New Hampshire

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Concord, New Hampshire CD Rates – 18-Month

You are viewing rates from banks across Concord





Below are eighteen-month Certificates of Deposit (CD) rates from banks in Concord, New Hampshire . 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.

Concord, NH - 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

Early Withdrawal Penalty is all interest earned.
Rate History: 4.25% → 4.00% → 3.50% → 3.00%

| Mar 30, 2021

These guys are the best local bank. Very responsive. Read More

Rate History: 4.50% → 1.00% → 4.00% → 1.00%

| May 19, 2018

Experience Read More

0.60%

$10,000

24.92

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0.40%

$10,000

2.29

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0.40%

$10,000

18.70

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0.40%

$10,000

16.21

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0.35%

$10,000

11.20

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0.35%

$10,000

24.83

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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

21.56

Learn More

| 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

| Nov 1, 2021

worst bank ever and they racist ruth bitchell and the rest of them ban frontline workers that complain about their mistakes this only happens to blacks 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 Concord, NH - August 1, 2025


Branch Street City State
Primary Bank
Primary Bank Branch
207 Route 101 Bedford NH
TD Bank, National Association
Hillsboro Branch
11 School Street Hillsboro NH
Enterprise Bank and Trust Company
Derry Nh Branch
47 Crystal Avenue Derry NH
Mascoma Bank
Mascoma Savings Bank Branch
Kelly's Foodtown, 347 Main Street Franconia NH
Bank of New England
Bedford Branch
177 South River Road Bedford NH
NBT Bank, National Association
Manchester Branch
80 Canal Street Manchester NH
Merrimack County Savings Bank
Contoocook Branch
35 Kearsarge Avenue Contoocook NH
Meredith Village Savings Bank
Gilford Branch
1383 Lakeshore Road Gilford NH
Bar Harbor Bank & Trust
Andover Branch
7 Lawrence Street Andover NH
Eastern Bank
Concord Branch
11 South Main Street Concord NH
Bank of America, National Association
Alvirne High School Branch
Alvirne High School Vocational Education Center Hudson NH


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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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