Washington

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Washington CD Rates – 18-Month

You are viewing rates from banks across Washington





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

WA - July 30, 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 90 days interest.
Rate History: 4.50% → 4.25% → 4.15% → 4.00% → 4.20%

| May 6, 2023

Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. 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

Available in all states except MA/RI.

| Jul 17, 2021

I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... 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

Rate History: 4.25% → 4.30% → 4.35% → 4.25% → 4.10%

| Feb 12, 2020

WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 5.20% → 3.00% → 4.85%

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.85% → 4.40% → 3.95% → 4.16% → 4.05%

| Mar 19, 2022

Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More

Early Withdrawal Penalty is 6 months Interest.
Rate History: 4.75% → 4.45% → 4.05% → 3.95% → 4.05%

| Jul 1, 2022

not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More

One-time bump CD. Early Withdrawal Penalty is 180 days interest.
Rate History: 3.90% → 4.15% → 3.95% → 4.20% → 4.05%

| Aug 26, 2022

Too slow to raise rates. Read More

Rate History: 4.10% → 4.00% → 3.90% → 4.10% → 4.00%

| Feb 15, 2024

best bank on the list but no longer the most competitive Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 5.00% → 4.65% → 4.40% → 4.15% → 4.00%

| Nov 21, 2023

A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... 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

Early Withdrawal penalty is 180 days interest.
Rate History: 3.85% → 4.10% → 4.00% → 3.75% → 4.00%

| Sep 30, 2023

CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.75% → 4.20% → 4.00% → 3.90% → 4.00%

| Apr 20, 2024

Save your tears for another day. Very frustrating. 1-star. Read More

Early Withdrawal Penalty is 180 days.
Rate History: 4.72% → 4.57% → 4.15% → 4.00% → 3.90%

| Jan 30, 2024

Have an IRA rollover, they don't take IRAs any longer. Read More

Warning: Early withdrawal penalty is 2% of principal

| Dec 22, 2018

I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More

Rate History: 3.25% → 3.35% → 3.85%

| Aug 31, 2022

never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More

Rate History: 4.50% → 4.40% → 3.80% → 4.00% → 3.80%

| Jan 10, 2024

AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... 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: 5.25% → 4.50% → 4.25% → 4.10% → 3.80%

| Oct 23, 2023

Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... 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

| Jul 4, 2025

Bread's current 6-month CD is 4.45%, not 4.35%. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.30% → 4.20% → 3.90% → 4.25% → 3.80%

| Dec 27, 2022

They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More

Rate History: 5.17% → 5.26% → 4.90% → 4.47% → 3.76%

| Jul 23, 2023

easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More

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

| Feb 9, 2021

The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More

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: 4.85% → 4.50% → 4.00% → 4.20% → 3.75%

Rate History: 4.25% → 4.10% → 3.90% → 3.80% → 3.70%

| Aug 13, 2023

Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More

Early Withdrawal Penalty is 6 months interest.
Rate History: 4.45% → 4.25% → 3.90% → 3.80% → 3.70%

| Mar 15, 2023

Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More

| Oct 11, 2020

You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... 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: 4.30% → 4.00% → 3.75% → 3.70% → 3.60%

| Mar 20, 2025

A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... 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

Rate History: 4.35% → 4.25% → 4.20% → 3.84% → 3.58%

Warning: Early withdrawal penalty is 4% of principal withdrawn.
Rate History: 5.00% → 4.50% → 4.25% → 4.00% → 3.50%

| Dec 8, 2020

Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More

Warning: Early Withdrawal Penalty is 12 months of interest
Rate History: 0.55% → 4.50% → 4.75% → 3.75% → 3.50%

| Jul 6, 2023

This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.90% → 4.75% → 4.40% → 3.75% → 3.50%

| 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

| 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

Early Withdrawal Penalty is 9 months interest.
Rate History: 3.25% → 3.00% → 3.25%

• $1,000 minimum deposit to open an account. • A penalty may be imposed for early withdrawal. • Account fees may reduce your earnings.
Rate History: 0.25% → 0.15% → 3.82% → 3.03%

| May 21, 2021

avoid this Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 5.00% → 4.50% → 4.25% → 3.25% → 3.00%

| May 2, 2022

Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... 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: 3.50% → 3.00% → 2.75%

| Jun 13, 2023

I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More

Rate History: 4.65% → 4.25% → 3.50% → 3.00% → 2.75%

Rate History: 3.05% → 2.53%

Rate History: 2.78% → 2.63% → 2.38% → 2.68% → 2.53%

Rate History: 0.85% → 1.25% → 2.60% → 2.36%

| May 26, 2017

Before009 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

Rate History: 4.65% → 4.20% → 4.05% → 2.80% → 1.80%

| Nov 28, 2022

While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More

Rate History: 4.45% → 2.80% → 1.65%

| Feb 24, 2020

I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More

| Aug 15, 2019

I DO NOT LIKE THIS BANK, MORE THAN ONCE I HAVE BEEN HUMILIATED BY THIS BANK AND THEIR CARDS. Read More

Rate History: 4.50% → 1.00% → 4.00% → 1.00%

| May 19, 2018

Experience Read More

0.80%

$100,000

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0.75%

$10,000

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0.70%

$10,000

-

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0.70%

$10,000

-

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| Aug 15, 2017

5 star Read More

0.65%

$100,000

-

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0.60%

$500

-

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0.60%

$10,000

-

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0.60%

$10,000

-

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0.60%

$10,000

-

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0.55%

$10,000

-

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| Nov 17, 2020

The monthly statement did not reach by the time I’m use to send my auto loan payment, which by the way has been always at least 15 days prior to due date.. Then I call to notify that and they took my pay... Read More

0.50%

$10,000

-

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| Jul 22, 2015

Fix your automated system so I can find information after you close Read More

| Jan 21, 2024

Unhappy with YFS&L. Around Dec I had a CD that matured. I was out of the area overseas and I was unable to move the moneys from the CD into my regular savings account and the CD renewed at a much lower r... Read More

0.45%

$10,000

-

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| Dec 24, 2018

they suck Read More

0.40%

$500

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| Dec 11, 2023

only series EE currently. I have I series and have to mail them in Read More

0.40%

$5,000

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0.40%

$10,000

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0.39%

$10,000

-

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| Dec 11, 2023

only series EE currently. I have I series and have to mail them in Read More

| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.35%

$100,000

-

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| Apr 15, 2019

Very friendly and helpful here. We had closed an account last year, and were not asked what we planned to do with the money or if we found a better rate elsewhere. Just thanks for banking with us...so we ... Read More

0.35%

$100,000

-

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Rate History: 0.30% → 1.26% → 0.30%

| Dec 11, 2023

only series EE currently. I have I series and have to mail them in Read More

0.30%

$10,000

-

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0.30%

$100,000

-

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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

-

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0.25%

$10,000

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0.25%

$10,000

-

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0.25%

$10,000

-

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| Sep 28, 2016

After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More

0.20%

$10,000

-

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| 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

| Aug 25, 2021

I have banked with Umpqua in Gig Harbor since 2013 and although there money market rates are not good didn’t have much problem until I moved to Spokane and started using this branch on south hill. They ... Read More

| Nov 17, 2020

The monthly statement did not reach by the time I’m use to send my auto loan payment, which by the way has been always at least 15 days prior to due date.. Then I call to notify that and they took my pay... Read More

| Nov 15, 2019

If you have a choice don't use these people for an auto loan. I called and got the loan pay off which I submitted electronically. I hadn't gotten any lean clearance info so I called. They said they held... 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

| Sep 5, 2020

My investment accounts managed by them are the worst of all of my accounts. In the last 10 years any gain they have made has been offers by fees. The tag my loan account with late fees despite my on t... Read More

Rate History: 4.75% → 0.01% → 0.05%

| 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

| Jun 12, 2023

US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More

| 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

| 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 zip 10116


Branch Street City State
Seattle Bank
Seattle Bank Branch
600 University Street, Suite 1850 Seattle WA
Beal Bank USA
Seattle Branch
10900 N.E. 4th Street, Suite 110 Bellevue WA
Bank of Hope
Tacoma Branch
8608 South Tacoma Way Lakewood WA
Northwest Bank
Seattle Branch
925 Fourth Avenue, Suite 100 Seattle WA
Wells Fargo Bank, National Association
Seattle Main Branch
999 3rd Avenue Seattle WA
HomeStreet Bank
Yakima Branch
424 E. Yakima Avenue Yakima WA
Zions Bank
Seattle Br Branch
601 Union Street, Suite 3600 Seattle WA
Sound Community Bank
Cedar Plaza Branch
22807 44th Avenue West Mountlake Terrace WA
JPMorgan Chase Bank, National Association
West Francis Ave Branch
West 822 Francis Avenue Spokane WA
Washington Trust Bank
Deer Park Branch
South 903 Main Street Deer Park WA
SAVIBANK
Broadway Branch
1910 Broadway Bellingham WA
RiverBank
Riverbank Mobile Branch
34 E Spokane Falls Blvd Spokane WA
SAVIBANK
Broadway Branch
1910 Broadway Bellingham WA
Twin City Bank
Twin City Bank Branch
729 Vandercook Way Longview WA
First Financial Northwest Bank
Lake Stevens Branch
8915 Market Place, Ste 300 Lake Stevens WA
Twin River Bank
Asotin Branch
201 2nd Street Asotin WA
Cashmere Valley Bank
Leavenworth Branch
980 Highway 2 Leavenworth WA
Mountain Pacific Bank
Mountain Pacific Bank Branch
3732 Broadway Everett WA
UniBank
Tacoma Market Branch
9701 S. Tacoma Way, Suite 107 Lakewood WA
Bank of the Pacific
Ilwaco Branch
Second And Spruce Streets Ilwaco WA
Community First Bank
Community First Bank Branch
6401 West Clearwater Avenue Kennewick WA
Yakima Federal Savings and Loan Association
West Gage Blvd Branch
8908 W. Gage Blvd Kennewick WA
Timberland Bank
Tacoma Branch
7805 So. Hosmer Tacoma WA
Olympia Federal Savings and Loan Association
Hawks Prairie Branch
8300 Quinault Dr Ne Olympia WA
Heritage Bank
Bellevue Branch
10500 N.E. 8th Street Bellevue WA
Bank of Eastern Oregon
Pasco Branch
5205 N Road 68 Pasco WA
Glacier Bank
Newport Branch
330 North Washington Avenue Newport WA
Security State Bank
Grayland Branch
853 Hart Street Grayland WA
Community Bank
Walla Walla Branch
28 East Alder Walla Walla WA
Coastal Community Bank
Stanwood Branch
9810 State Rt 532 Stanwood WA
Glacier Bank
Newport Branch
330 North Washington Avenue Newport WA
Armed Forces Bank, National Association
Fort Lewis Branch
Pendleton Avenue & North 12th Street Fort Lewis WA
Liberty Bank
Liberty Bay Bank Branch
19917 Seventh Avenue Ne Poulsbo WA
GBC International Bank
Shoreline Bank Branch
16001 Aurora Avenue North Shoreline WA
Connect Community Bank
Raymond Federal Bank Branch
202 Duryea St Raymond WA
Bank of Hope
Tacoma Branch
8608 South Tacoma Way Lakewood WA
Cathay Bank
Seattle Branch
621 South Lane Street Seattle WA
Glacier Bank
Newport Branch
330 North Washington Avenue Newport WA
Liberty Bank
Liberty Bay Bank Branch
19917 Seventh Avenue Ne Poulsbo WA
Riverview Bank
Macarthur Branch
915 Macarthur Boulevard Vancouver WA
Peoples Bank
Anacortes Office Branch
1218 Commercial Street Anacortes WA
State Bank Northwest
State Bank Northwest Branch
12902 East Sprague Avenue Spokane Valley WA
Kitsap Bank
Fife Branch
5209 Pacific Highway East Fife WA
Connect Community Bank
Raymond Federal Bank Branch
202 Duryea St Raymond WA
Washington Federal Bank
Everett Branch
9929 Evergreen Way Everett WA
Riverview Bank
Macarthur Branch
915 Macarthur Boulevard Vancouver WA
Umpqua Bank
Liberty Lake Branch
21601 E Country Vista Drive Liberty Lake WA
Bank of the Pacific
Ilwaco Branch
Second And Spruce Streets Ilwaco WA
First Interstate Bank
Lynnwood Branch
2502 196th Street, S.W. Lynnwood WA
East West Bank
Washington First International Bank Branch
9709 Third Avenue, N.E. Suite 110 Seattle WA
Umpqua Bank
Liberty Lake Branch
21601 E Country Vista Drive Liberty Lake WA
Baker-Boyer National Bank
Baker-Boyer National Bank Branch
7 West Main St Walla Walla WA
KeyBank National Association
Auburn Branch
One East Main St. Auburn WA
U.S. Bank National Association
U.S. Bank National Association Branch
West 305 First Street Sprague WA
Bank of America, National Association
Silverdale Tw Cntr Branch
9981 Silverdale Way, N.W. Silverdale WA
First-Citizens Bank & Trust Company
Lacy Branch
721 College Street Lacey WA


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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