Alabama

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Arab, Alabama CD Rates – 18-Month

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Below are eighteen-month Certificates of Deposit (CD) rates from banks in Arab, Alabama . Eighteen Month CDs offer a bit more yield than 1 year CDs but require a longer time-commitment. Like any CD, you should consider the trade-off between the difference in yield and the required time commitment. If an 18 month CD pays significantly above the yield of a 12-month CD, it may be worth opening.

Arab, AL - December 14, 2025

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

Earty Withdrawal Penalty is 180 days interest.
Rate History: 4.50% → 4.35% → 3.85% → 3.80% → 3.95%

| 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. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.05% → 4.00% → 3.80% → 3.80% → 3.90%

| Jun 26, 2020

Rate not current Read More

Early Withdrawal Penalty is 6 months interest.
Rate History: 3.70% → 3.80% → 3.80% → 3.70% → 3.75%

| Mar 15, 2023

Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More

Rate History: 3.95% → 4.00% → 3.95% → 3.80% → 3.70%

| Sep 4, 2025

And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More

Early Withdrawal Penalty is 270 days interest.
Rate History: 3.95% → 3.90% → 3.80% → 3.70% → 3.45%

| 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

Rate History: 3.00% → 2.85% → 2.75%

| Jun 2, 2022

I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More

Rate History: 3.50% → 2.00% → 1.50% → 1.51%

| Feb 6, 2023

after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More

| Mar 16, 2023

The branch manager is unavailable and doesnt care what goes on as long as he is not bothered. The tellers are rude and referr to customers who ask for help as " special needs customers". Read More

0.75%

$10,000

15.44

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0.65%

$10,000

1.14

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0.60%

$10,000

18.78

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0.60%

$1,000

23.24

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0.55%

$10,000

10.12

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0.50%

$10,000

19.41

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| Nov 4, 2020

Transfer cds to checking. Trustmark Madison ok, Not, 6 figures deposit lost for 6 days they say due to scanner error. Then when we go to branch office mgr. all huffy tht error upset because of their mist... Read More

0.40%

$500

21.26

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| Jun 7, 2018

Fabulous bank Read More

0.35%

$10,000

21.21

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0.30%

$100,000

24.19

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0.20%

$10,000

24.19

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| May 18, 2019

Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around Arab, AL - December 14, 2025


Branch Street City State
EvaBank
Cherokee Office Branch
1710 Cherokee Ave S.W. Cullman AL
Capital One 360
The Exchange Bank Of Alabama Branch
Sixth And Blount Streets Altoona AL
Wells Fargo Bank, National Association
Cullman Main Branch
300 2nd Avenue Southwest Cullman AL
The Hometown Bank of Alabama
The Hometown Bank Of Alabama Branch
2002 2nd Avenue, East Oneonta AL
Liberty Bank
Snead Branch
87615 Us Hwy 278 East Altoona AL
Citizens Bank & Trust
Arab Branch
1205 North Brindlee Mountain Parkway Arab AL
First State Bank of DeKalb County
Grant Branch
4770 Main Street Grant AL
First Jackson Bank, Inc.
Wal-Mart Shopping Center Branch
308 Sutton Road Owens Cross Roads AL
The Southern Bank Company
2204 Henry Street Branch
2204 Henry Street Guntersville AL
First Bank of Boaz
First Bank Of Boaz Branch
124 South Main Street Boaz AL
Trustmark Bank
Jones Valley Branch
2021 Cecil Ashburn Drive Huntsville AL
First Community Bank of Cullman
First Community Bank Of Cullman Branch
420 2nd Avenue, Sw Cullman AL
CB&S Bank, Inc.
Owens Crossroads Branch
6388 Us Highway 431 Owens Cross Roads AL
Peoples Bank of Alabama
Peoples Bank Of Alabama Branch
1912 Cherokee Avenue, Sw Cullman AL
Bryant Bank
Huntsville Branch
1804 Four Mile Post Road Huntsville AL
Bryant Bank
Huntsville Branch
1804 Four Mile Post Road Huntsville AL
Regions Bank
Cullman 711 2nd Ave Main Branch
711 Second Avenue Southwest Cullman AL
PNC Bank, National Association
Lily Flagg Branch
107 Lily Flagg Road Se Huntsville AL


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PRODUCT INFORMATION

18 Month CDs - Branch Banks 2025

Banks offer a range of Certificates of Deposit (CD) with 18 month CDs being a popular term. An eighteen month CD obligates the holder to keep their money in the bank for eighteen months in return for a fixed rate of interest during that time period. All eighteen month bank CDs shown on BestCashCow are FDIC insured.

Eighteen month CDs can be opened in almost any bank branch as the are a mainstay of bank deposit products.

The advantages of an eighteen month CD are:

  • A slightly higher rate than 12 month CDs in return for leaving the money in the bank longer.
  • A fixed rate during the 18 month period.
  • FDIC insurance.
  • Convenience of opening and managing the CD at a local branch.

The disadvantages of an eighteen month branch CDs are:

  • Rates are generally lower than on the top online savings and CD accounts.
  • Money is tied up for 18 months. Removing it early results in significant penalties.
  • Opening in a branch requires a personal visit.

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.

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