Browsing the web for the Best 18-Month CD Rates to invest your funds in? Well, you’re in the right spot. Below is our guide to help you find the Best 18-Month CD Rates. CDs, short for Certificate of deposits, will offer you one of the top & secure return on your money when you invest it with your bank/credit union of choice. The best route to take if you want to foresee the best return is with online banks.
Editor’s Note: Need to see a more full, extensive list of available CD rates before deciding? See our post on the Best National CD Rates or the Best Regional CD Rates.
Looking for a certain term? See below for our list of the best CD rates in the following terms:
- Best 6 or 9-Month CD Rates
- Best 1-Year CD Rates
- Best 2-Year CD Rates
- Best 3-Year CD Rates
- Best 4-Year CD Rates
- Best 5-Year CD Rates
| Best CD Accounts | ||||
|---|---|---|---|---|
| Account | Minimum | APY | ||
 | CIT Bank 11-Month No-Penalty CD Account | $1,000 | 2.05% | |
 | Synchrony Bank 15-Month CD Account | $2,000 | 2.85% | |
 | Discover Bank 12-Month CD Account | $2,500 | 2.65% | |
 | BBVA Compass Bank 36-Month CD Account | $500 | 2.25% |
Best 18-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| Navy Federal Credit Union | 3.25% | $50 | $50K | 17-Month CD | Review |
| Veridian Credit Union | 3.05% | $100K | --- | 18-Month Jumbo CD | Review |
| USALLIANCE Financial Federal Credit Union | 3.00% | $500 | --- | 18-Month CD | Review |
| Service Credit Union | 3.00% | $1K | --- | 18-Month CD | Review |
| CD Bank | 3.00% | $10K | --- | 18-Month CD | Review |
| Hanscom Federal Credit Union | 3.00% | $1K | --- | 19-Month CD | Review |
| Andrews Federal Credit Union | 2.95% | $1K | --- | 17-Month CD | Review |
| Limelight Bank | 2.95% | $1K | --- | 18-Month CD | Review |
| First Internet Bank | 2.88% | $1K | --- | 18-Month CD | Review |
| Veridian Credit Union | 2.85% | $1K | --- | 18-Month CD | Review |
| Live Oak Bank | 2.85% | $2.5K | $250K | 18-Month CD | Review |
| Rising Bank | 2.85% | $1K | $500K | 18-Month CD | Review |
| Advancial | 2.84% | $50K | --- | 18-Month Jumbo CD | Review |
| Citizens Access | 2.70% | $5K | --- | 18-Month CD | Review |
Best 18-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Royal Credit Union | MN, WI | 3.04% | --- | --- | 18-Month CD | Review |
| 1st Nor Cal Credit Union | CA | 3.04% | --- | --- | 20-Month CD | Review |
| Bank of Franklin County | MO | 3.04% | $50K | --- | 20-Month CD | Review |
| Members First Credit Union | MI | 3.01% | $1,000 | --- | 15-Month CD | Review |
| Community 1st Credit Union | IA, MO | 3.00% | $1,000 | --- | 18-Month CD | Review |
| FORUM Credit Union | IN | 3.00% | $500 | --- | 18-Month CD | Review |
| Wasatch Peaks Credit Union | UT | 3.00% | $500 | --- | 18-Month CD | Review |
| Homeland Credit Union | OH | 3.00% | $75K | --- | 18-Month CD | Review |
| Elmira Savings Bank | NY | 3.00% | $500 | --- | 19-Month CD | Review |
| Kellogg Community Credit Union | MI | 3.00% | $500 | --- | 19-Month CD | Review |
| Cornerstone Financial Credit Union | TN | 3.00% | $500 | --- | 19-Month CD | Review |
| Verity Credit Union | WA | 3.00% | $1k | --- | 19-Month CD | Review |
| CFBank | OH | 2.95% | $500 | --- | 15-Month CD | Review |
| Cross River Bank | NJ | 2.95% | $500 | --- | 18-Month CD | Review |
