Connecticut

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Naugatuck, Connecticut CD Rates – 18-Month

You are viewing rates from banks across Naugatuck





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

Naugatuck, CT - October 30, 2025

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

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%

| 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 90 days interest.
Rate History: 4.15% → 4.05% → 4.00% → 3.80% → 3.80%

| Jun 26, 2020

Rate not current Read More

Early Withdrawal Penalty is 270 days interest.
Rate History: 4.16% → 3.95% → 3.90% → 3.80% → 3.70%

| 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: 3.90% → 3.80% → 3.70% → 3.80% → 3.70%

| 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

Rate History: 3.00% → 2.85%

| 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: 3.00% → 2.50% → 2.00%

| Jan 2, 2023

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

Rate History: 3.50% → 2.00% → 1.50%

| 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

| Aug 15, 2021

20 Read More

0.80%

$100,000

12.86

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0.75%

$10,000

12.86

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0.50%

$10,000

19.36

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0.50%

$10,000

13.53

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0.40%

$10,000

9.18

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0.35%

$10,000

19.79

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0.25%

$10,000

23.00

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0.20%

$10,000

21.20

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0.15%

$10,000

23.48

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0.05%

$10,000

18.98

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| 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 Naugatuck, CT - October 30, 2025


Branch Street City State
Capital One, National Association
Branford Main Branch
45 South Main Street Branford CT
JPMorgan Chase Bank, National Association
Stony Hill Branch
111 Newton Road Danbury CT
Wells Fargo Bank, National Association
Bethel Branch
159 Greenwood Avenue Bethel CT
Ives Bank
Brookfield Branch
154 Federal Road Brookfield CT
Thomaston Savings Bank
Bethlehem Branch
73 Main Street South Bethlehem CT
Thomaston Savings Bank
Bethlehem Branch
73 Main Street South Bethlehem CT
Newtown Savings Bank
Brookfield Branch
99 Federal Road Brookfield CT
New Haven Bank
Start Community Bank Branch
299 Whalley Avenue New Haven CT
Ion Bank
Southbury Branch
363 Main Street South Southbury CT
Union Savings Bank
New Milford Ii Branch
41 East Street New Milford CT
Northwest Community Bank
Torrington Branch
416 Winsted Road Torrington CT
The Milford Bank
The Milford Bank Branch
2366 Main Street Stratford CT
The National Iron Bank
The Cornwall Branch
Route 4, Cornwall Bridge Cornwall Bridge CT
Ascend Bank
North Main Street Branch
61 North Main Street Branford CT
Bank of America, National Association
New Milford - Main Branch
55 Main Street New Milford CT
Webster Bank, National Association
Danbury Branch
85 Newtown Rd Danbury CT


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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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