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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Irvine
Below are eighteen-month Certificates of Deposit (CD) rates from banks in Irvine, 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.
Irvine, CA - August 2, 2025
18 Month CD National Average : 0.58% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.15% |
$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. 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% |
$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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4.10% |
$1,000 |
19.02 |
Learn More
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Rate History: 3.44% → 3.29% → 4.00% → 3.29% → 4.10% |
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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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Savvysaver | Jun 26, 2020 Rate not current 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. 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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3.75% |
$1,000 |
9.82 |
Learn More
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Rate History: 4.35% → 4.25% → 4.20% → 3.75% |
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3.75% |
$0 |
19.25 |
Learn More
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Rate History: 3.75% → 2.45% → 3.85% → 4.00% → 3.75% |
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Azoic | Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More |
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3.60% 0.30% |
$250,000 $1,000 |
19.25 |
Learn More
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Rate History: 3.95% → 4.10% → 3.80% → 3.79% → 3.60% |
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NORTY FLATZ | 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 |
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3.50% |
$5,000 |
23.92 |
Learn More
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Thy King | 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 |
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3.00% |
$1,000 |
- |
Learn More
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RTN1949 | 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 |
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3.00% |
$1,500 |
18.93 |
Learn More
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Rate History: 2.65% → 3.00% |
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Ryan | Feb 13, 2018 Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... Read More |
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2.75% |
$500 |
23.42 |
Learn More
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Rate History: 4.65% → 4.25% → 3.50% → 3.00% → 2.75% |
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1.85% |
$1,000 |
19.59 |
Learn More
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1.51% |
$1,000 |
19.05 |
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1.01% |
$10,000 |
9.83 |
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0.85% |
$100,000 |
6.12 |
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maris | Mar 2, 2019 does require us citizenship? Read More |
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0.75% |
$10,000 |
13.09 |
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0.65% |
$100,000 |
10.50 |
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0.65% |
$100,000 |
14.62 |
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0.65% |
$10,000 |
15.52 |
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RHG | Jan 29, 2019 The Bank does not have this product. Read More |
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0.65% |
$100,000 |
19.23 |
Learn More
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0.55% |
$10,000 |
14.31 |
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0.55% |
$10,000 |
14.62 |
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0.50% |
$10,000 |
6.12 |
Learn More
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maris | Mar 2, 2019 does require us citizenship? Read More |
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0.50% |
$10,000 |
10.50 |
Learn More
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0.50% |
$10,000 |
19.23 |
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0.50% |
$10,000 |
10.07 |
Learn More
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kristinalouise | 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 |
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0.40% |
$10,000 |
2.65 |
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0.40% |
$100,000 |
6.11 |
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0.35% |
$10,000 |
6.11 |
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0.35% |
$100,000 |
14.77 |
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0.30% |
$10,000 |
19.40 |
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0.30% |
$10,000 |
14.77 |
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0.25% |
$10,000 |
15.05 |
Learn More
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Lori Kroko | Mar 10, 2021 I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More |
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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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The Duffster | 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 |
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0.15% 0.10% |
$1 $0 |
6.95 |
Learn More
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Austin | Aug 25, 2021 I have banked with Umpqua in Gig Harbor since 2013 and although there money market rates are not good didn’t have much problem until I moved to Spokane and started using this branch on south hill. They ... Read More |
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0.15% |
$1,000 |
18.56 |
Learn More
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0.05% |
$500 |
24.02 |
Learn More
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Ugg | Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More |
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0.03% |
$100,000 |
24.46 |
Learn More
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Treasure | 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 |
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0.02% |
$500 |
7.11 |
Learn More
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Rate History: 0.10% → 0.02% → 0.10% → 0.02% |
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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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| Branch | Street | City | State |
|---|---|---|---|
|
State Bank of India (California) Artesia Branch |
18191 Pioneer Boulevard | Artesia | CA |
|
Monet Bank Irvine Branch |
5600 Michelson Drive, Suite 140 | Irvine | CA |
|
Citibank, National Association Citibank, National Association Branch |
5354 E 2nd St. | Long Beach | CA |
|
Bank of Hope Bank Of Hope Branch |
17127 S. Pioneer Blvd. | Artesia | CA |
|
Wells Fargo Bank, National Association Downtown Downey Branch |
8345 East Firestone Boulevard | Downey | CA |
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Habib American Bank Artesia Branch |
18357 Pioneer Boulevard | Artesia | CA |
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HomeStreet Bank Downey Branch |
8860 Apollo Way, Suite 328 | Downey | CA |
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American Plus Bank, N.A. Rowland Heights Branch |
17506 Colima Road | Rowland Heights | CA |
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PCB Bank Cerritos Office Branch |
17709 Pioneer Boulevard | Artesia | CA |
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California International Bank, N.A. California International Bank, N.A. Branch |
8632 East Valley Boulevard, Suite A | Rosemead | CA |
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First Credit Bank First Credit Bank Branch |
18552 Macarthur Boulevard, Suite 102 | Irvine | CA |
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Open Bank Buena Park Branch |
5141 Beach Blvd., Units E & F, Building 2 | Buena Park | CA |
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US Metro Bank Us Metro Bank Branch |
9866 Garden Grove Boulevard | Garden Grove | CA |
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Golden State Bank Brea Branch |
403 W. Imperial Highway, Suite D | Brea | CA |
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Commonwealth Business Bank Fullerton/Buena Park Branch |
6041 Beach Blvd. | Buena Park | CA |
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Hanmi Bank Cerritos-Artesia Branch |
11754 East Artesia Boulevard | Artesia | CA |
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SMBC MANUBANK Brea Branch |
100 S. State College Boulevard | Brea | CA |
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Golden State Bank Brea Branch |
403 W. Imperial Highway, Suite D | Brea | CA |
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First Credit Bank First Credit Bank Branch |
18552 Macarthur Boulevard, Suite 102 | Irvine | CA |
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US Metro Bank Us Metro Bank Branch |
9866 Garden Grove Boulevard | Garden Grove | CA |
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Hanmi Bank Cerritos-Artesia Branch |
11754 East Artesia Boulevard | Artesia | CA |
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Mechanics Bank Newport Beach Branch |
610 Newport Center Drive, Suite 100 | Newport Beach | CA |
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Tustin Community Bank Tustin Community Bank Branch |
13891 Newport Avenue, Suites 100 & 130 | Tustin | CA |
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CalPrivate Bank San Diego Private Bank Branch |
18552 Macarthur Blvd, Suite220 | Irvine | CA |
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CalPrivate Bank San Diego Private Bank Branch |
18552 Macarthur Blvd, Suite220 | Irvine | CA |
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Commercial Bank of California Brea Branch |
One Pointe Drive, Suite 100 | Brea | CA |
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Farmers and Merchants Bank of Long Beach Los Altos Branch |
2302 Bellflower Boulevard | Long Beach | CA |
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Commercial Bank of California Brea Branch |
One Pointe Drive, Suite 100 | Brea | CA |
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Bank of Hope Bank Of Hope Branch |
17127 S. Pioneer Blvd. | Artesia | CA |
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Shinhan Bank America Buena Park Branch |
5450 Beach Boulevard | Buena Park | CA |
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Umpqua Bank Newport Beach Branch |
4040 Macarthur Boulevard, Suite 100 | Newport Beach | CA |
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First Bank Pacific Coast Hwy Branch |
6200 East Pacific Coast Highway | Long Beach | CA |
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Umpqua Bank Newport Beach Branch |
4040 Macarthur Boulevard, Suite 100 | Newport Beach | CA |
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U.S. Bank National Association Downey Main Branch |
10990 Downey Avenue | Downey | CA |
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Bank of America, National Association Paramount-Florence Branch |
10010 Paramount Boulevard | Downey | CA |
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First-Citizens Bank & Trust Company Newport Beach Branch |
1201 Dove Street | Newport Beach | CA |
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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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