Maine

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Biddeford, Maine CD Rates – 18-Month

You are viewing rates from banks across Biddeford





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

Biddeford, ME - August 1, 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

| 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: 4.50% → 1.00% → 4.00% → 1.00%

| May 19, 2018

Experience Read More

0.55%

$10,000

16.18

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0.55%

$10,000

16.43

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0.50%

$10,000

1.61

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0.50%

$10,000

13.96

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0.40%

$10,000

17.92

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0.40%

$10,000

16.14

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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

8.99

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0.20%

$10,000

24.50

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0.20%

$10,000

20.82

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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

0.15%

$10,000

17.74

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Rate History: 4.75% → 0.01% → 0.05%

| 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

| 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 Biddeford, ME - August 1, 2025


Branch Street City State
TD Bank, National Association
Sanford- 1237 Main St. Branch
1237 Main Street Sanford ME
Machias Savings Bank
Portland Branch
2 Union Street Suite 301 Portland ME
Androscoggin Savings Bank
Portland Branch
130 Middle Street Portland ME
Saco & Biddeford Savings Institution
Biddeford Branch
160 Shops Way Biddeford ME
Maine Community Bank
Waterboro Branch
846 Main Street Waterboro ME
Partners Bank of New England
Springvale Branch
484 Main Street Springvale ME
NBT Bank, National Association
Main Regional Headquarters Branch
254 Commercial Street Portland ME
Katahdin Trust Company
Scarborough Branch
144 Us Route 1 Scarborough ME
The Camden National Bank
York Branch
659 Route 1 York ME
Norway Savings Bank
Standish Branch
88 Ossippee Trail East Standish ME
Bath Savings Institution
Portland Branch
46 Auburn Street Portland ME
KeyBank National Association
Springvale Branch
471 Main Street Springvale ME
Bank of America, National Association
South Sanford Branch
1364 Main Street Sanford ME


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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