Best 18-Month CD Rates - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Top 18-month CD rates currently available include State Bank of NewburgState Bank of Newburg300 Congress Dr Hwy 33, Newburg, WI 53060A+5.0 ★Texas Ratio: 0.29%Real return: +2.04%APY minus CPI (February 2026) offering 18 mo Variable Rate IRA 18 mo Certificate of Deposit at 4.84% APY, and Pima Federal Credit UnionPima Federal Credit Union3730 N Stone Ave, tucson, AZ 85705 3204A+5.0 ★Texas Ratio: 2.55%Real return: +1.70%APY minus CPI (February 2026) offering 18 months at 4.50% APY, and Armstrong County Building and Loan AssociationArmstrong County Building and Loan Association935 5th Ave, Ford City, PA 16226A+5.0 ★Texas Ratio: 5.51%Real return: +1.70%APY minus CPI (February 2026) offering IRA SEP 18 Months at 4.50% APY, and North Star Community Credit UnionNorth Star Community Credit Union109 Central Ave N, Maddock, ND 58348A5.0 ★Texas Ratio: 11.00%Real return: +1.70%APY minus CPI (February 2026) offering Youth 18 Month at 4.50% APY. CD rates as of July 25, 2026 according to verified data from MonitorBankRates.
An 18-month CD bridges the gap between short-term flexibility and longer-term yields. It locks in a competitive rate for a year and a half — ideal for savers who want more than a 12-month commitment without tying up funds for two or more years. We display Safety Grades, Star Ratings, and Texas Ratios so you can choose institutions with confidence.
The APYs displayed reflect actual verified offers. Rates are subject to change at the institution’s discretion without notice. A substantial penalty may be imposed for early withdrawal. 18-Month CD Rates Last Updated and Verified: July 25, 2026
Compare the Best 18-Month CD Rates Nationwide
Interest Will Be Credited: Quarterly
Checking Relationship APY
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Must be under 18 to open. Allows add-ons & withdrawals (Min +/- $100 ) & a 1-time rate bump (must provide report card). MAXIMUM DEPOSIT OF $10,000.00, LIMIT ONE PER MEMBER
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Minimum opening deposit (purchased through Raymond James brokerage account): $2,000. Minimum opening deposit (not purchased through Raymond James brokerage account): $1,000.
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Rates subject to change
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NEW MONEY Certificate of Deposit Special!
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On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
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Basic MVP** Level Dividend Rate: 4.14% | Silver MVP** Level Dividend Rate: 4.14% | Gold MVP** Level Dividend Rate: 4.14%
Interest Rate: 4.14%
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Limited-time offer. Click for details.
Rates effective as of 06/15/2026. Expires on or before 08/16/2026.
Featured rate. Online Only.
As high as; Dividends paid monthly; Penalties apply for early withdrawals
This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24-month Treasury Bill rate in effect on the 10th day of the previous month plus 0.25% (25 basis points). At maturity, the certificate automatically renews.
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For a limited time, get a competitive rate with just $500 to open.
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Limited Time Special
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Dividends Compounded: Monthly; Dividends Credited: Monthly; Renewal: Automatic with 10-day grace period
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Balance: $100,000 and over
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Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted
Jumbo
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Variable Rate
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At maturity, the CD will be renewed into a 24-month CD.
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Fixed rate. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.
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3 | New Deposits Only
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max $10,000
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Non-Rewards+ Loyalty Program Dividend Rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
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Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
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Monthly
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APY (Annual Percentage Yield) based on balances of $2,000 or more. Rates effective 5/22/26
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Automatic Renewal to Regular Certificate
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Bump one time**
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EARLY WITHDRAWAL PENALTIES (Minimum $25): 365 Days Interest
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Compounding: Annually
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Balance $100,000.00 and Over
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Variable Rate
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EARLY WITHDRAWAL PENALTY ON CD'S 1 YEAR AND LESS IS 3 MONTHS OF INTEREST. EARLY WITHDRAWAL PENALTY ON CD'S GREATER THAN 1 YEAR IS 6 MONTHS OF INTEREST. THIS PENALTY MAY INVADE YOUR PRINCIPAL.
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APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
JUMBO $95,000+
Compounding Frequency: Semi-Annual; Early Withdrawal Penalty: 180 days interest
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Interest Period Compounded & Credited: Quarterly
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$200
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Variable Rate
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limited time!
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Limited time offer. New money only. Alero Financial membership required.
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Interest paid monthly; Interest paid quarterly
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Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.
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Renewal Accounts: Interest Rate 0.05 %, APY 0.05 %
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Earn 3.75% APY* on an 18-Month Bump Certificate Learn more about this special certificate offer Limited-time Offer
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Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Tracked Nationwide
About Our 18-Month CD Rate Database
MonitorBankRates tracks 2,332 18-month CD rates from 1,315 institutions across the United States. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: State Bank of Newburg offers an 18-month CD at 4.84% APY with a minimum deposit of $500. Use the rate table above to compare all current offers.
18-Month CD Rate Trend
Daily national average APY for 18-month CDs
Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.
National 18-month CD rates rose 0.007 points over the past 7 days to 2.661% APY, up from 2.654% 7 days ago.
18-Month CD Rate Forecast — Next 12 Months
Where are 18-month CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CD Calculators
Enter any deposit amount to see exactly how much interest you earn at the end of your 18-month term at today’s top APY.
CD Ladder with 18 Months RungAdd an 18-month rung between your 12 and 24-month CDs. See how this mid-range term fills gaps in your ladder to keep funds maturing every 6 months.
Early Withdrawal Penalty18-month CDs typically carry a 150–270 day interest penalty for early access. Calculate your actual net return if you need funds before maturity.
18-Month CD vs. High-Yield Savings18-month CD rates typically sit above savings APYs. Compare both to determine if locking in for a year and a half is worth the yield difference.
How to Find the Best 18-Month CD Rates
What to compare when shopping for an 18-month CD
To find the best APYs on an 18-month CD, start with credit unions and online-only banks — they consistently offer the highest yields because they have lower overhead than traditional brick-and-mortar banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn. A CD advertised at 4.75% interest compounding monthly is worth more than one at 4.80% compounding annually.
Also compare the early withdrawal penalty. On a 18-month CD, common penalties range from 30 to 90 days of interest. If you’re unsure whether you’ll need the funds early, a penalty-free no-penalty CD or a high-yield savings account may be a better fit.
When an 18-Month CD Makes Sense
- You have a planned purchase or expense in ~18 months and want to earn while you wait
- You expect interest rates to fall and want to lock in today’s rate short-term
- You want a mid-range commitment — the 18-month term earns more than a 1-year CD while maturing before a 2-year term
- You want FDIC/NCUA protection with a guaranteed fixed return
Consider an Alternative If…
- You may need funds before 3 months → High-yield savings
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing or debit access → Money market account
18-Month CD vs. Other Savings Options
| Feature | 18-Month CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked 18 months | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (30–90 days interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known near-term goal, CD ladder start | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
18-Month CD FAQs
What is an 18-Month Certificate of Deposit (CD)?
How do 18-month CD rates compare to 12-month CDs?
Is my money safe in an 18-month CD?
What happens if I withdraw money from an 18-month CD early?
What is APY and how does it differ from the interest rate?
Can I add money to an 18-month CD after opening it?
How can I use an 18-month CD in a CD ladder?
Is an 18-month CD better than a 12-month CD?
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate 18-month CD rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available 1.5-year CD yields across the country. We feature a comprehensive mix of financial institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
