18 Month IRA Special (Traditional, Roth, CESA, SEP, SIMPLE)2 Reviews
1.75%
$500-$661
Partner Colorado Credit Union18 Month IRA Special (New Money) (Traditional, Roth, CESA, SEP)2 Reviews
1.75%
$500-$661
Hope FCU18 Month IRA Certificate (Traditional, Roth)5 Reviews
1.71%
$500-$646
Synchrony Bank18 Month IRA CD (Traditional, Roth)250 Reviews
1.70%
$2k-$642
Michigan State University FCU18 Month IRA (Traditional, Roth, CESA, SEP)7 Reviews
1.65%
$500$100k$623
Interior FCU20 Month Bump Up IRA Certificate (Traditional, Roth, CESA)
1.61%*
$500-$676
Signature FCU18 Month IRA Certificate (Traditional, Roth, CESA)5 Reviews
1.60%
$500-$604
Northpointe Bank18 - 23 Month Fixed IRA21 Reviews
1.60%
$500-$598
GTE Financial18 Month IRA Certificate (Traditional, CESA, Roth, SEP)23 Reviews
1.56%
$500-$589
North American Savings Bank15 Month IRA (Traditional, Roth, CESA)4 Reviews
1.56%
$1k-$489
Credit Union of America19 Month IRA Certificate Special (Traditional, Roth, CESA)2 Reviews
1.55%
$500-$617
AgFed Credit Union18 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
1.55%
$1k-$585
American Heritage FCU18 Month IRA Certificate (Traditional, Roth, CESA)2 Reviews
1.55%
$1k-$585
Wings Financial Credit Union15 Month Dividend Paid Quarterly IRA Certificate Special. (Traditional, Roth, CESA)33 Reviews
1.55%*
$10k-$486
United States Senate FCU12-24 Month IRA (Traditional, Roth, SEP)4 Reviews
1.52%*
$20k$100k$568
Garden Savings FCU18 Month IRA Share Certificate (Traditional, Roth, CESA)
1.51%
$500-$570
Third Federal Savings and Loan (OH)17 Month IRA Special (Traditional, Roth, SEP)3 Reviews
1.50%
$100-$534
Apple FCU15 Month IRA (Traditional, Roth, CESA)22 Reviews
1.50%
$500-$470
Signal Financial FCU18 Month IRA Share Certificate (Traditional, Roth)
1.42%
$2k-$536
Freedom Credit Union (PA)18 Month IRA CD (Traditional, CESA, Roth)2 Reviews
1.40%
$500-$528
Grow Financial FCU18 - 23 Month IRA Certificate14 Reviews
1.40%*
$500-$523
Chartway FCU18-23 Month IRA (Traditional, Roth, CESA)25 Reviews
1.36%*
$25k-$508
Bethpage FCU18 Month IRA (Traditional, Roth)6 Reviews
1.35%
$50-$509
Campus Federal18 Month IRA (Traditional, Roth)4 Reviews
1.35%
$1k-$509

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.