Oklahoma

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Miami, Oklahoma CD Rates – 18-Month

You are viewing rates from banks across Miami





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

Miami, OK - August 2, 2025

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.20% → 4.15% → 4.05% → 4.20% → 4.15%

| 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: 0.20% → 2.55% → 2.45% → 2.30% → 2.05%

| May 29, 2020

Dua Read More

0.75%

$500

21.02

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0.65%

$10,000

13.79

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0.60%

$100,000

1.76

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0.55%

$10,000

22.21

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0.50%

$10,000

1.63

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| Jan 12, 2023

so really, I know that 0 real shits are given but the chance at persuading even a single person would make this worth my while and granted everyone's experience is not the same. I've been doing business ... Read More

0.35%

$100,000

11.87

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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

11.87

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0.25%

$10,000

1.76

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

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 Miami, OK - August 2, 2025


Branch Street City State
BOKF, National Association
Grove Branch
201 South Main Street Grove OK
Grand Savings Bank
Grand Savings Bank Branch
1022 South Main Street Grove OK
Security Bank and Trust Company
Afton Branch
1 S.W. First Street Afton OK
International Bank of Commerce
Miami Branch
2520 North Main Street Miami OK
Bank of Grand Lake
Bank Of Grand Lake Branch
201 East 18th Street Grove OK
The City National Bank and Trust Company of Lawton, Oklahoma
Miami Branch
2415 N Main Street Miami OK
The First National Bank and Trust Company of Miami
1749 North Main Street Branch
1749 North Main Street Miami OK
Welch State Bank of Welch, Okla.
Welch State Bank Of Welch, Okla. Branch
396 S Commercial Street Welch OK
Welch State Bank of Welch, Okla.
Welch State Bank Of Welch, Okla. Branch
396 S Commercial Street Welch OK
International Bank of Commerce
Miami Branch
2520 North Main Street Miami OK


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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