Mississippi

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Southaven, Mississippi CD Rates – 18-Month

You are viewing rates from banks across Southaven





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

Southaven, MS - 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

| 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

| 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

1.00%

$10,000

23.89

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0.75%

$10,000

1.64

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| Oct 23, 2022

Unity bank of ms absolutely sucks...my paycheck is deposited on Friday butt they hold it till Monday never. Had that with any other bank.... Read More

0.38%

$100,000

10.12

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| Nov 4, 2020

Transfer cds to checking. Trustmark Madison ok, Not, 6 figures deposit lost for 6 days they say due to scanner error. Then when we go to branch office mgr. all huffy tht error upset because of their mist... Read More

0.35%

$10,000

8.62

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0.35%

$10,000

0.61

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0.33%

$10,000

10.12

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0.27%

$100,000

19.59

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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

| Mar 25, 2019

CDs shown are not offered in Knoxville area Read More

0.22%

$10,000

19.59

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0.20%

$10,000

0.65

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0.20%

$10,000

1.24

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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

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 Southaven, MS - August 1, 2025


Branch Street City State
Wells Fargo Bank, National Association
Southaven Branch
485 Goodman Road E Southaven MS
First Financial Bank
Senatobia Branch
700 N Robinson St Senatobia MS
FIRST COMMERCIAL BANK
Desot County Bank Branch
6040 Highway 51 North Horn Lake MS
Unity Bank of Mississippi
Byhalia Branch
523 Highway 309 South Byhalia MS
Guaranty Bank and Trust Company
Panola Street Branch
2600 Panola Street Hernando MS
Trustmark National Bank
Horn Lake Branch
2475 Goodman Road Horn Lake MS
Southern Bancorp Bank
Hernando Branch
970 Byhalia Road Hernando MS
FSNB, National Association
Southaven Branch
6811 Southcrest Pkwy Southaven MS
Guaranty Bank and Trust Company
Panola Street Branch
2600 Panola Street Hernando MS
First Security Bank
Robinsonville Branch
11490 Old Highway 61 North Robinsonville MS
Renasant Bank
Horn Lake Branch
3082 West Goodman Road Horn Lake MS
First Security Bank
Robinsonville Branch
11490 Old Highway 61 North Robinsonville MS
Community Bank of Mississippi
Southaven Branch
6910 Airways Blvd Southaven MS
The Citizens National Bank of Meridian
Southaven Banking Centre Branch
6296 Airways Boulevard Southaven MS
Regions Bank
Bullfrog Corner Branch
1463 Goodman Road Horn Lake MS
Regions Bank
Bullfrog Corner Branch
1463 Goodman Road Horn Lake MS


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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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