Best 18-Month CD Rates in Cambridge, Massachusetts, MA

You are viewing rates from banks across Cambridge

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

Cambridge, MA - August 1, 2025

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
MutualOne Bank Lincoln Street Branch	5.25%	$500	16.90	Learn More
Rate History: 5.00% → 5.30% → 5.40% → 5.25%
Thomas DeMauro \| Aug 28, 2022 Rates are totally uncompetitive now. Read More Reviews (11)
Dedham Institution for Savings Dedham Institution For Savings Branch	4.50%	$1,000	21.77	Learn More Add Review
Salem Five Cents Savings Bank Sudbury Branch	4.25%	$500	15.30	Learn More
Rate History: 0.25% → 4.25%
DMuessig \| Jan 8, 2018 Another bad bank! Did a hard pull just to open a checking account with no overdraft and denied me. Never even bothered to send a letter or e-mail. Now I have another inquiry on my credit report for nothin... Read More Reviews (2)
Middlesex Savings Bank Acton Branch	4.25%	$10	19.53	Learn More
Rate History: 5.00% → 4.75% → 4.05% → 4.25%
Stephen Clinton \| Jan 9, 2021 Used to be a good bank!! Taking money out of my account for something I did not purchase. This is the second time they did this. They do it on Fridays knowing that no one from the Fraud Department isn't th... Read More Reviews (1)
Everett Co-operative Bank Everett Co-Operative Bank Branch	4.25% 0.65%	$501 $500	4.25	Learn More Add Review
Rate History: 1.00% → 5.00% → 4.25%
Merrick Bank	4.20%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.35% → 4.20% → 4.15% → 4.05% → 4.20%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
Valley Direct, a division of Valley National Bank	4.15%	$500	-	Learn More Add Review
AEM \| 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
Popular Direct	4.10%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 270 days interest. Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.10%
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
Winchester Co-operative Bank Winchester Co-Operative Bank Branch	4.05%	$500	5.11	Learn More Add Review
Rate History: 4.25% → 4.50% → 4.05%
North Shore Bank, a Co-operative Bank Lynn Fells Parkway Branch	4.00%	$1,000	9.10	Learn More Add Review
Limelight Bank, A division of Capital Community Bank	4.00%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.25% → 4.15% → 4.05% → 4.00%
Savvysaver \| Jun 26, 2020 Rate not current Read More
Northern Bank & Trust Company Littleton Branch	4.00%	$500	20.72	Learn More Add Review
Rate History: 0.55% → 3.75% → 4.00%
Sallie Mae Bank	3.80%	$2,500	-	Learn More
Earty Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.50% → 4.35% → 3.85% → 3.80%
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 Reviews (40)
Vio Bank, A Division of MidFirst Bank	3.80%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.95% → 4.00% → 3.95% → 3.80%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Beal Bank USA Boston Branch	3.75%	$1,000	10.33	Learn More
Rate History: 4.35% → 4.25% → 4.20% → 3.75%
george \| Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More Reviews (3)
The National Grand Bank of Marblehead Marblehead High School Branch	3.75%	$1,000	15.74	Learn More Add Review
South Shore Bank Stoughton Branch	3.75%	$1,000	16.01	Learn More Add Review
Rate History: 4.50% → 4.38% → 4.00% → 2.50% → 3.75%
The Village Bank Wayland Branch	3.75%	$20	11.04	Learn More
Rate History: 4.25% → 4.50% → 3.75% → 3.50% → 3.75%
Andrea \| Apr 18, 2017 Village Bank currently has a 15 mo. CD special at 1.50% Read More Reviews (1)
Walpole Co-operative Bank Walpole Co-Operative Bank Branch	3.75%	$0	17.38	Learn More Add Review
Rate History: 1.70% → 4.25% → 4.10% → 3.80% → 3.75%
Citibank, National Association Wellesley Center Branch	3.75%	$0	10.66	Learn More
Rate History: 3.75% → 2.45% → 3.85% → 4.00% → 3.75%
Azoic \| 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 Reviews (11)
Eagle Bank Lexington Center Branch	3.70%	$500	7.08	Learn More Add Review
Rate History: 4.40% → 4.31% → 4.10% → 0.35% → 3.70%
Needham Bank Ashland Branch	3.65%	$1,000	19.61	Learn More
Rate History: 3.75% → 3.65%
Shawn \| Feb 14, 2022 I had a personal checking account and a business account. All went well until I sent a polite letter pointing out that it is improper, and not good practice, to make online passwords expire. Why should ... Read More Reviews (2)
HarborOne Bank Mansfield Branch	3.65%	$1,000	24.63	Learn More
Rate History: 4.50% → 4.10% → 3.35% → 3.75% → 3.65%
Jacob \| Jan 30, 2020 Find branch personnel are genuinely interested in my business. Read More Reviews (2)
LendingClub Radius Bank Branch	3.50%	$2,500	5.39	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.90% → 4.75% → 4.40% → 3.75% → 3.50%
overdrawn \| Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More Reviews (21)
Wells Fargo Bank, National Association Boston Abbot Downing Trust Office Branch	3.50%	$5,000	3.56	Learn More
Thy King \| 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 Reviews (7)
Cape Ann Savings Bank Manchester Branch	3.30%	$500	23.28	Learn More Add Review
Rate History: 1.00% → 3.30% → 0.75% → 3.30%
StonehamBank, A Co-operative Bank Billerica Branch	3.25%	$1,000	13.82	Learn More Add Review
Rate History: 4.00% → 3.75% → 4.00% → 3.50% → 3.25%
Pentucket Bank North Andover Branch	3.14%	$500	23.23	Learn More Add Review
Rate History: 3.30% → 3.14%
CIT Bank, a division of First-Citizens Bank and Trust	3.00%	$1,000	-	Learn More Add Review
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
Methuen Co-operative Bank Methuen Co-Operative Bank Branch	3.00%	$1,000	24.15	Learn More Add Review
Rate History: 1.50% → 2.00% → 3.00%
Marblehead Bank Cummings Center Branch	3.00%	$500	17.82	Learn More Add Review
Rate History: 0.25% → 3.00%
Institution for Savings in Newburyport and Its Vicinity Middleton Office Branch	2.25%	$500	15.49	Learn More
Rate History: 0.50% → 0.75% → 2.25% → 0.50% → 2.25%
Karen nicoli \| Jan 23, 2017 2.50 Read More Reviews (1)
JPMorgan Chase Bank, National Association Boston Branch	2.00%	$10,000	4.44	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Hingham Institution for Savings Boston Branch	1.75%	$1,000	3.86	Learn More Add Review
Leader Bank, National Association Burlington Branch	1.50%	$1,000	8.52	Learn More Add Review
Rate History: 1.00% → 1.50%
Bank of Easton Bank Of Easton Branch	1.25%	$500	21.59	Learn More Add Review
TD Bank, National Association Acton Branch	1.00%	$10,000	18.39	Learn More
Rate History: 4.50% → 1.00% → 4.00% → 1.00%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Winchester Savings Bank Woburn Branch	0.70%	$10,000	5.96	Learn More Add Review
Coastal Heritage Bank Equitable Co-Operative Bk Br Branch	0.70%	$10,000	11.55	Learn More Add Review
Enterprise Bank and Trust Company Westford Branch	0.60%	$10,000	20.47	Learn More Add Review
MountainOne Bank Quincy Branch	0.55%	$10,000	11.17	Learn More Add Review
Brookline Bank Wellesley Hills Branch	0.50%	$10,000	9.81	Learn More
Bill Quinn \| Feb 21, 2015 Interesting. Is there an approximate Texas ratio for a bank at which other banks may become very interested in an acquisition. Read More Reviews (1)
Berkshire Bank Westborough Route 9 Branch	0.50%	$10,000	13.62	Learn More
Run \| Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read More Reviews (2)
Main Street Bank Littleton Branch	0.50%	$10,000	20.42	Learn More Add Review
Milford Federal Bank Route 109 Plaza Branch	0.50%	$10,000	24.95	Learn More
cfcbjm \| Nov 5, 2020 Appalling customer service! Don't answer the phone, a simple credit line takes days & a mountain of paperwork - absolutely not worth the trouble! Read More Reviews (1)
Winter Hill Bank, FSB Cutter Avenue Branch	0.50%	$10,000	1.13	Learn More Add Review
Washington Savings Bank Washington Savings Bank Branch	0.50%	$500	20.52	Learn More Add Review
Rate History: 2.25% → 0.50%
North Easton Savings Bank Mansfield Branch	0.50%	$500	24.79	Learn More
CS \| Sep 3, 2020 Went in to open accounts in Middleboro foy my husband and myself as well as one for my grandson. Without being invited into an office I was asked from across the room if I was opening accounts for the chi... Read More Reviews (2)
Middlesex Federal Savings, F.A. Middlesex Federal Savings, F.A. - Teele Square Branch	0.45%	$500	1.71	Learn More Add Review
Rate History: 3.75% → 0.45%
Colonial Federal Savings Bank Colonial Federal Savings Bank Branch	0.45%	$1,000	9.69	Learn More Add Review
Rate History: 1.00% → 0.45%
Commonwealth Co-operative Bank Commonwealth Co-Operative Bank Branch	0.40%	$1,000	8.51	Learn More Add Review
Rate History: 1.00% → 0.40%
Bank of New England Methuen Branch	0.40%	$10,000	24.56	Learn More Add Review
East Cambridge Savings Bank Wal-Lex Shopping Center Branch	0.40%	$1,000	5.90	Learn More Add Review
Rate History: 1.00% → 0.40%
Cathay Bank Boston Branch	0.30%	$50,000	3.91	Learn More Add Review
OneLocal Bank Norwood Co-Operative Bank Branch	0.30%	$500	13.62	Learn More Add Review
Rate History: 0.30% → 1.26% → 0.30%
Stoughton Co-operative Bank Park Street Branch	0.30%	$500	17.71	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| 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
Webster Bank, National Association Stoughton Branch	0.20%	$10,000	17.47	Learn More Add Review
The Savings Bank Methuen Branch	0.20%	$1,000	22.89	Learn More Add Review
Banco Bilbao Vizcaya Argenteria	0.15%	$500	-	Learn More Add Review
The Duffster \| 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
Eastern Bank Westford Branch	0.10%	$10,000	20.40	Learn More
marcus \| Nov 1, 2021 worst bank ever and they racist ruth bitchell and the rest of them ban frontline workers that complain about their mistakes this only happens to blacks Read More Reviews (1)
Watertown Savings Bank Lexington Branch	0.10%	$10,000	7.18	Learn More
Denyse DuBrucq \| Jan 1, 2016 I very much prefer banking here. Everyone is so friendly and know who is calling by voice. Your help getting me through this year where I did as much as possible to launch my business, CryoRain Inc., is ... Read More Reviews (1)
Bank of America, National Association Ashland Branch	0.03%	$100,000	19.92	Learn More
Treasure \| 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 Reviews (7)

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 Cambridge, MA - August 1, 2025

Branch	Street	City	State
MutualOne Bank Lincoln Street Branch	One Lincoln Street	Framingham	MA
Dedham Institution for Savings Dedham Institution For Savings Branch	74 Main Street	Medway	MA
Salem Five Cents Savings Bank Sudbury Branch	19 Concord Road	Sudbury	MA
Middlesex Savings Bank Acton Branch	577 Massachusetts Avenue	Acton	MA
Everett Co-operative Bank Everett Co-Operative Bank Branch	419 Broadway	Everett	MA
Winchester Co-operative Bank Winchester Co-Operative Bank Branch	19 Church Street	Winchester	MA
North Shore Bank, a Co-operative Bank Lynn Fells Parkway Branch	412 Lynn Fells Parkway	Saugus	MA
Northern Bank & Trust Company Littleton Branch	265 Great Road	Littleton	MA
Beal Bank USA Boston Branch	161 Linden Street, Ssuite 105	Wellesley	MA
The National Grand Bank of Marblehead Marblehead High School Branch	2 Humphrey Street	Marblehead	MA
South Shore Bank Stoughton Branch	1538 Turnpike Street	Stoughton	MA
The Village Bank Wayland Branch	62 Boston Post Road	Wayland	MA
Walpole Co-operative Bank Walpole Co-Operative Bank Branch	982 Main Street	Walpole	MA
Citibank, National Association Wellesley Center Branch	84 Central Street	Wellesley	MA
Eagle Bank Lexington Center Branch	1768 Massachusetts Avenue	Lexington	MA
Needham Bank Ashland Branch	41 Front Street	Ashland	MA
HarborOne Bank Mansfield Branch	131 Copeland Drive	Mansfield	MA
LendingClub Radius Bank Branch	1 Harbor St, Ste 102	Boston	MA
Wells Fargo Bank, National Association Boston Abbot Downing Trust Office Branch	200 Berkeley Street	Boston	MA
Cape Ann Savings Bank Manchester Branch	17 Beach Street	Manchester	MA
StonehamBank, A Co-operative Bank Billerica Branch	493 Boston Road	Billerica	MA
Pentucket Bank North Andover Branch	1065 Osgood Street	North Andover	MA
Methuen Co-operative Bank Methuen Co-Operative Bank Branch	243 Broadway	Methuen	MA
Marblehead Bank Cummings Center Branch	100 Cummings Center Suite 101-F	Beverly	MA
Institution for Savings in Newburyport and Its Vicinity Middleton Office Branch	161 South Main Street	Middleton	MA
JPMorgan Chase Bank, National Association Boston Branch	50 Rowes Wharf, Floor 4	Boston	MA
Hingham Institution for Savings Boston Branch	540 Tremont Street	Boston	MA
Leader Bank, National Association Burlington Branch	50 Mall Rd	Burlington	MA
Bank of Easton Bank Of Easton Branch	275 Washington Street	North Easton	MA
TD Bank, National Association Acton Branch	408 Massachusetts Avenue	Acton	MA
Winchester Savings Bank Woburn Branch	344 Cambridge Road	Woburn	MA
Coastal Heritage Bank Equitable Co-Operative Bk Br Branch	400 Broadway	Lynn	MA
Everett Co-operative Bank Everett Co-Operative Bank Branch	419 Broadway	Everett	MA
Enterprise Bank and Trust Company Westford Branch	237 Littleton Road	Westford	MA
MountainOne Bank Quincy Branch	77 Granite Street	Quincy	MA
Brookline Bank Wellesley Hills Branch	448 Washington St	Wellesley	MA
Berkshire Bank Westborough Route 9 Branch	303 Turnpike Road (Route 9)	Westborough	MA
Main Street Bank Littleton Branch	220 Great Road	Littleton	MA
Milford Federal Bank Route 109 Plaza Branch	91 Medway Road	Milford	MA
Winter Hill Bank, FSB Cutter Avenue Branch	5 Cutter Avenue	Somerville	MA
Washington Savings Bank Washington Savings Bank Branch	30 Middlesex Street	Lowell	MA
North Easton Savings Bank Mansfield Branch	71 Copeland Drive	Mansfield	MA
Middlesex Federal Savings, F.A. Middlesex Federal Savings, F.A. - Teele Square Branch	1196 Broadway	Somerville	MA
Colonial Federal Savings Bank Colonial Federal Savings Bank Branch	15 Beach Street	Quincy	MA
Commonwealth Co-operative Bank Commonwealth Co-Operative Bank Branch	1172 River St	Hyde Park	MA
Bank of New England Methuen Branch	3 Cross Street	Methuen	MA
East Cambridge Savings Bank Wal-Lex Shopping Center Branch	860 Lexington Street	Waltham	MA
Cathay Bank Boston Branch	621 Washington Street	Boston	MA
OneLocal Bank Norwood Co-Operative Bank Branch	11 Central Street	Norwood	MA
Stoughton Co-operative Bank Park Street Branch	20 Park Street	Stoughton	MA
Webster Bank, National Association Stoughton Branch	700 Washington Street	Stoughton	MA
The Savings Bank Methuen Branch	17 Burnham Road	Methuen	MA
Eastern Bank Westford Branch	203 Littleton Road	Westford	MA
Watertown Savings Bank Lexington Branch	1075 Waltham Street	Lexington	MA
Bank of America, National Association Ashland Branch	300 Elliot Street	Ashland	MA

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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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Cambridge, Massachusetts CD Rates – 18-Month

Branches Info around Cambridge, MA - August 1, 2025

PRODUCT INFORMATION

18 Month CDs - Branch Banks 2025

The advantages of an eighteen month CD are:

The disadvantages of an eighteen month branch CDs are:

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