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You are viewing rates from banks across Worcester
Below are eighteen-month Certificates of Deposit (CD) rates from banks in Worcester, 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.
Worcester, MA - October 30, 2025
18 Month CD National Average : 0.58% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.25% |
$10 |
16.32 |
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Rate History: 5.00% → 4.75% → 4.05% → 4.25% |
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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 |
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3.80% |
$2,500 |
- |
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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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3.80% |
$500 |
- |
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Rate History: 4.00% → 3.95% → 4.00% → 3.95% → 3.80% |
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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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3.80% |
$1,000 |
- |
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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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3.75% |
$1,000 |
21.07 |
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Rate History: 4.00% → 3.75% |
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3.70% |
$10,000 |
- |
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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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2.85% |
$1,000 |
- |
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Rate History: 3.00% → 2.85% |
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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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2.53% |
$1,000 |
18.57 |
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Rate History: 4.70% → 3.56% → 3.51% → 3.05% → 2.53% |
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sur | Aug 16, 2019 Deceptive Sales Practices: Huge Penalties What an awakening! Without any clear statement, and nothing at all on its website, Avidia charged us 50% of the CD’s FULL TERM interest, including both paid... Read More |
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2.00% |
$1,000 |
1.88 |
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Rate History: 1.50% → 2.00% |
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1.25% |
$500 |
20.32 |
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1.02% |
$500 |
15.59 |
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Rate History: 1.28% → 1.02% |
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0.85% |
$500 |
22.58 |
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0.55% |
$25 |
19.13 |
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Rate History: 1.00% → 0.55% |
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Incompetent and dishonest | Apr 21, 2020 Expect to not have e-mails responded to properly or phone calls returned. this is the type of institution that you will be dealing with if you go here Read More |
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0.50% |
$10,000 |
17.06 |
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0.50% |
$10,000 |
24.19 |
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0.50% |
$10,000 |
15.57 |
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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 |
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0.25% |
$10 |
7.23 |
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0.05% |
$10,000 |
14.28 |
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Rate History: 4.75% → 0.01% → 0.05% |
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Seeko | Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More |
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0.03% |
$100,000 |
15.98 |
Learn More
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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 |
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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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