Maryland

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Hagerstown, Maryland CD Rates – 18-Month

You are viewing rates from banks across Hagerstown





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

Hagerstown, MD - July 16, 2025

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

Rate History: 4.45% → 4.25% → 3.90% → 3.80% → 3.70%

| Jan 2, 2024

Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... 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

| Apr 12, 2019

United Bank in Front Royal does not know how to set up an inherited IRA. It took over two months to transfer it from Merrill Edge. Several mistakes were made. And then they did not title it correctly. T... Read More

| Jun 16, 2022

Customer service Very Good. Always available Read More

0.35%

$10,000

0.42

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0.25%

$500

0.78

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0.25%

$10,000

12.19

Learn More

| May 18, 2019

Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More

| 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

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 Hagerstown, MD - July 16, 2025


Branch Street City State
Capital One, National Association
Centre At Antietam/Hagerstown Branch
950 Dual Hwy Hagerstown MD
Wells Fargo Bank, National Association
Clemson Corner Branch
7860 Wormans Mill Road Frederick MD
United Bank
North Pointe Branch
18750 North Pointe Drive Hagerstown MD
Woodsboro Bank
Homewood At Crumland Farms Branch
7407 Willow Road Frederick MD
Orrstown Bank
Eastern Blvd Branch
1020 Professional Court Hagerstown MD
CNB Bank, Inc.
Cnb Bank At The Grand Branch
20 West Washington Street Suite 500 Hagerstown MD
Jefferson Security Bank
Sharpsburg Office Branch
103 West Main Street Sharpsburg MD
PNC Bank, National Association
Virginia Ave Branch
17708 Virginia Avenue Hagerstown MD
Bank of America, National Association
Frederick West Branch
1070 West Patrick Street Frederick MD


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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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