Illinois

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Ottawa, Illinois CD Rates – 18-Month

You are viewing rates from banks across Ottawa





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

Ottawa, IL - July 16, 2025

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

Rate History: 0.15% → 1.00%

0.60%

$10,000

22.71

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0.60%

$10,000

16.06

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0.60%

$10,000

14.83

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0.50%

$10,000

12.41

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0.50%

$1,000

15.14

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| 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

0.45%

$10,000

14.98

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0.45%

$10,000

0.34

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| Oct 28, 2017

Le agradezco a la Sra. Clara por hacerme confiar nuevamente. Mi propia Historia comenzó en 2010 cuando estaba buscando cómo conseguir un sueño en Sudáfrica y gasté todo el dinero que tenía e incluso ... Read More

0.40%

$10,000

14.83

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0.40%

$10,000

7.54

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0.35%

$10,000

18.50

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0.30%

$10,000

14.07

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0.27%

$100,000

21.53

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0.26%

$10,000

1.70

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0.25%

$10,000

21.53

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Rate History: 0.10% → 0.15%

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 Ottawa, IL - July 16, 2025


Branch Street City State
Heartland Bank and Trust Company
Spring Valley Branch
100 East Dakota Street Spring Valley IL
First State Bank
Mcnabb Branch
411 West Main Street Mcnabb IL
Streator Home Savings Bank
Streator Home Savings Bank Branch
132 S Monroe Street Streator IL
Hometown National Bank
Peru Branch
4141 Venture Drive Peru IL
Illini State Bank
Illini State Bank Branch
301 South Columbia Avenue Oglesby IL
The Granville National Bank
Sheridanbank Branch
130 W Si Johnson Ave Sheridan IL
Midland States Bank
Midland States Bank Branch
2022 Fourth Street Peru IL
Eureka Savings Bank
Peru Branch
2959 Peoria Street Peru IL
OSB Community Bank
Ottawa Savings Bank Branch
925 La Salle St Ottawa IL
Peru Federal Savings Bank
Peru Federal Savings Bank Branch
1730 Fourth Street Peru IL
First Federal Savings Bank
Peru Mall Branch
1600 38th Street Peru IL
Marseilles Bank
Marseilles Bank Branch
101 East Bluff Street Marseilles IL
Spring Valley City Bank
Spring Valley City Bank Branch
315 North Cornelia Street Spring Valley IL
La Salle State Bank
Peru Branch
901 Wenzel Road Peru IL
Resource Bank, National Association
Resource Bank, National Assoication Branch
605 East Market Street Somonauk IL
American Commercial Bank & Trust, National Association
Northfield Branch
2771 Columbus Street Ottawa IL
Resource Bank, National Association
Resource Bank, National Assoication Branch
605 East Market Street Somonauk IL
Old Second National Bank
Ottawa Branch
323 East Norris Drive Ottawa IL


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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