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Sulphur Springs, Texas CD Rates – 18-Month

You are viewing rates from banks across Sulphur Springs

 

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

Sulphur Springs, TX - July 5, 2025

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

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

0.80%

$10,000

16.57

Learn More

| Feb 6, 2023

Lindale Community Bank with employees that care. Read More

| Feb 17, 2022

Worst bank ever. Buying everyone and screwing them up. Read More

0.55%

$10,000

17.63

Learn More

0.55%

$10,000

1.64

Learn More

0.55%

$100,000

21.10

Learn More

0.50%

$1,000

0.36

Learn More

0.50%

$10,000

17.41

Learn More

| Feb 17, 2022

Worst bank ever. Buying everyone and screwing them up. Read More

0.50%

$10,000

20.54

Learn More

0.45%

$10,000

17.94

Learn More

0.40%

$10,000

17.48

Learn More

| Feb 17, 2022

Worst bank ever. Buying everyone and screwing them up. Read More

0.35%

$10,000

21.85

Learn 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 Sulphur Springs, TX - July 5, 2025


Branch Street City State
JPMorgan Chase Bank, National Association
Commerce Branch
1305 Washington Street Commerce TX
The First National Bank in Cooper
The First National Bank In Cooper Branch
11 West Side Square Cooper TX
Broadstreet Bank S S B
South Main Branch
500 South Main Winnsboro TX
Prosperity Bank
Winnsboro Branch
101 North Main Winnsboro TX
Cypress Bank, SSB
Live Oak At Washington Branch
1702 Live Oak Commerce TX
Texas Heritage National Bank
Sulphur Springs-Branch
215 N Hillcrest Sulphur Springs TX
The First National Bank of Winnsboro
South Town Branch
100 E Coke Road Winnsboro TX
Alliance Bank
Alliance Bank Branch
100 Jefferson Street Sulphur Springs TX
Guaranty Bank & Trust, N.A.
Commerce Branch
1108 Park Commerce TX
Prosperity Bank
Winnsboro Branch
101 North Main Winnsboro TX
The City National Bank of Sulphur Springs
Emory Branch
700 East Lennon Drive Emory TX
The First National Bank of East Texas
Lake Country Branch
1947 Fm 2946 Emory TX
Inwood National Bank
Commerce Branch
1312 Washington Street Commerce TX
Prosperity Bank
Winnsboro Branch
101 North Main Winnsboro TX
Austin Bank, Texas National Association
Emory Branch
610 West Lennon Drive Emory 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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