Massachusetts

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Lowell, Massachusetts CD Rates – 18-Month

You are viewing rates from banks across Lowell





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

Lowell, MA - August 1, 2025

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

Rate History: 5.00% → 5.30% → 5.40% → 5.25%

| Aug 28, 2022

Rates are totally uncompetitive now. Read More

Rate History: 0.25% → 4.25%

| 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

Rate History: 5.00% → 4.75% → 4.05% → 4.25%

| 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

Rate History: 1.00% → 5.00% → 4.25%

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

Rate History: 4.25% → 4.50% → 4.05%

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

Rate History: 0.55% → 3.75% → 4.00%

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: 4.35% → 4.25% → 4.20% → 3.75%

| 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

Rate History: 4.25% → 4.50% → 3.75% → 3.50% → 3.75%

| Apr 18, 2017

Village Bank currently has a 15 mo. CD special at 1.50% 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

Rate History: 4.40% → 4.31% → 4.10% → 0.35% → 3.70%

Rate History: 3.75% → 3.65%

| 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

Rate History: 3.75% → 4.59% → 3.90% → 3.75% → 3.50%

| 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

Rate History: 4.00% → 3.75% → 4.00% → 3.50% → 3.25%

Rate History: 3.30% → 3.14%

| 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: 1.50% → 2.00% → 3.00%

Rate History: 0.50% → 0.75% → 2.25% → 0.50% → 2.25%

| Jan 23, 2017

2.50 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: 1.00% → 1.50%

Rate History: 4.50% → 1.00% → 4.00% → 1.00%

| May 19, 2018

Experience Read More

0.75%

$10,000

10.90

Learn More

0.70%

$10,000

15.39

Learn More

0.70%

$10,000

21.92

Learn More

0.60%

$500

23.49

Learn More

0.60%

$10,000

9.47

Learn More

0.55%

$10,000

20.40

Learn More

| 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

0.50%

$10,000

20.55

Learn More

Rate History: 2.25% → 0.50%

Rate History: 3.75% → 0.45%

0.40%

$10,000

7.24

Learn More

Rate History: 1.00% → 0.40%

| 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

0.20%

$10,000

24.54

Learn More

| 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

| 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

| 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

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 Lowell, MA - August 1, 2025


Branch Street City State
MutualOne Bank
Lincoln Street Branch
One Lincoln Street Framingham MA
Dedham Institution for Savings
Carleton Willard Branch
100 Old Billerica Road Bedford MA
Salem Five Cents Savings Bank
Sudbury Branch
19 Concord Road Sudbury MA
Middlesex Savings Bank
Groton Branch
112 Boston Road Groton 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 Village Bank
Wayland Branch
62 Boston Post Road Wayland MA
Citibank, National Association
Wellesley Center Branch
84 Central Street Wellesley MA
Eagle Bank
Lexington Center Branch
1768 Massachusetts Avenue Lexington MA
Needham Bank
Wellesley Branch
458 Washington Street Wellesley MA
Haverhill Bank
Haverhill High Office Branch
137 Monument Ave. Haverhill MA
Wells Fargo Bank, National Association
Boston Abbot Downing Trust Office Branch
200 Berkeley Street Boston MA
StonehamBank, A Co-operative Bank
Billerica Branch
493 Boston Road Billerica MA
Pentucket Bank
Lowell Avenue Branch
395 Lowell Avenue Haverhill MA
Methuen Co-operative Bank
Methuen Co-Operative Bank Branch
243 Broadway Methuen 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
TD Bank, National Association
Hudson Branch
177 Broad Street Hudson MA
Rollstone Bank & Trust
Harvard Branch
Route 110 And Old Mill Road Harvard MA
Salem Co-operative Bank
284 Merrimack Street Branch
284 Merrimack Street Methuen 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
BankProv
The Provident Bank Branch
Five Market Street Amesbury MA
Enterprise Bank and Trust Company
Westford Branch
237 Littleton Road Westford MA
MountainOne Bank
Danvers Branch
140 Commonwealth Avenue Danvers MA
Brookline Bank
Wellesley Hills Branch
448 Washington St Wellesley 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
Middlesex Federal Savings, F.A.
Middlesex Federal Savings, F.A. - Teele Square Branch
1196 Broadway Somerville 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
Webster Bank, National Association
Boston Branch
100 Franklin Street Boston 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


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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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