California

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Alameda, California CD Rates – 18-Month

You are viewing rates from banks across Alameda





Below are eighteen-month Certificates of Deposit (CD) rates from banks in Alameda, California . 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.

Alameda, CA - July 24, 2025

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.35% → 4.20% → 4.15% → 4.05% → 4.20%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Early Withdrawal Penalty is 8 months interest.
Rate History: 4.50% → 3.75% → 3.85% → 4.30% → 4.20%

| 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

| 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

Early Withdrawal Penalty is 270 days interest.
Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.10%

| 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: 3.44% → 3.29% → 4.00% → 3.29% → 4.10%

Rate History: 4.25% → 4.30% → 4.35% → 4.25% → 4.10%

| Feb 12, 2020

WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.50% → 4.25% → 4.15% → 4.05% → 4.00%

| Jun 26, 2020

Rate not current Read More

Earty Withdrawal Penalty is 180 days interest.
Rate History: 4.75% → 4.50% → 4.35% → 3.85% → 3.80%

| 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

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

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

Rate History: 4.35% → 4.25% → 4.20% → 3.75%

Warning: Early withdrawal penalty is 3.00%.
Rate History: 2.00% → 3.75%

| Jan 10, 2024

Applied for the Joint 5.50% Hi Yield Savings special. (Note: some places reference it is guaranteed for 6 months, other parts of website only guarantee rate for 3 months). We applied and surprising denied ... Read More

Rate History: 3.95% → 4.10% → 3.80% → 3.79% → 3.60%

| Dec 3, 2019

Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More

| 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: 3.05% → 2.53%

0.70%

$10,000

23.13

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0.65%

$100,000

7.75

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0.65%

$100,000

9.16

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0.65%

$100,000

11.58

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0.55%

$10,000

11.58

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0.50%

$2,500

11.58

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0.50%

$10,000

9.16

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| Dec 6, 2018

I have to say, as a local business owner, I purposefully chose to work with a 'local business bank'. I moved my checking over when I incorporated and assumed that I would go to them when my needs increased... Read More

0.45%

$10,000

2.67

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0.40%

$100,000

22.96

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0.35%

$10,000

7.75

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| Apr 15, 2019

Very friendly and helpful here. We had closed an account last year, and were not asked what we planned to do with the money or if we found a better rate elsewhere. Just thanks for banking with us...so we ... Read More

0.30%

$100,000

11.68

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0.27%

$10,000

22.96

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| 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

0.20%

$10,000

11.68

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| May 21, 2018

I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More

0.10%

$10,000

7.62

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| Mar 15, 2023

Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More

| Jul 24, 2023

BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... 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 Alameda, CA - July 24, 2025


Branch Street City State
Finworth, a division of InsBank
San Francisco Loan Production Office Branch
One Embarcadero Center, Suite 3840 San Francisco CA
State Bank of India (California)
State Bank Of India (California) - F Branch
39148 Paseo Padre Parkway Fremont CA
Charles Schwab Bank, SSB
403 Corte Madera Town Center Branch
403 Corte Madera Town Center Corte Madera CA
Monet Bank
Walnut Creek Branch
1631 North California Blvd Walnut Creek CA
Poppy Bank
Corte Madera Branch
137 Corte Madera Town Center Corte Madera CA
Bank of Hope
Oakland Branch
1940 Webster St Oakland CA
Zions Bank
San Rafael Banking Center Branch
1016 Irwin Street San Rafael CA
Fremont Bank
Mission Bay Branch
200 Townsend Street San Francisco CA
Fremont Bank
Mission Bay Branch
200 Townsend Street San Francisco CA
First Federal Savings and Loan Association of San Rafael
2009 Sir Francis Drake Boulvard Bran Branch
2009 Sir Francis Drake Blvd Fairfax CA
BEACON BUSINESS BANK, NATIONAL ASSOCIATION
Beacon Business Bank, National Association Branch
88 Kearny Street, Suite 1750 San Francisco CA
Hanmi Bank
San Francisco Branch
1469 Webster St. San Francisco CA
Industrial and Commercial Bank of China USA, National Association
Noriega Street Branch
1250 Noriega Street San Francisco CA
Industrial and Commercial Bank of China USA, National Association
Noriega Street Branch
1250 Noriega Street San Francisco CA
Industrial and Commercial Bank of China USA, National Association
Noriega Street Branch
1250 Noriega Street San Francisco CA
Hanmi Bank
San Francisco Branch
1469 Webster St. San Francisco CA
Mechanics Bank
San Rafael Office Branch
904 4th Street San Rafael CA
Western Alliance Bank
Oakland Branch
1951 Webster Street Oakland CA
Avidbank
Avidbank Branch
1732 N 1st St. 6th Floor San Jose CA
BEACON BUSINESS BANK, NATIONAL ASSOCIATION
Beacon Business Bank, National Association Branch
88 Kearny Street, Suite 1750 San Francisco CA
GBC International Bank
Sincere Federal Savings Branch
1355 Stockton Street San Francisco CA
Bank of the Orient
Irving Street Branch
2001 Irving Street San Francisco CA
Bank of Hope
Oakland Branch
1940 Webster St Oakland CA
Cathay Bank
San Francisco Clement Branch
919 Clement Street San Francisco CA
Avidbank
Avidbank Branch
1732 N 1st St. 6th Floor San Jose CA
Bank of the Orient
Irving Street Branch
2001 Irving Street San Francisco CA
First Bank
First Bank Branch
1446 4th Street San Rafael CA
Bank of San Francisco
Bank Of San Francisco Branch
575 Market Street, Suite 900 San Francisco CA
East West Bank
Balboa Branch
3601 Balboa Street San Francisco CA
Bank of America, National Association
Fairfax Branch
89 Broadway Fairfax CA


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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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