Best 18-Month CD Rates in Walker, Michigan, MI

You are viewing rates from banks across Walker

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

Walker, MI - August 2, 2025

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
First National Bank of America First National Bank Of America Branch	4.34%	$1,000	-	Learn More
Rate History: 4.40% → 5.00% → 5.15% → 4.51% → 4.34%
VINCEMUNIZ@Q.COM \| Oct 16, 2020 HAVE BEEN CALLING YOUR MORTGAGE DEPARTMENT ON "ITIN" LOANS AND HAVE NOT GOT A HUMAN PERSON TO ANSWER OR RETURN MY PHONE CALLS. WHAT IS HAPPEN? PLEASE ADVISE. THANK YOU, Read More Reviews (1)
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
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
Nicolet National Bank Menominee Branch	4.00% 3.75%	$2,500 $2,501	-	Learn More
Rate History: 3.60% → 3.75% → 4.00% → 4.10% → 4.00%
Jim Doe \| Oct 12, 2022 Service has always been satisfactory. They have my complete trust and endorsement. Great bank in my opinion. Read More Reviews (2)
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
Mercantile Bank South Main Branch	3.55%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.55%
Wells Fargo Bank, National Association Wells Fargo Bank, National Association Branch	3.50%	$5,000	-	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)
Northpointe Bank Northpointe Bank Branch	3.25%	$1,000	-	Learn More
Rate History: 1.25% → 1.50% → 1.25% → 3.25%
pagehelen2@gmail.com \| Mar 10, 2021 Northpointe -- my most favorite bank -- held their rate when others dropped -- nice people to deal with -- and -- COURAGE + INTEGRITY. Read More Reviews (4)
IncredibleBank Iron Mountain Branch	3.03%	$1,000	-	Learn More Add Review
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
JPMorgan Chase Bank, National Association Main Washington Branch	2.00%	$10,000	-	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)
The First National Bank of St. Ignace The First National Bank Of St. Ignac Branch	1.06%	$100,000	-	Learn More Add Review
The State Savings Bank of Manistique The State Savings Bank Of Manistique Branch	0.75%	$1,000	-	Learn More Add Review
The First National Bank of St. Ignace The First National Bank Of St. Ignac Branch	0.75%	$10,000	-	Learn More Add Review
Superior National Bank & Trust Company Superior National Bank & Trust Compa Branch	0.60%	$100,000	-	Learn More Add Review
Baybank Baybank Branch	0.60%	$10,000	-	Learn More Add Review
Homestead Savings Bank Homestead Savings Bank Branch	0.60%	$10,000	-	Learn More Add Review
Northern Interstate Bank, N. A. Northern Interstate Bank, N. A. Branch	0.55%	$1,000	-	Learn More
blueangel \| Jan 6, 2020 Worst customer experience ever. Had a issue with a fee that should not have been there because i had a checking and savings account. I was told once i signed up for checking that if they needed, they woul... Read More Reviews (1)
First Bank, Upper Michigan First Bank, Upper Michigan Branch	0.55%	$10,000	-	Learn More Add Review
Upper Peninsula State Bank Upper Peninsula State Bank Branch	0.55%	$10,000	-	Learn More Add Review
Union Bank Union Bank Branch	0.55%	$10,000	-	Learn More Add Review
The First National Bank & Trust Company of Iron Mountain North Menomine Branch	0.50%	$1,000	-	Learn More Add Review
Capitol National Bank Capitol National Bank Branch	0.50%	$500	-	Learn More Add Review
Superior National Bank & Trust Company Superior National Bank & Trust Compa Branch	0.50%	$10,000	-	Learn More Add Review
Peoples State Bank of Munising Peoples State Bank Of Munising Branch	0.50%	$10,000	-	Learn More Add Review
Central Savings Bank Central Savings Bank Branch	0.50%	$100	-	Learn More Add Review
Huron National Bank Huron National Bank Branch	0.50%	$10,000	-	Learn More Add Review
Kalamazoo County State Bank Kalamazoo County State Bank Branch	0.45%	$10,000	-	Learn More Add Review
Range Bank, National Association Range Bank, National Association Branch	0.45%	$10,000	-	Learn More Add Review
Highpoint Community Bank Middleville Branch	0.45%	$100,000	-	Learn More Add Review
First State Bank of Decatur First State Bank Of Decatur Branch	0.45%	$10,000	-	Learn More Add Review
Liberty Bank and Trust Company 9108 Woodward Avenue Branch	0.43%	$10,000	-	Learn More Add Review
The Citizens State Bank of Ontonagon The Citizens State Bank Of Ontonagon Branch	0.40%	$10,000	-	Learn More Add Review
West Shore Bank West Shore Bank Branch	0.40%	$10,000	-	Learn More Add Review
Isabella Bank Isabella Bank Branch	0.40%	$10,000	-	Learn More Add Review
Highpoint Community Bank Middleville Branch	0.40%	$10,000	-	Learn More Add Review
Blissfield State Bank Blissfield State Bank Branch	0.35%	$1,000	-	Learn More Add Review
Charlevoix State Bank Charlevoix State Bank Branch	0.35%	$10,000	-	Learn More Add Review
Alden State Bank Alden State Bank Branch	0.35%	$10,000	-	Learn More Add Review
Lake-Osceola State Bank Lake-Osceola State Bank Branch	0.35%	$10,000	-	Learn More Add Review
United Bank of Michigan United Bank Of Michigan Branch	0.35%	$10,000	-	Learn More Add Review
First National Bank of Michigan First National Bank Of Michigan Branch	0.35%	$100,000	-	Learn More Add Review
CIBC Bank USA Privatebank Michigan Branch	0.35%	$100,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
Horizon Bank Horizon Bank, National Association Branch	0.30%	$10,000	-	Learn More Add Review
Bay Port State Bank Bay Port State Bank Branch	0.30%	$100,000	-	Learn More Add Review
Oxford Bank Oxford Bank Branch	0.30%	$10,000	-	Learn More
Gloria Borchman \| Jul 3, 2023 My niece and I have been customers of the Addison Oaks branch of Oxford Bank for 20 years. My niece is on my accounts and has a separate account of her own. We have performed the same transactions for 20... Read More Reviews (1)
CIBC Bank USA Privatebank Michigan Branch	0.30%	$10,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
The First National Bank of Wakefield The First National Bank Of Wakefield Branch	0.28%	$10,000	-	Learn More Add Review
1st Source Bank St Joseph Lakeshore Branch	0.27%	$500	-	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
Bank of Ann Arbor Bank Of Ann Arbor Branch	0.25%	$10,000	-	Learn More Add Review
State Savings Bank State Savings Bank, Frankfort, Mich. Branch	0.25%	$10,000	-	Learn More Add Review
The Shelby State Bank Hesperia Branch	0.25%	$10,000	-	Learn More Add Review
First National Bank of Michigan First National Bank Of Michigan Branch	0.25%	$10,000	-	Learn More Add Review
Mayville State Bank Mayville State Bank Branch	0.25%	$10,000	-	Learn More Add Review
University Bank University Bank Branch	0.20%	$500	-	Learn More Add Review
1st State Bank 1st State Bank Branch	0.20%	$500	-	Learn More Add Review
Huron Community Bank Huron Community Bank Branch	0.20%	$10,000	-	Learn More Add Review
Thumb Bank and Trust Thumb Bank And Trust Branch	0.20%	$10,000	-	Learn More
J Geiger \| Jun 14, 2022 Compliance officer possibly the rudest person ive every spoken with. Polices changing constantly. One week they do what you need the next week they wont. Complete mess. Not the old Thumb National rude and ... Read More Reviews (1)
Bay Port State Bank Bay Port State Bank Branch	0.20%	$10,000	-	Learn More Add Review
Century Bank and Trust Century Bank And Trust Branch	0.20%	$10,000	-	Learn More Add Review
First State Bank First State Bank Branch	0.20%	$10,000	-	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
Southern Michigan Bank & Trust Southern Michigan Bank & Trust Branch	0.15%	$500	-	Learn More Add Review
Tri-County Bank Tri-County Bank Branch	0.15%	$500	-	Learn More Add Review
Honor Bank Honor Bank Branch	0.15%	$10,000	-	Learn More Add Review
ChoiceOne Bank Choiceone Bank Branch	0.15%	$10,000	-	Learn More
Savvy \| Jul 17, 2020 Terrible experience trying to get a mortgage. I’ve got great credit, have gotten literally dozens of mortgages over the past 40 years. I completed an online application, waited a week and never heard a... Read More Reviews (2)
Macatawa Bank Grand Rapids Downtown Branch	0.15%	$10,000	-	Learn More Add Review
Old National Bank United Bank & Trust Branch	0.15%	$10,000	-	Learn More
jefflockwoodlaw2288@gmail.com \| Jul 18, 2021 I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More Reviews (2)
Eastern Michigan Bank Eastern Michigan Bank Branch	0.15%	$10,000	-	Learn More Add Review
Chelsea State Bank Chelsea State Bank Branch	0.15%	$10,000	-	Learn More Add Review
KeyBank National Association Saline Main Branch	0.05%	$10,000	-	Learn More
Rate History: 4.75% → 0.01% → 0.05%
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 Reviews (2)
PNC Bank, National Association Alpena Branch	0.03%	$25,000	-	Learn More
GAM \| 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 Reviews (1)
Bank of America, National Association 28th/Michael Branch	0.03%	$100,000	-	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 zip 10007

Branch	Street	City	State
First National Bank of America First National Bank Of America Branch	241 East Saginaw	East Lansing	MI
Nicolet National Bank Menominee Branch	1015 Tenth Avenue	Menominee	MI
Nicolet National Bank Menominee Branch	1015 Tenth Avenue	Menominee	MI
Mercantile Bank South Main Branch	102 South Main Street	Mt. Pleasant	MI
Wells Fargo Bank, National Association Wells Fargo Bank, National Association Branch	1205 Ludington Street	Escanaba	MI
Northpointe Bank Northpointe Bank Branch	3333 Deposit Drive Ne	Grand Rapids	MI
IncredibleBank Iron Mountain Branch	101 West B Street	Iron Mountain	MI
JPMorgan Chase Bank, National Association Main Washington Branch	125 South Main Street	Ann Arbor	MI
The First National Bank of St. Ignace The First National Bank Of St. Ignac Branch	132 North State Street	St. Ignace	MI
The State Savings Bank of Manistique The State Savings Bank Of Manistique Branch	101 South Cedar	Manistique	MI
The First National Bank of St. Ignace The First National Bank Of St. Ignac Branch	132 North State Street	St. Ignace	MI
Superior National Bank Superior National Bank & Trust Compa Branch	235 Quincy Street	Hancock	MI
Baybank Baybank Branch	104 South Tenth Street	Gladstone	MI
Homestead Savings Bank Homestead Savings Bank Branch	415 South Superior Street	Albion	MI
Northern Interstate Bank, N. A. Northern Interstate Bank, N. A. Branch	501 West Us 2	Norway	MI
First Bank, Upper Michigan First Bank, Upper Michigan Branch	1400 Delta Avenue	Gladstone	MI
Upper Peninsula State Bank Upper Peninsula State Bank Branch	430 North Lincoln Road	Escanaba	MI
Union Bank Union Bank Branch	933 4th Avenue	Lake Odessa	MI
First National Bank & Trust Co. North Menomine Branch	3805 Tenth Avenue	Menominee	MI
Capitol National Bank Capitol National Bank Branch	200 Washington Square North	Lansing	MI
Superior National Bank Superior National Bank & Trust Compa Branch	235 Quincy Street	Hancock	MI
Peoples State Bank of Munising Peoples State Bank Of Munising Branch	100 East Superior Street	Munising	MI
Central Savings Bank Central Savings Bank Branch	511 Bingham Avenue	Sault Sainte Marie	MI
Huron State Bank Huron National Bank Branch	200 East Erie	Rogers City	MI
Kalamazoo County State Bank Kalamazoo County State Bank Branch	223 N Grand Street	Schoolcraft	MI
Range Bank Range Bank, National Association Branch	100 North Front Street	Marquette	MI
Highpoint Community Bank Middleville Branch	435 Arlington Street	Middleville	MI
First State Bank of Decatur First State Bank Of Decatur Branch	124 Phelps Street	Decatur	MI
Liberty Bank and Trust Company 9108 Woodward Avenue Branch	9108 Woodward Ave	Detroit	MI
Citizens State Bank The Citizens State Bank Of Ontonagon Branch	501 River Street	Ontonagon	MI
West Shore Bank West Shore Bank Branch	201 West Loomis Street	Ludington	MI
Isabella Bank Isabella Bank Branch	200 East Broadway	Mount Pleasant	MI
Highpoint Community Bank Middleville Branch	435 Arlington Street	Middleville	MI
Blissfield State Bank Blissfield State Bank Branch	204 East Jefferson	Blissfield	MI
Charlevoix State Bank Charlevoix State Bank Branch	111 State Street	Charlevoix	MI
Alden State Bank Alden State Bank Branch	Coy And Helena Streets	Alden	MI
Lake-Osceola State Bank Lake-Osceola State Bank Branch	790 North Michigan Avenue	Baldwin	MI
United Bank of Michigan United Bank Of Michigan Branch	900 East Paris Avenue, S.E.	Grand Rapids	MI
First National Bank of Michigan First National Bank Of Michigan Branch	348 West Michigan Avenue	Kalamazoo	MI
CIBC Bank USA Privatebank Michigan Branch	38505 Woodward Avenue, Suite 1300	Bloomfield Hills	MI
Horizon Bank Horizon Bank, National Association Branch	123 Portage Avenue	Three Rivers	MI
Bay Port State Bank Bay Port State Bank Branch	9840 Main Street	Bay Port	MI
Oxford Bank Oxford Bank Branch	60 South Washington Street	Oxford	MI
CIBC Bank USA Privatebank Michigan Branch	38505 Woodward Avenue, Suite 1300	Bloomfield Hills	MI
The First National Bank of Wakefield The First National Bank Of Wakefield Branch	401 Sunday Lake Street	Wakefield	MI
1st Source Bank St Joseph Lakeshore Branch	4009 Red Arrow Highway	Saint Joseph	MI
Bank of Ann Arbor Bank Of Ann Arbor Branch	125 South Fifth Avenue	Ann Arbor	MI
State Savings Bank State Savings Bank, Frankfort, Mich. Branch	703 Main Street	Frankfort	MI
The Shelby State Bank Hesperia Branch	180 North Division Avenue	Hesperia	MI
First National Bank of Michigan First National Bank Of Michigan Branch	348 West Michigan Avenue	Kalamazoo	MI
Mayville State Bank Mayville State Bank Branch	6104 Fulton	Mayville	MI
University Bank University Bank Branch	2015 Washtenaw Avenue	Ann Arbor	MI
1st State Bank 1st State Bank Branch	4800 Fashion Square Boulevard, Suite 100	Saginaw	MI
Huron Community Bank Huron Community Bank Branch	301 North Newman Street	East Tawas	MI
Thumb Bank and Trust Thumb Bank And Trust Branch	7254 Michigan Avenue	Pigeon	MI
Bay Port State Bank Bay Port State Bank Branch	9840 Main Street	Bay Port	MI
Century Bank and Trust Century Bank And Trust Branch	100 West Chicago Street	Coldwater	MI
First State Bank First State Bank Branch	16100 9 Mile Road	Eastpointe	MI
Southern Michigan Bank & Trust Southern Michigan Bank & Trust Branch	45-51 West Pearl Street	Coldwater	MI
Tri-County Bank Tri-County Bank Branch	4222 Main Street	Brown City	MI
Honor Bank Honor Bank Branch	2254 Henry Street	Honor	MI
ChoiceOne Bank Choiceone Bank Branch	109 East Division	Sparta	MI
Macatawa Bank, National Association Grand Rapids Downtown Branch	126 Ottawa Avenue, N.W.	Grand Rapids	MI
Old National Bank United Bank & Trust Branch	2723 South State Street	Ann Arbor	MI
Eastern Michigan Bank Eastern Michigan Bank Branch	65 North Howard Avenue	Croswell	MI
Chelsea State Bank Chelsea State Bank Branch	1010 South Main Street	Chelsea	MI
KeyBank National Association Saline Main Branch	100 West Michigan Avenue	Saline	MI
PNC Bank, National Association Alpena Branch	122 North Second Avenue	Alpena	MI
Bank of America, National Association 28th/Michael Branch	1212 28th Street, Southwest	Wyoming	MI

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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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Walker, Michigan CD Rates – 18-Month

Branches Info around zip 10007

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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