Illinois

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Sycamore, Illinois CD Rates – 18-Month

You are viewing rates from banks across Sycamore





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

Sycamore, IL - July 18, 2025

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.35% → 4.20% → 4.15% → 4.05% → 4.20%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

| 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

Early Withdrawal Penalty is 270 days interest.
Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.10%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.50% → 4.25% → 4.15% → 4.05% → 4.00%

| Jun 26, 2020

Rate not current Read More

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%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

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

Early Withdrawal Penalty is 6 months interest.
Rate History: 4.45% → 4.25% → 3.90% → 3.80% → 3.70%

| Mar 15, 2023

Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More

| 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

| 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: 0.15% → 1.00%

Rate History: 1.70% → 4.65% → 1.70% → 1.20% → 1.00%

| Jan 29, 2024

Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More

0.60%

$10,000

18.17

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0.60%

$10,000

13.84

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| Mar 18, 2021

I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More

0.45%

$10,000

18.49

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0.40%

$10,000

18.60

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0.35%

$10,000

24.33

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0.35%

$10,000

11.14

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0.30%

$10,000

23.98

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0.30%

$100,000

21.39

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0.30%

$10,000

18.97

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0.27%

$100,000

18.16

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0.25%

$10,000

21.39

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| 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

0.25%

$10,000

18.16

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0.20%

$100,000

23.98

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| 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

Rate History: 0.10% → 0.15%

| Nov 12, 2018

Helpful w/$ 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 Sycamore, IL - July 18, 2025


Branch Street City State
Citibank, National Association
St Charles Branch
1925 Lincoln Highway St. Charles IL
Wells Fargo Bank, National Association
Huntley Branch
13308 Village Green Drive Huntley IL
JPMorgan Chase Bank, National Association
Harrison Branch
4425 Harrison Avenue Rockford IL
Prairie Community Bank
Prairie Community Bank Branch
800 West Grant Highway Marengo IL
Heartland Bank and Trust Company
Fourth Street Facility Branch
913 South Fourth Street De Kalb IL
BMO Bank National Association
Alpine Harrison Facility Branch
2510 South Alpine Road Rockford IL
First State Bank
Shabbona Branch
203 West Comanche Avenue Shabbona IL
American Bank and Trust Company, National Association
Kaneland/Elburn Branch
8 South Main Street Elburn IL
The Huntington National Bank
Union Depot Branch
17622 Depot Street Union IL
First Secure Community Bank
First Secure Community Bank Branch
670 Sugar Grove Parkway (Route 47) Sugar Grove IL
First Federal Savings Bank
Elgin Branch
325 South Randall Road Elgin IL
The Harvard State Bank
Rockford Il Branch
2470 East Rock Drive Rockford IL
First American Bank
Hampshire Facility Branch
201 South State Street Hampshire IL
Stillman BancCorp N.A.
Rockford Branch
8492 East State Street Rockford IL
Crystal Lake Bank and Trust Company, National Association
Algonquin Bank Branch
4049 W. Algonquin Rd Algonquin IL
St. Charles Bank & Trust Company, National Association
Elgin Branch
1001 South Randall Road Elgin IL
Resource Bank, National Association
Shabbona Branch
308 East Comanche Avenue Shabbona IL
Crystal Lake Bank and Trust Company, National Association
Algonquin Bank Branch
4049 W. Algonquin Rd Algonquin IL
Resource Bank, National Association
Shabbona Branch
308 East Comanche Avenue Shabbona IL
Stillman BancCorp N.A.
Rockford Branch
8492 East State Street Rockford IL
Old Second National Bank
Sycamore Branch
1810 Dekalb Avenue Sycamore IL
Fifth Third Bank, National Association
Rockford Alpine Branch
1111 S. Alphine Rockford 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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