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You are viewing rates from banks across Effingham
Below are eighteen-month Certificates of Deposit (CD) rates from banks in Effingham, Illinois . 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.
Effingham, IL - December 13, 2025
18 Month CD National Average : 0.58% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.95% |
$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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3.90% |
$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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3.70% |
$500 |
- |
Learn More
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Rate History: 3.95% → 4.00% → 3.95% → 3.80% → 3.70% |
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2 Months with Vio Bank | 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 |
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3.45% |
$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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3.24% |
$1,000 |
20.74 |
Learn More
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Rate History: 3.80% → 3.75% → 3.65% → 3.49% → 3.24% |
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3.15% |
$500 |
16.96 |
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Rate History: 3.50% → 3.40% → 3.35% → 3.25% → 3.15% |
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2.75% |
$1,000 |
- |
Learn More
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Rate History: 3.00% → 2.85% → 2.75% |
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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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1.00% |
$10,000 |
19.60 |
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0.80% |
$10,000 |
16.71 |
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0.75% |
$1,000 |
1.10 |
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Rate History: 2.02% → 3.96% → 3.94% → 1.46% → 0.75% |
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0.75% |
$10,000 |
23.16 |
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0.75% |
$10,000 |
12.80 |
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0.70% |
$10,000 |
10.93 |
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0.70% |
$1,000 |
23.51 |
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0.65% |
$10,000 |
24.42 |
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0.65% |
$10,000 |
0.32 |
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0.65% |
$10,000 |
23.25 |
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0.59% |
$500 |
14.66 |
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0.45% |
$10,000 |
20.76 |
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Mikki9678 | Nov 3, 2021 If anyone is considering using Midland States Bank for estate or trust planning and administration, I’d urge you to be careful and do your due diligence. I’ll first say that I am a CPA with experience ... Read More |
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0.45% |
$1,000 |
10.90 |
Learn More
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0.45% |
$10,000 |
7.80 |
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0.35% |
$10,000 |
20.74 |
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0.30% |
$1,000 |
10.99 |
Learn More
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0.01% |
$500 |
1.03 |
Learn More
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Juan Ricardo | Nov 12, 2018 Helpful w/$ Read More |
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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.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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