Best 18-Month CD Rates in Kiryas Joel, New York, NY

You are viewing rates from banks across Kiryas Joel

Below are eighteen-month Certificates of Deposit (CD) rates from banks in Kiryas Joel, New York . 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.

Kiryas Joel, NY - August 1, 2025

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
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)
Finworth, a division of InsBank New York Branch	4.20%	$50,000	-	Learn More Add Review
Early Withdrawal Penalty is 8 months interest. Rate History: 4.50% → 3.75% → 3.85% → 4.30% → 4.20%
Geoffrey Christopher 1 \| Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More
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
M.Y. Safra Bank M.Y. Safra Bank, Fsb Branch	4.05%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.20% → 3.00% → 4.85%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
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
First Central Savings Bank First Central Savings Bank Branch	4.00%	$500	-	Learn More Add Review
Rate History: 1.00% → 4.00%
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
Citibank, National Association Baybridge Branch	3.75%	$0	-	Learn More
Rate History: 3.75% → 2.45% → 3.85% → 4.00% → 3.75%
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
Empire State Bank Empire State Bank Branch	3.75%	$1,000	-	Learn More
Rate History: 4.50% → 3.00% → 4.50% → 4.00% → 3.75%
Papa \| Jul 31, 2020 Reduced savings rate from 1.88% to .75% a day after I deposited a substantial amount of money and no notice given or reduction in rate told to me Read More Reviews (1)
New Millennium Bank Bayside Branch	3.75%	$500	-	Learn More Add Review
Rate History: 4.85% → 4.50% → 4.00% → 4.20% → 3.75%
Capital One, National Association Capital One, National Association Branch	3.70%	$0	-	Learn More
Rate History: 4.45% → 4.25% → 3.90% → 3.80% → 3.70%
highstream \| 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 Reviews (14)
Ballston Spa National Bank Ballston Spa National Bank Branch	3.62% 0.45%	$501 $500	-	Learn More Add Review
Rate History: 3.57% → 3.47% → 3.62% → 3.81% → 3.62%
Bank of Hope Bank Of Hope Branch	3.60% 0.30%	$250,000 $1,000	-	Learn More
Rate History: 3.95% → 4.10% → 3.80% → 3.79% → 3.60%
NORTY FLATZ \| Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More Reviews (1)
Ponce Bank Ponce Bank Branch	3.60%	$1,000	-	Learn More Add Review
Rate History: 4.50% → 4.75% → 4.27% → 3.60%
Ridgewood Savings Bank Ridgewood Savings Bank Branch	3.55%	$100	-	Learn More
Rate History: 5.00% → 5.05% → 4.15% → 4.10% → 3.55%
an \| Apr 25, 2022 We would not be having all this trouble with people sealing money out of other people's bank accounts if we were to just stop using fancy banking like onlinebanki Read More Reviews (5)
LendingClub Motor Parkway Branch	3.50%	$2,500	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.90% → 4.75% → 4.40% → 3.75% → 3.50%
overdrawn \| Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More Reviews (21)
Wells Fargo Bank, National Association Peekskill 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)
Solvay Bank Solvay Bank Branch	3.50%	$500	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 4.25% → 4.00% → 3.50%
Spring Bank Bronx Branch - Main Headquarters	3.50%	$250	-	Learn More Add Review
Rate History: 5.00% → 4.00% → 3.50%
Cross County Savings Bank Cross County Savings Bank Branch	3.45%	$500	-	Learn More Add Review
Rate History: 3.45% → 3.35% → 3.50% → 3.45%
Maspeth Federal Savings and Loan Association Maspeth Federal Savings And Loan Ass Branch	3.35%	$1,500	-	Learn More Add Review
Rate History: 5.00% → 5.50% → 4.25% → 3.35%
Apple Bank for Savings Westchester Square Branch	3.25%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 3.25%
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
Hanover Community Bank Hanover Community Bank Branch	3.00%	$500	-	Learn More
Rate History: 3.00% → 4.00% → 3.50% → 3.25% → 3.00%
Douglas H \| Feb 5, 2020 The employees of this bank are helpful but the bank's systems and procedures for obtaining your account information STINK. If you want a bank that provides you quarterly (or even annual) statements by mai... Read More Reviews (2)
Habib American Bank Habib American Bank Branch	3.00%	$1,500	-	Learn More
Rate History: 2.65% → 3.00%
Ryan \| Feb 13, 2018 Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... Read More Reviews (2)
M.Y. Safra Bank M.Y. Safra Bank, Fsb Branch	2.75%	$0	-	Learn More
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Genesee Regional Bank Genesee Regional Bank Branch	2.25%	$500	-	Learn More Add Review
Rate History: 1.00% → 2.25%
Kearny Bank Brooklyn Branch	2.25%	$500	-	Learn More Add Review
JPMorgan Chase Bank, National Association Morgan Guar. Tr. Co. Of Ny 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)
International Bank of Chicago Port Jervis New York Branch	1.75%	$1,000	-	Learn More
Rate History: 2.00% → 1.75%
Mandy \| May 8, 2021 Location: 5069 N. Broadway Chicago IL 60640 Read More Reviews (5)
PCB Bank Bayside Office Branch	1.51%	$1,000	-	Learn More Add Review
Champlain National Bank Champlain National Bank Branch	1.51%	$500	-	Learn More Add Review
Rate History: 1.50% → 1.51%
United Orient Bank United Orient Bank Branch	1.25%	$500	-	Learn More Add Review
Ulster Savings Bank Ulster Savings Bank Branch	1.03%	$10,000	-	Learn More Add Review
TD Bank, National Association Central Valley Branch	1.00%	$10,000	-	Learn More
Rate History: 4.50% → 1.00% → 4.00% → 1.00%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
TrustCo Bank Tanners Main Branch	0.92%	$500	-	Learn More
Rate History: 0.10% → 4.25% → 1.50% → 0.92%
Mark Fitzpatrick \| Apr 4, 2016 I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... Read More Reviews (1)
Rhinebeck Bank Rhinebeck Bank Branch	0.85%	$10,000	-	Learn More
Customer 12603 \| Nov 26, 2018 This is a terrible bank. The employees are rude and do not care. The auto lender ratio is very high, which could affect their bottom number. Don’t use this bank, there are other stable banks in the area ... Read More Reviews (1)
Wallkill Valley Federal Savings and Loan Association Walden Branch	0.76%	$500	-	Learn More Add Review
Geddes Federal Savings and Loan Association Geddes Federal Savings And Loan Asso Branch	0.70%	$10,000	-	Learn More Add Review
Hamlin Bank and Trust Company Olean Branch	0.70%	$10,000	-	Learn More Add Review
Amerasia Bank Amerasia Bank Branch	0.66%	$10,000	-	Learn More
Chang \| Aug 19, 2021 Best Service! Read More Reviews (3)
BNB Bank Bnb Bank Branch	0.65%	$10,000	-	Learn More Add Review
The Delaware National Bank of Delhi The Delaware National Bank Of Delhi Branch	0.65%	$10,000	-	Learn More Add Review
Hanmi Bank Manhattan Branch	0.65%	$100,000	-	Learn More Add Review
Global Bank Global Bank Branch	0.65%	$10,000	-	Learn More Add Review
Pioneer Bank Pioneer Savings Bank Branch	0.60%	$10,000	-	Learn More Add Review
Rondout Savings Bank Rondout Savings Bank Branch	0.60%	$10,000	-	Learn More
pessy \| May 22, 2023 The Bank Rondout Savings Bank is SCAM and bad company This is horrible bank , the loans insisted that I must come in the office before they will review my application for loan. But Everything is done onli... Read More Reviews (2)
Walden Savings Bank Walden Savings Bank Branch	0.60%	$10,000	-	Learn More Add Review
Metropolitan Commercial Bank Metropolitan Commercial Bank Branch	0.60%	$10,000	-	Learn More Add Review
Alma Bank Alma Bank Branch	0.60%	$10,000	-	Learn More Add Review
First Citizens Community Bank Wellsville Branch	0.55%	$100,000	-	Learn More Add Review
Carthage Federal Savings and Loan Association Carthage Federal Savings And Loan As Branch	0.50%	$10,000	-	Learn More Add Review
Berkshire Bank Little Falls Branch	0.50%	$10,000	-	Learn More
Run \| Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read More Reviews (2)
PCSB Bank Pcsb Bank Branch	0.50%	$10,000	-	Learn More Add Review
Citizens & Northern Bank Main St Branch	0.50%	$100,000	-	Learn More Add Review
Peoples Security Bank and Trust Company Conklin Branch	0.50%	$1,000	-	Learn More Add Review
Rate History: 0.25% → 0.50%
The Bank of Greene County The Bank Of Greene County Branch	0.50%	$10,000	-	Learn More Add Review
Carver Federal Savings Bank Carver Federal Savings Bank Branch	0.50%	$10,000	-	Learn More Add Review
Hanmi Bank Manhattan Branch	0.50%	$10,000	-	Learn More Add Review
Industrial and Commercial Bank of China USA, National Association Industrial And Commercial Bank Of China Usa, National Association Branch	0.50%	$100,000	-	Learn More Add Review
The Putnam County National Bank of Carmel The Putnam County National Bank Of C Branch	0.48%	$10,000	-	Learn More Add Review
The First National Bank of Groton The First National Bank Of Groton Branch	0.45%	$100,000	-	Learn More Add Review
CNB Bank Electric Tower Branch	0.43%	$10,000	-	Learn More Add Review
NBT Bank, National Association Canajoharie Branch	0.40%	$10,000	-	Learn More Add Review
Tioga State Bank Tioga State Bank Branch	0.40%	$10,000	-	Learn More Add Review
Jeff Bank Jeff Bank Branch	0.40%	$100,000	-	Learn More Add Review
Bank of Millbrook Bank Of Millbrook Branch	0.40%	$10,000	-	Learn More Add Review
Industrial and Commercial Bank of China USA, National Association Industrial And Commercial Bank Of China Usa, National Association Branch	0.40%	$10,000	-	Learn More Add Review
Watertown Savings Bank Watertown Savings Bank Branch	0.36%	$10,000	-	Learn More Add Review
The First National Bank of Groton The First National Bank Of Groton Branch	0.35%	$1,000	-	Learn More Add Review
The Upstate National Bank The Upstate National Bank Branch	0.35%	$100,000	-	Learn More Add Review
Five Star Bank Bank Of Avoca Branch	0.35%	$500	-	Learn More
Delores Thompson, FD Investments - Rochester, NY \| Aug 1, 2016 Currently looking for a list of non- performing loans on properties in the Western, New York area. Not sure where to obtain this information from Five Star, but if you would forward this request to the cor... Read More Reviews (1)
Alden State Bank Alden State Bank Branch	0.35%	$500	-	Learn More Add Review
Savannah Bank National Association Savannah Bank National Association Branch	0.35%	$10,000	-	Learn More Add Review
The Berkshire Bank Goshen Savings Bank Branch	0.35%	$10,000	-	Learn More Add Review
Metro City Bank Bayside Branch	0.33%	$1,000	-	Learn More
thedon \| Mar 29, 2020 have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More Reviews (1)
Cathay Bank Flushing Roosevelt Branch	0.30%	$50,000	-	Learn More Add Review
Pathfinder Bank Pathfinder Bank Branch	0.30%	$10,000	-	Learn More Add Review
The Lyons National Bank The Lyons National Bank Branch	0.30%	$10,000	-	Learn More
william bridson \| Apr 5, 2024 need to deposit loose change Read More Reviews (1)
First Citizens Community Bank Wellsville Branch	0.30%	$10,000	-	Learn More Add Review
Citizens & Northern Bank Main St Branch	0.30%	$10,000	-	Learn More Add Review
Wayne Bank Callicoon Branch	0.30%	$10,000	-	Learn More
MoonShadows Farm \| Jan 26, 2024 I have been with Wayne Bank for almost 3 years after moving all of my accounts from Hells Fargo. Since then, I have had so many problems with depositing checks with my iPhone. (phone upgraded twice sinc... Read More Reviews (1)
Jeff Bank Jeff Bank Branch	0.30%	$1,000	-	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
Cayuga Lake National Bank Cayuga Lake National Bank Branch	0.25%	$100,000	-	Learn More Add Review
The First National Bank of Dryden The First National Bank Of Dryden Branch	0.25%	$10,000	-	Learn More
Robert Wilson \| Sep 13, 2018 I was going to open an account, but turned around and walked out when they told me it will take 90 Days to get my Debit Card? Really? 90 Days?? NO THANKS. I went to their Competitor!!! Read More Reviews (1)
Seneca Savings Seneca Savings Branch	0.25%	$10,000	-	Learn More Add Review
Shinhan Bank America Shinhan Bank America Branch	0.25%	$10,000	-	Learn More
Lori Kroko \| Mar 10, 2021 I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More Reviews (1)
KEB Hana Bank USA, National Association Fifth Avenue Branch	0.25%	$10,000	-	Learn More Add Review
Lake Shore Savings Bank Lake Shore Savings Bank Branch	0.20%	$500	-	Learn More Add Review
Adirondack Bank Adirondack Bank Branch	0.20%	$1,000	-	Learn More
Rate History: 3.25% → 0.20%
Ed \| Jan 5, 2018 BEWARE of their Home Equity Loan practices. Towards the end of the process, after you've complied with all their requests and are on the hook for lots of fees if you cancel, they demand that all of your cr... Read More Reviews (1)
Chemung Canal Trust Company Chemung Canal Trust Company Branch	0.20%	$10,000	-	Learn More Add Review
Cayuga Lake National Bank Cayuga Lake National Bank Branch	0.20%	$10,000	-	Learn More Add Review
Webster Bank, National Association Scarsdale Branch	0.20%	$10,000	-	Learn More Add Review
Northwest Bank Lakewood Branch	0.18%	$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
Cattaraugus County Bank Cattaraugus County Bank Branch	0.15%	$10,000	-	Learn More
Kimber0122 \| Jan 12, 2018 I've been with this bank for years; it used to be great, with good customer service that made up the for inconvenience of small-town banking with few locations. However, they recently switched to a new on... Read More Reviews (1)
The North Country Savings Bank The North Country Savings Bank Branch	0.10%	$500	-	Learn More Add Review
BankUnited, National Association Melville Ny Branch	0.10%	$1,000	-	Learn More Add Review
Community Bank, National Association Lowville State St Branch	0.10%	$100,000	-	Learn More Add Review
Tompkins Community Bank Tompkins Trust Company Branch	0.10%	$1,000	-	Learn More Add Review
East West Bank 77 Bowery Branch	0.10%	$10,000	-	Learn More
Bauhinia C \| Mar 15, 2023 Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More Reviews (2)
KeyBank National Association Amsterdam 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)
Community Bank, National Association Lowville State St Branch	0.05%	$10,000	-	Learn More Add Review
Cattaraugus County Bank Cattaraugus County Bank Branch	0.05%	$100,000	-	Learn More
Kimber0122 \| Jan 12, 2018 I've been with this bank for years; it used to be great, with good customer service that made up the for inconvenience of small-town banking with few locations. However, they recently switched to a new on... Read More Reviews (1)
PNC Bank, National Association 340 Madison Avenue 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 Fountain Plaza 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
Finworth, a division of InsBank New York Branch	1 Rockefeller Plaza	New York	NY
M.Y. Safra Bank M.Y. Safra Bank, Fsb Branch	499 Park Avenue	New York	NY
First Central Savings Bank First Central Savings Bank Branch	70 Glen Street	Glen Cove	NY
Citibank, National Association Baybridge Branch	502-512 86th St.	Brooklyn	NY
Empire State Bank Empire State Bank Branch	68 North Plank Road	Newburgh	NY
New Millennium Bank Bayside Branch	209-35 Northern Boulevard	Bayside	NY
Capital One, National Association Capital One, National Association Branch	54375 Main Road	Southold	NY
Ballston Spa National Bank Ballston Spa National Bank Branch	87 Front Street	Ballston Spa	NY
Bank of Hope Bank Of Hope Branch	11 West 32nd Street	New York	NY
Ponce Bank Ponce Bank Branch	2244 Westchester Avenue	Bronx	NY
Ridgewood Savings Bank Ridgewood Savings Bank Branch	7102 Forest Avenue	Ridgewood	NY
LendingClub Motor Parkway Branch	270 Motor Parkway	Hauppauge	NY
Wells Fargo Bank, National Association Peekskill Branch	920 South Street	Peekskill	NY
Solvay Bank Solvay Bank Branch	1537 Milton Avenue	Solvay	NY
Spring Bank Bronx Branch - Main Headquarters	69 East 167th Street	Bronx	NY
Cross County Savings Bank Cross County Savings Bank Branch	79-21 Metropolitan Avenue	Middle Village	NY
Maspeth Federal Savings and Loan Association Maspeth Federal Savings And Loan Ass Branch	56-18 69th St	Maspeth	NY
Apple Bank Westchester Square Branch	12 Westchester Square	Bronx	NY
Hanover Community Bank Hanover Community Bank Branch	2131 Jericho Turnpike	Garden City Park	NY
Habib American Bank Habib American Bank Branch	99 Madison Avenue	New York	NY
M.Y. Safra Bank M.Y. Safra Bank, Fsb Branch	499 Park Avenue	New York	NY
Genesee Regional Bank Genesee Regional Bank Branch	1850 South Winton Rd	Rochester	NY
Kearny Bank Brooklyn Branch	689 Fifth Ave	Brooklyn	NY
JPMorgan Chase Bank, National Association Morgan Guar. Tr. Co. Of Ny Branch	60 Wall Street	New York	NY
International Bank of Chicago Port Jervis New York Branch	2 West Main Street	Port Jervis	NY
PCB Bank Bayside Office Branch	220-34 And 220-36 Northern Blvd	Bayside	NY
Champlain National Bank Champlain National Bank Branch	7558 Us Route 9	Elizabethtown	NY
United Orient Bank United Orient Bank Branch	10 Chatham Square	New York	NY
Ulster Savings Bank Ulster Savings Bank Branch	180 Schwenk Drive	Kingston	NY
TD Bank, National Association Central Valley Branch	260 Route 32	Central Valley	NY
TrustCo Bank Tanners Main Branch	345 Main Street	Catskill	NY
Rhinebeck Bank Rhinebeck Bank Branch	6414 Montgomery Street	Rhinebeck	NY
Wallkill Valley Federal Savings and Loan Association Walden Branch	12-14 Main St	Walden	NY
Geddes Federal Savings and Loan Association Geddes Federal Savings And Loan Asso Branch	2208 West Genesee St	Syracuse	NY
Hamlin Bank and Trust Company Olean Branch	2102 West State Street	Olean	NY
Amerasia Bank Amerasia Bank Branch	41-06 Main Street	Flushing	NY
Dime Community Bank Bnb Bank Branch	2200 Montauk Highway	Bridgehampton	NY
The Delaware National Bank of Delhi The Delaware National Bank Of Delhi Branch	124 Main Street	Delhi	NY
Hanmi Bank Manhattan Branch	325 Fifth Avenue	New York	NY
Global Bank Global Bank Branch	8 Catherine Street	New York	NY
Pioneer Bank, National Association Pioneer Savings Bank Branch	652 Albany Shaker Road	Albany	NY
Rondout Savings Bank Rondout Savings Bank Branch	300 Broadway	Kingston	NY
Walden Savings Bank Walden Savings Bank Branch	15 Scotts Corners Drive	Montgomery	NY
Metropolitan Commercial Bank Metropolitan Commercial Bank Branch	99 Park Avenue	New York	NY
Alma Bank Alma Bank Branch	28-31 31st Street	Astoria	NY
First Citizens Community Bank Wellsville Branch	10 South Main Street	Wellsville	NY
Carthage Savings and Loan, National Association Carthage Federal Savings And Loan As Branch	313 State St	Carthage	NY
Berkshire Bank Little Falls Branch	One West Main Street	Little Falls	NY
PCSB Bank Pcsb Bank Branch	2477 Route 6	Brewster	NY
Citizens & Northern Bank Main St Branch	3 Main Street	Canisteo	NY
Peoples Security Bank and Trust Company Conklin Branch	1026 Conklin Road	Conklin	NY
The Bank of Greene County The Bank Of Greene County Branch	425 Main Street	Catskill	NY
Carver Federal Savings Bank Carver Federal Savings Bank Branch	75 West 125th Street	New York	NY
Hanmi Bank Manhattan Branch	325 Fifth Avenue	New York	NY
Industrial and Commercial Bank of China USA, National Association Industrial And Commercial Bank Of China Usa, National Association Branch	1633 Broadway	New York	NY
The Putnam County National Bank of Carmel The Putnam County National Bank Of C Branch	43 Gleneida Avenue	Carmel	NY
The First National Bank of Groton The First National Bank Of Groton Branch	159-163 Main Street	Groton	NY
Ballston Spa National Bank Ballston Spa National Bank Branch	87 Front Street	Ballston Spa	NY
CNB Bank Electric Tower Branch	535 Washington Street, Suite 101	Buffalo	NY
NBT Bank, National Association Canajoharie Branch	20 Mohawk Street	Canajoharie	NY
Tioga State Bank National Association Tioga State Bank Branch	1 Main Street	Spencer	NY
Jeff Bank Jeff Bank Branch	4864 State Route 52	Jeffersonville	NY
Bank of Millbrook Bank Of Millbrook Branch	3263 Franklin Avenue	Millbrook	NY
Industrial and Commercial Bank of China USA, National Association Industrial And Commercial Bank Of China Usa, National Association Branch	1633 Broadway	New York	NY
Watertown Savings Bank Watertown Savings Bank Branch	111 Clinton Street	Watertown	NY
The First National Bank of Groton The First National Bank Of Groton Branch	159-163 Main Street	Groton	NY
The Upstate National Bank The Upstate National Bank Branch	729 Proctor Ave	Ogdensburg	NY
Five Star Bank Bank Of Avoca Branch	19 South Main Street	Avoca	NY
Alden State Bank Alden State Bank Branch	13216 Broadway	Alden	NY
Savannah Bank National Association Savannah Bank National Association Branch	1565 Main Street	Savannah	NY
The Berkshire Bank Goshen Savings Bank Branch	2 South Church Street	Goshen	NY
Metro City Bank Bayside Branch	212-45 Northern Boulevard	Bayside	NY
Bank of Hope Bank Of Hope Branch	11 West 32nd Street	New York	NY
Cathay Bank Flushing Roosevelt Branch	135-34 Roosevelt Avenue	Flushing	NY
Pathfinder Bank Pathfinder Bank Branch	214 West First Street	Oswego	NY
The Lyons National Bank The Lyons National Bank Branch	35 Williams Street	Lyons	NY
First Citizens Community Bank Wellsville Branch	10 South Main Street	Wellsville	NY
Citizens & Northern Bank Main St Branch	3 Main Street	Canisteo	NY
Wayne Bank Callicoon Branch	5 River Road	Callicoon	NY
Jeff Bank Jeff Bank Branch	4864 State Route 52	Jeffersonville	NY
Cayuga Lake National Bank Cayuga Lake National Bank Branch	3 Cayuga Street	Union Springs	NY
The First National Bank of Dryden The First National Bank Of Dryden Branch	7 West Main Street	Dryden	NY
Seneca Savings Seneca Savings Branch	35 Oswego St	Baldwinsville	NY
Shinhan Bank America Shinhan Bank America Branch	330 Fifth Avenue, 4th Floor	New York	NY
Hana Bank USA, National Association Fifth Avenue Branch	309 5th Avenue	New York	NY
Lake Shore Savings Bank Lake Shore Savings Bank Branch	128 East 4th St	Dunkirk	NY
Adirondack Bank Adirondack Bank Branch	185 Genesee Street	Utica	NY
Chemung Canal Trust Company Chemung Canal Trust Company Branch	One Chemung Canal Plaza	Elmira	NY
Cayuga Lake National Bank Cayuga Lake National Bank Branch	3 Cayuga Street	Union Springs	NY
Webster Bank, National Association Scarsdale Branch	17 Popham Rd	Scarsdale	NY
Northwest Bank Lakewood Branch	311 East Fairmount Avenue	Lakewood	NY
Cattaraugus County Bank Cattaraugus County Bank Branch	116-20 Main Street	Little Valley	NY
The North Country Savings Bank The North Country Savings Bank Branch	127 Main Street	Canton	NY
BankUnited, National Association Melville Ny Branch	445 Broadhollow Road	Melville	NY
Community Bank, National Association Lowville State St Branch	7605 N State Street	Lowville	NY
Tompkins Community Bank Tompkins Trust Company Branch	110 North Tioga Street	Ithaca	NY
East West Bank 77 Bowery Branch	77 Bowery	New York	NY
KeyBank National Association Amsterdam Branch	6 Market Street	Amsterdam	NY
Community Bank, National Association Lowville State St Branch	7605 N State Street	Lowville	NY
Cattaraugus County Bank Cattaraugus County Bank Branch	116-20 Main Street	Little Valley	NY
PNC Bank, National Association 340 Madison Avenue Branch	340 Madison Avenue Branch	New York	NY
Bank of America, National Association Fountain Plaza Branch	10 Fountain Plaza	Buffalo	NY

See rates for Online Banks →

See rates for Credit Unions →

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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates

Cash Savings

Product:

Average Rate:

Best Rate:

Years at Rate:

Tax Rate:

CD Products by State

CD Products by City in New York

CD Resources

Download a Free eBook

Bank On It:
The No Risk Way To Boost Your Savings

Download

BestCashCow
Guide To Credit Card Travel Rewards

Download

65 Questions to Ask before Choosing a CD

Download

The Insider's Guide
to
Mortgages

Download

Plan and Optimize Your Finances

Kiryas Joel, New York 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:

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in New York

Download a Free eBook