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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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Deposit Amount
$1 $100,000
CU options

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

96 Results

Nationwide Only
EverBank1.5 Year Yield Pledge IRA (Traditional, Roth)27 Reviews
1.67%
$5k-$631
First Internet Bank of IN18 Month IRA (Traditional, Roth, CESA)9 Reviews
1.66%
$1k-$627
Northpointe Bank18 - 23 Month Fixed IRA11 Reviews
1.60%
$500-$598
NASA FCU15 Months IRA Certificate Special (Traditional, Roth)21 Reviews
1.60%
$5k-$502
GTE Financial18 Month IRA Certificate (Traditional, CESA, Roth, SEP)13 Reviews
1.56%
$500-$589
Synchrony Bank15 Month IRA Special176 Reviews
1.55%*
$2k-$486
Mountain America Credit Union18 Month IRA (Traditional, Roth)17 Reviews
1.50%
$500-$566
Salem Five18 Month IRA Special (Traditional, CESA, Roth, SEP)7 Reviews
1.50%
$2k-$566
MutualOne Bank19 Month IRA (Traditional, Roth)1 Review
1.46%
$500-$581
Hope FCU18-Month IRA Certificate (Traditional, Roth)5 Reviews
1.46%
$500-$551
Evansville Teachers FCU18 Month IRA (Traditional, Roth, CESA)1 Review
1.45%
$1k-$547
1.45%
$2k-$547
Discover Bank18 Month IRA (Traditional, Roth)121 Reviews
1.40%
$2,500-$528
AgFed Credit Union18 Month IRA Certificate (Traditional, Roth, CESA)
1.40%
$1k-$528
Alliant Credit Union18 - 23 Month Jumbo CESA36 Reviews
1.40%
$25k-$523
Matadors Community Credit Union15 Month IRA (Traditional, Roth)1 Review
1.40%*
$1k-$439
Kinecta FCU15 Month Promotional IRA (Traditional, Roth)3 Reviews
1.40%*
$1k-$439
Velocity Credit Union18 Month IRA Certificate Promotion (Traditional, Roth)3 Reviews
1.36%
$1k-$513
Chartway FCU18-23 Month IRA (Traditional, Roth, CESA)22 Reviews
1.36%*
$25k-$508
Ally BankIRA High Yield 18-Month CD (Traditional, Roth, SEP)501 Reviews
1.35%*
$25k-$509
Self-Help FCU18 Month IRA
1.31%
$100-$494
Self-Help Credit Union18 Months IRA (Traditional, Roth)7 Reviews
1.31%
$500-$494
Home Savings Bank18 Month Internet Only IRA
1.30%
$5k$250k$490
UNIFY Financial Credit Union18 Month Variable IRA (Traditional, Roth)7 Reviews
1.28%*
$1k-$483
First Financial CU (IL)18 Month IRA Certificate (Traditional, Roth)
1.25%*
$5k-$472
SunTrust Bank18 Month Banker Special Promotional IRA (Traditional, Roth, SEP, SIMPLE)63 Reviews
1.25%
$2k-$472
Grow Financial FCU18 - 23 Month IRA Certificate13 Reviews
1.25%
$500-$467
Third Federal Savings and Loan (OH)17 Month IRA Special (Traditional, Roth, SEP)2 Reviews
1.20%
$100-$427
United States Senate FCU12-24 Month IRA (Traditional, Roth, SEP)3 Reviews
1.12%*
$20k$100k$418
Amalgamated Bank18 Month IRA Promotional2 Reviews
1.11%
$500-$419
Bethpage FCU18 Month IRA (Traditional, Roth)6 Reviews
1.10%
$50-$415
1.10%
$1k-$415
Utah First FCU18 Month IRA (Traditional, Roth, CESA)
1.10%
$500-$415
Michigan State University FCU13-23 Month IRA (Traditional, Roth, CESA, SEP)6 Reviews
1.10%
$500-$411
5Star Bank18 Month IRA (Traditional, Roth)1 Review
1.05%
$1k-$396
Hanscom FCU18 Month IRA (Traditional, Roth)3 Reviews
1.05%
$500-$396
People's Trust FCU18 Month IRA (Traditional, Roth, CESA, SEP)1 Review
1.05%*
$25k-$396
Xceed Financial FCU18 Month IRA (Traditional, Roth, CESA)15 Reviews
1.05%
$500-$396
Broadway Federal Bank18 Month Small Saver IRA3 Reviews
1.01%
--$381
Langley FCU18 Month IRA (Traditional, Roth)
1.00%
$500-$377

Displaying 1-40 of 96 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.