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Taylor, Texas CD Rates – 18-Month

You are viewing rates from banks across Taylor





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

Taylor, TX - December 13, 2025

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

Earty Withdrawal Penalty is 180 days interest.
Rate History: 4.50% → 4.35% → 3.85% → 3.80% → 3.95%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.05% → 4.00% → 3.80% → 3.80% → 3.90%

| Jun 26, 2020

Rate not current Read More

Early Withdrawal Penalty is 8 months interest.
Rate History: 4.15% → 4.00% → 3.75% → 4.05% → 3.75%

| 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

Rate History: 3.95% → 4.00% → 3.95% → 3.80% → 3.70%

| Sep 4, 2025

And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More

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

Early Withdrawal Penalty is 270 days interest.
Rate History: 3.95% → 3.90% → 3.80% → 3.70% → 3.45%

| 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

Rate History: 3.00% → 2.85% → 2.75%

| 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: 3.00% → 2.50% → 2.00%

| Jan 2, 2023

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

1.01%

$10,000

13.02

Learn More

| Aug 4, 2022

Great CD rates & service Read More

0.99%

$100,000

16.41

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0.90%

$10,000

21.45

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0.85%

$10,000

16.41

Learn More

0.75%

$10,000

22.37

Learn More

0.70%

$10,000

22.71

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0.68%

$100,000

19.83

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0.65%

$10,000

14.83

Learn More

| Feb 17, 2022

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

0.58%

$10,000

19.83

Learn More

0.55%

$10,000

15.48

Learn More

| Feb 17, 2022

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

| Feb 17, 2022

Worst bank ever. Buying everyone and screwing them up. 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 Taylor, TX - December 13, 2025


Branch Street City State
Finworth, a division of InsBank
Austin Branch
3901-A Spicewood Springs Road Austin TX
Capital One, National Association
Capital One, National Association Branch
7200 North Mo Pac Expy Austin TX
Southside Bank
Austin Branch
8200 North Mo-Pac Expressway Austin TX
Southside Bank
Austin Branch
8200 North Mo-Pac Expressway Austin TX
JPMorgan Chase Bank, National Association
Spicewood Branch
12858 Research Boulevard Hwy 183 Austin TX
Round Top State Bank
Round Rock Branch
2250 North Aw Grimes Blvd Round Rock TX
Susser Bank
Round Rock Branch
1750 Round Rock Ave Round Rock TX
R Bank
Round Rock Banking Center Branch
1900 Round Rock Avenue Round Rock TX
American Bank of Commerce
8668 Spicewood Springs Road Branch
8668 Spicewood Springs Road Austin TX
R Bank
Round Rock Banking Center Branch
1900 Round Rock Avenue Round Rock TX
The Moody National Bank
Austin Banking Center Branch
860 East Anderson Austin TX
Austin Capital Bank SSB
Austin Capital Bank Ssb Branch
8100 Shoal Creek Blvd. Austin TX
Southwestern National Bank
Austin Branch
11220 North Lamar, Suite A-100 Austin TX
Extraco Banks, National Association
Round Rock In Store #2 Branch
250 University Blvd Round Rock TX
Prosperity Bank
Austin 183 Branch
12730 Research Blvd. Austin TX
Southwestern National Bank
Austin Branch
11220 North Lamar, Suite A-100 Austin TX
The First National Bank of Bastrop
Elgin Branch
1312 Hwy 290 Elgin TX
Prosperity Bank
Austin 183 Branch
12730 Research Blvd. Austin TX
Prosperity Bank
Austin 183 Branch
12730 Research Blvd. Austin TX
Bank of America, National Association
Northwest Austin Branch
12574 Research Boulevard Austin TX


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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