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Pearland, Texas CD Rates – 18-Month

You are viewing rates from banks across Pearland





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

Pearland, TX - July 31, 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

Early Withdrawal Penalty is 8 months interest.
Rate History: 4.50% → 3.75% → 3.85% → 4.30% → 4.20%

| 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

| 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

Rate History: 3.87% → 3.90%

| Aug 26, 2023

I have no issues with Bask Bank nor Texas Capital Bank. They provide good apy on savings and CD's, bank to keep funds secured so yes they do have strict security measures but if you don't like it than go ... 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

Rate History: 4.35% → 4.25% → 4.20% → 3.75%

Rate History: 3.75% → 2.45% → 3.85% → 4.00% → 3.75%

| 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

Rate History: 4.45% → 4.25% → 3.90% → 3.80% → 3.70%

| 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

Rate History: 3.95% → 4.10% → 3.80% → 3.79% → 3.60%

| 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

| 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

Rate History: 3.05% → 2.53%

| May 21, 2021

this bank is pooooooooooooooooooop Read More

Rate History: 0.20% → 2.55% → 2.45% → 2.30% → 2.05%

| May 29, 2020

Dua Read More

Rate History: 3.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

0.75%

$10,000

23.80

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0.68%

$100,000

17.65

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0.65%

$100,000

21.97

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0.65%

$100,000

16.48

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0.65%

$100,000

18.70

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0.60%

$10,000

16.48

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0.60%

$10,000

18.70

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0.60%

$100,000

19.25

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| Jan 23, 2021

This is the WORST bank ever!! We had a substantial amount of money taken from our accounts. When we first discovered it, we immediately met with Sue Hearn, VP in The Woodlands. Her first reaction was to ... Read More

0.58%

$10,000

17.65

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0.50%

$10,000

21.97

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0.50%

$10,000

18.21

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0.50%

$100,000

1.17

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0.45%

$10,000

0.57

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| Sep 7, 2023

Went to Stellar bank off Bay Area yesterday 8/6/23. I was 1 minute late, but a gentleman let me in and instructed me to a lady to my left. Unfortunately, the ONLY words to me that she said was "just to let... Read More

0.40%

$10,000

1.17

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0.30%

$10,000

16.57

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0.30%

$10,000

19.48

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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

18.25

Learn More

| Nov 26, 2019

They might be covered but they do little to safeguard your money. I was hacked, the hackers posed as bank employees accessed my account and made payments to fraudulent accounts. I had to explain to them wh... Read More

0.25%

$10,000

19.25

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

| 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

| 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

Rate History: 0.10% → 0.02% → 0.10% → 0.02%

| Feb 25, 2023

I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... 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 Pearland, TX - July 31, 2025


Branch Street City State
Finworth, a division of InsBank
Westchase Branch
10565 Richmond Avenue Houston TX
Texas Capital Bank
Houston Westway Ii Branch
4424 W Sam Houston Pkwy North, Suite 170 Houston TX
Monet Bank
Houston Branch
2500 West Loop South, Suite 100 Houston TX
Citibank, National Association
Citibank, National Association Branch
333 Clay Street Suite 3750 Houston TX
Capital One, National Association
Enclave-Hou31 Branch
1102 Eldridge Pkwy Houston TX
Bank of Hope
Houston Branch
10000 Harwin Drive Houston TX
Wells Fargo Bank, National Association
Sweetwater & Lexington Branch
17044 Lexington Boulevard Sugar Land TX
Zions Bank
Zb, National Association Branch
14965 Southwest Freeway Sugar Land TX
Lone Star Bank
Lone Star Bank Branch
2600 South Gessner Road Houston TX
BOKF, National Association
Sweetwater Branch
4555 Sweetwater Boulevard Sugar Land TX
JPMorgan Chase Bank, National Association
Eldridge Parkway Branch
1490 Eldridge Parkway Houston TX
The Moody National Bank
Moody National Bank - West Houston B Branch
850 North Eldridge Parkway Houston TX
Southwestern National Bank
Sugar Land Branch
3508 Highway 6 Sugar Land TX
Hanmi Bank
Houston Spring Branch
1611 Gessner Drive Houston TX
American First National Bank
First Colony Branch
4915 Hwy 6 S Missouri City TX
Golden Bank, National Association
Sugar Land Branch
2287 Highway 6 Sugar Land TX
American First National Bank
First Colony Branch
4915 Hwy 6 S Missouri City TX
Golden Bank, National Association
Sugar Land Branch
2287 Highway 6 Sugar Land TX
International Bank of Commerce
In-Store W. Airport Branch
1565 State Hwy 6 S. Sugar Land TX
Texas First Bank
Houston Branch
1535 West Loop South, Suite 120 Houston TX
Southwestern National Bank
Sugar Land Branch
3508 Highway 6 Sugar Land TX
Hanmi Bank
Houston Spring Branch
1611 Gessner Drive Houston TX
City Bank
Houston Branch
10080 Bellaire Blvd., Suite 101 Houston TX
Capital Bank
West Pearland Branch
8703 West Broadway, Suite 131 Pearland TX
HomeTown Bank, National Association
Pearland Branch
2651 Pearland Parkway Pearland TX
Stellar Bank
Eldridge Branch
2401 Eldridge Parkway, S Houston TX
Capital Bank
West Pearland Branch
8703 West Broadway, Suite 131 Pearland TX
Bank of Hope
Houston Branch
10000 Harwin Drive Houston TX
Cathay Bank
Houston Branch
9440 Bellaire Boulevard, Suite 118 Houston TX
Veritex Community Bank
Houston Branch
5111 San Felipe Houston TX
Texas Gulf Bank, National Association
Citycentre Branch
900 Town & Country Lane Houston TX
NewFirst National Bank
Sugar Land Branch
50 Sugar Creek Center Blvd. Ste. 100 Sugar Land TX
Origin Bank
Memorial Branch
12600 Memorial Drive Houston TX
International Bank of Commerce
In-Store W. Airport Branch
1565 State Hwy 6 S. Sugar Land TX
East West Bank
William Trace Branch
15144 Southwest Freeway Sugar Land TX
Regions Bank
Sugar Land Branch
2310 Highway 6 South Sugar Land TX
Bank of America, National Association
Eldridge Motor Branch
717 North Eldridge Houston TX
First-Citizens Bank & Trust Company
Galleria Branch
5002-C Westheimer Road Houston TX
Regions Bank
Sugar Land Branch
2310 Highway 6 South Sugar Land TX


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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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