California

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Vista, California CD Rates – 18-Month

You are viewing rates from banks across Vista





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

Vista, CA - July 16, 2025

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

Rate History: 3.44% → 3.29% → 4.00% → 3.29% → 4.10%

Rate History: 3.75% → 2.45% → 3.85% → 4.00% → 3.75%

| 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

Rate History: 3.05% → 2.53%

Rate History: 3.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

0.65%

$100,000

24.94

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| Jul 22, 2015

Fix your automated system so I can find information after you close Read More

0.50%

$10,000

24.94

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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

3.46

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0.40%

$100,000

15.95

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0.40%

$100,000

20.99

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0.35%

$10,000

15.95

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.35%

$10,000

20.99

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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

3.40

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0.25%

$10,000

3.40

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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

Rate History: 0.10% → 0.02% → 0.10% → 0.02%

| 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

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 Vista, CA - July 16, 2025


Branch Street City State
State Bank of India (California)
San Diego Branch
9494 Black Mountain Road Ste C San Diego CA
Citibank, National Association
Carlsbad Branch
1810 Marron Road Carlsbad CA
Zions Bank
Carlsbad Village Branch
675 Carlsbad Village Drive Carlsbad CA
JPMorgan Chase Bank, National Association
Oceanside Branch
801 Mission Avenue Oceanside CA
Hanmi Bank
San Diego Branch
4637 Convoy Street, Suite 101 San Diego CA
Pacific Premier Bank, National Association
Encinitas Branch
781 Garden View Court, Suite 100 Encinitas CA
Hanmi Bank
San Diego Branch
4637 Convoy Street, Suite 101 San Diego CA
Mechanics Bank
San Diego Branch
9333 Genesee Avenue, Suite 1100 San Diego CA
Western Alliance Bank
Carlsbad Branch
2760 Gateway Road Carlsbad CA
Citizens Business Bank
Carmel Valley Business Financial Cen Branch
12680 High Bluff Drive San Diego CA
CalPrivate Bank
La Jolla Branch
9404 Genesee Avenue, Suite 100 La Jolla CA
Citizens Business Bank
Carmel Valley Business Financial Cen Branch
12680 High Bluff Drive San Diego CA
Armed Forces Bank, National Association
Nas North Island Branch
Nex Building 2017 San Diego CA
CalPrivate Bank
La Jolla Branch
9404 Genesee Avenue, Suite 100 La Jolla CA
GBC International Bank
Carlbad Lpo Branch
2100 Palomar Airport Road, Suite 214-21 Carlsbad CA
California Bank of Commerce, National Association
Carlsbad Branch
3142 Tiger Run Court, Ste 107 Carlsbad CA
Cathay Bank
San Diego Branch
4688 Convoy Street, San Diego CA
California Bank of Commerce, National Association
Carlsbad Branch
3142 Tiger Run Court, Ste 107 Carlsbad CA
First Bank
Kearny Mesa Branch
9363 Clairemont Mesa Boulevard, Suite S San Diego CA
East West Bank
Metro United Bank Branch
7320 Clairemont Mesa Boulevard San Diego CA
First-Citizens Bank & Trust Company
La Jolla Branch
835 Pearl Street La Jolla CA


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

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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