18-Month CDs

Best 18-Month CD Rates

An 18-month CD fills the gap between one and two years. It’s the right choice when your goal is about a year and a half away, and it lets you lock a rate for longer without committing to two full years. The top widely available listing in our table pays 4.85% APY.

Display date Oct 29, 2026 · By the CompareCDRate editorial team · About our dates · How we verify rates

Term I can deposit Institution CD type Sort by

4 CD listings shown.

CD listings with APY, term, minimum deposit, early withdrawal terms and source date
Listing	APY	Term	Min. deposit	Early withdrawal	Display date ?	Actions
Brokered CD from an FDIC-insured bankListing #85LCG · details on inquiryBrokered · FDIC	up to 4.85%	18 months	$1,000	No bank penalty; can be sold on the secondary market, possibly for less than you paid	Oct 29, 2026 Brokerage's published rates	Inquire about this CD for listing 85LCG, 4.85% 18 monthsCompare listing 85LCG
Institution Shared with you directly after you inquire Availability Brokerage account required Note Highest yield the brokerage displayed for this term; inventory may include callable CDs. Insurance Issued by an FDIC-insured bank Rate source Brokerage's published rates Display date Oct 29, 2026 (today, U.S. Eastern Time — not a verification date)
Online bankListing #BB2TB · details on inquiryBank · FDIC	4.85%	18 months	$1,500	Confirm with institution	Oct 29, 2026 National rate survey	Inquire about this CD for listing BB2TB, 4.85% 18 monthsCompare listing BB2TB
Institution Shared with you directly after you inquire Availability Nationwide (online) Insurance Issued by an FDIC-insured bank Rate source National rate survey Display date Oct 29, 2026 (today, U.S. Eastern Time — not a verification date)
Online bankListing #6V2NC · details on inquiryBank · FDIC	4.51%	15 months	$1,000	Confirm with institution	Oct 29, 2026 National rate survey	Inquire about this CD for listing 6V2NC, 4.51% 15 monthsCompare listing 6V2NC
Institution Shared with you directly after you inquire Availability Nationwide (online) Insurance Issued by an FDIC-insured bank Rate source National rate survey Display date Oct 29, 2026 (today, U.S. Eastern Time — not a verification date)
Online bankListing #2C85Y · details on inquiryBank · FDIC	4.50%	15 months	No minimum	Confirm with institution	Oct 29, 2026 National rate survey	Inquire about this CD for listing 2C85Y, 4.50% 15 monthsCompare listing 2C85Y
Institution Shared with you directly after you inquire Availability Nationwide (online) Insurance Issued by an FDIC-insured bank Rate source National rate survey Display date Oct 29, 2026 (today, U.S. Eastern Time — not a verification date)

APY = annual percentage yield. Institution names are not published on this site; after you inquire, we share the details with you directly. The display date is today’s date in U.S. Eastern Time; it is not the date a rate was verified. We review listings regularly (last review: Oct 29, 2026) and keep a dated source record for every listing. Rates change often and may differ by region or deposit amount; confirm the current APY, minimum and early withdrawal terms with the institution before opening an account. "Up to" means the highest yield a brokerage displayed for that term. Rate methodology · How we make money · Important disclosures

Is a 18-month CD right for you?

Good fit if…

Your target date is 15 to 21 months away
You want to lock today’s rate past the next year
You’re adding a mid-point rung to a ladder

Watch out for…

Penalties are often around 6 months of interest
Some banks auto-renew 18-month CDs into a different term — read the maturity terms
Fewer banks offer it, so we include 14- to 20-month CDs

What $10,000 could earn

Put $10,000 in the top widely available listing at 4.85% APY for 18 months and you’d earn about $736.25. These estimates assume the APY applies for the full term and interest stays in the CD. Try your own numbers in the CD calculator.

How to choose a 18-month CD

Confirm the maturity date lines up with when you’ll need the money.
Check the minimum deposit and any membership requirement.
Read the early withdrawal penalty so you know the cost if plans change.
Keep within insurance limits — $250,000 per depositor, per institution, per ownership category.
Verify the live rate on the institution’s site before you apply.

18-Month CD FAQs

Who should consider an 18-month CD?

Savers with a specific goal roughly a year and a half away, or anyone who wants a fixed rate for longer than a year but not two.

How much does an 18-month CD earn?

At 4.50% APY, $10,000 earns about $683 over 18 months with interest left in the CD.

Are 15-month CDs included here?

Yes. Our 18-month group covers terms from 14 to 20 months, and each row shows the exact term.

Want help choosing a 18-month CD?

Tell us your term, deposit and timing. We’ll point you to CD options that fit, at no cost.

Compare CD options Free to use. Availability and eligibility vary by institution.