Eighteen-month Certificates of Deposit (CD) rates from online banks are often well above average if you are willing to open and manage your account using the Internet. Most online banks offer an online application and money can be transferred to fund the CD via an electronic transfer, check, wire, or credit card. To view rates for other CD terms, click the tabs above.
Highest Eighteen-Month Online CD Rates - July 30, 2025
18 Month CD National Average: 0.58% ?
| BANK | APY? | MIN? | |
|---|---|---|---|
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4.30%
4.10% |
$50,000
$5,000 |
Learn More |
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Rate History: 5.10% → 4.60% → 4.40% → 4.35% → 4.30% |
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norich@aol.com | Mar 19, 2024 I have 5 other cd's at competing banks and have not had trouble. I tried 3 times today to open one w/ bradesco and it repeatedly declines my app after I input the code they sent me. Customer service was no... Read More |
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4.20% | $500 | Learn More |
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Early Withdrawal Penalty is 90 days interest. |
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JBaker65 | May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. |
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4.20% | $25,000 | Learn More |
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Warning: Early Withdrawal Penalty is 2% of the account balance. |
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Frank M | Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. |
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4.20% | $50,000 | Learn More |
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Early Withdrawal Penalty is 8 months interest. |
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Geoffrey Christopher 1 | Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More |
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4.15% | $500 | Learn More |
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Available in all states except MA/RI. |
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BW | Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More |
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4.15% | $500 | Learn More |
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AEM | Sep 18, 2023 I agree with another user, this bank is very poorly put together, and may very well be an operation in large part used to extract and sell people's personal information. I called customer service and had ... Read More |
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4.10% | $1,000 | Learn More |
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Rate History: 4.25% → 4.30% → 4.35% → 4.25% → 4.10% |
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kenbeckyreese@icloud.com | Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. |
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4.10% | $5,000 |
Learn More
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Early Withdrawal Penalty is 12 months interest. |
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4.10% | $10,000 | Learn More |
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Early Withdrawal Penalty is 270 days interest. |
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Neil | Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More |
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4.05% | $500 | Learn More |
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Early Withdrawal Penalty is 90 days interest. |
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Richard | Jul 1, 2022 Very easy opening process and wonderful staff. |
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4.05% | $1,000 | Learn More |
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Early Withdrawal Penalty is 180 days interest. |
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Yat 1965 | Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner |
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4.05% | $5,000 | Learn More |
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Early Withdrawal Penalty is 6 months Interest. |
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jp2 | Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More |
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4.05% | $5,000 | Learn More |
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One-time bump CD. Early Withdrawal Penalty is 180 days interest. |
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Az1 | Aug 26, 2022 Too slow to raise rates. Read More |
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4.00% | $500 | Learn More |
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Rate History: 4.10% → 4.00% → 3.90% → 4.10% → 4.00% |
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A Terkowitz | Feb 15, 2024 best bank on the list but no longer the most competitive Read More |
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4.00% | $500 | Learn More |
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Early Withdrawal penalty is 180 days interest. |
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richardw9 | Jan 30, 2025 I found CFG Bank while searching for high APYs and went with them since they consistently offers some of the best rates in the country. I’ve had a great experience with my personal money market account. ... Read More |
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4.00% | $500 |
Learn More
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Rate History: 1.00% → 4.00% |
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4.00% | $1,000 | Learn More |
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Early Withdrawal Penalty is 180 days interest. |
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Rob H. | Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... |
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4.00% | $1,000 | Learn More |
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Early Withdrawal Penalty is 90 days interest. |
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bws/esc | Apr 27, 2023 have had 3 cd accounts. all interactions with instructions for disposition of funds were never exactly enacted as discussed and requests for confirmatory emails never sent with details as terms discussed. ... Read More |
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4.00% | $1,000 | Learn More |
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Early Withdrawal Penalty is 180 days interest. |
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smithy1968 | Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More |
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3.90% | $1,000 | Learn More |
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Early Withdrawal Penalty is 180 days. |
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Beenthere | Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. |
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3.87% | $10,000 | Learn More |
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Warning: Early withdrawal penalty is 2% of principal |
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D R Lineberger | Dec 30, 2018 Garden14 Read More |
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3.85% | $0 | Learn More |
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Rate History: 3.25% → 3.35% → 3.85% |
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Dev1ldog | Nov 8, 2023 I see nothing exciting about AmEx Bank. Sign on is a hassle and the rates are adequate. Multiple accounts are not summarized. To cancel maturing CDs require phoning in or snail mail. Above average serv... Read More |
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Restrictions |
3.85%
3.80% |
$100,000
$20,000 |
Learn More |
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Rate History: 4.45% → 4.15% → 3.85% |
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Amanda Frank | Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... |
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3.80% | $0 | Learn More |
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Rate History: 5.25% → 4.50% → 4.25% → 4.10% → 3.80% |
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mcriss | Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More |
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3.80% | $500 | Learn More |
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Rate History: 4.00% → 3.95% → 4.00% → 3.95% → 3.80% |
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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3.80% | $1,500 | Learn More |
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m abram | Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More |
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3.80% | $2,500 | Learn More |
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Rate History: 4.50% → 4.40% → 3.80% → 4.00% → 3.80% |
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AVOID_ READ_CAREFULLY | Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More |
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3.80% | $2,500 | Learn More |
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Earty Withdrawal Penalty is 180 days interest. |
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HAL1975 | Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. |
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3.76% | $1,000 | Learn More |
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Rate History: 5.17% → 5.26% → 4.90% → 4.47% → 3.76% |
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ytr0171 | Jul 23, 2023 easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More |
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3.70% | $0 | Learn More |
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Rate History: 4.25% → 4.10% → 3.90% → 3.80% → 3.70% |
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Rad | Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More |
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3.70% | $0 | Learn More |
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Early Withdrawal Penalty is 6 months interest. |
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highstream | Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More |
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3.70% | $500 | Learn More |
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JohnC | Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... |
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3.60% | $1,000 | Learn More |
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Rate History: 4.30% → 4.00% → 3.75% → 3.70% → 3.60% |
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smithy1968 | Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More |
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3.50% | $500 | Learn More |
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Warning: Early Withdrawal Penalty is 12 months of interest |
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Mike Brown | Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More |
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3.50% | $2,500 | Learn More |
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Early Withdrawal Penalty is 180 days interest. |
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overdrawn | Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... |
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3.50%
2.95% |
$10,000
$500 |
Learn More |
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Warning: Early withdrawal penalty is 4% of principal withdrawn. |
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LarryMass | Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More |
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3.25% | $500 |
Learn More
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Early Withdrawal Penalty is 9 months interest. |
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Restrictions |
3.25% | $1,000 | Learn More |
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Rate History: 4.30% → 4.00% → 3.70% → 3.60% → 3.25% |
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Rob | Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... |
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3.03% | $1,000 | Learn More |
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• $1,000 minimum deposit to open an account.
• A penalty may be imposed for early withdrawal.
• Account fees may reduce your earnings. |
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nonsense | May 21, 2021 avoid this Read More |
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3.00% | $0 | Learn More |
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Early Withdrawal Penalty is 90 days interest. |
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LenaL | May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... |
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Restrictions |
3.00% | $500 |
Learn More
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Rate History: 4.25% → 4.00% → 3.75% → 3.50% → 3.00% |
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3.00% | $1,000 | Learn More |
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MrBond | Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More |
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3.00% | $1,000 | Learn More |
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Early Withdrawal Penalty is all interest earned. |
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Jeffinnh | Mar 30, 2021 These guys are the best local bank. Very responsive. |
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2.75% | $1,000 | Learn More |
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Rate History: 3.50% → 3.00% → 2.75% |
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J Dally | Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More |
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2.65% | $1,000 | Learn More |
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Frank | Apr 8, 2019 Their online interface is circa 2004. They limit the number of accounts you can set up for ACH. And they sit on ACH transfers.... for days. Not sure if the good rates are worth it. Read More |
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2.36% | $1,000 | Learn More |
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Rate History: 0.85% → 1.25% → 2.60% → 2.36% |
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Gripp13 | Jan 27, 2023 The worst bank I have ever had Read More |
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Restrictions |
2.18% | $500 | Learn More |
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Rate History: 4.76% → 4.24% → 3.98% → 3.52% → 2.18% |
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member | Dec 14, 2022 Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... |
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1.75% | $1,000 |
Learn More
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1.65% | $1,000 | Learn More |
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Rate History: 4.45% → 2.80% → 1.65% |
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RYAN S | Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More |
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Restrictions |
0.80% | $500 |
Learn More
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Rate History: 0.45% → 0.80% → 0.70% → 0.80% |
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0.30% | $500 |
Learn More
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Rate History: 0.30% → 1.26% → 0.30% |
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0.25% | $10,000 | Learn More |
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UtahJazz1 | Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More |
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0.15% | $500 | Learn More |
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Afeica | Aug 7, 2020 Had a car loan with them. Paid it off because I was selling the vehicle. They told me it would take 10 business days to clear the transaction (it was immediate via electronic) and was out of my account th... Read More |
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0.12% | $500 | Learn More |
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Rate History: 1.00% → 0.12% |
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me joe | Apr 25, 2022 broke the machine, braddah |
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0.02% | $500 |
Learn More
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Eighteen-month CDs are offered by many online banks. They are a medium-term CD product that often provide a slightly higher yield than a 12-month CD in return for the extra six months of commitment to keep the money on deposit at the issuing bank. All eighteen-month CDs offered by online banks on BestCashCow are FDIC insured.
Opening an eighteen-month CD online is an easy process. Applications generally take between 10-15 minutes to complete. Funding the CD can usually be done electronically by making a ACH transfer from a checking or savings account to the bank opening the CD. The CD rate is usually locked once the application has been received and approved. Funds transfers can take between 1-5 days depending on the process used by the opening bank.
In some cases, branch-based banks and credit unions will offer higher rates on 18-month CDs than online banks. You should check the rates available in your area using the tabs above.
Jumbo CDs refer to those CDs with minimum deposits of $100,000. While some banks still reserve their best CD rates for those customers opening jumbo products with deposits of $100,000 or more, the table above indicates that many online banks now offer their highest yielding CD rates to those depositing much less.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
