Best 18 months CD Rates
Compare 18 months certificate of deposit rates from FDIC-insured banks. Lock in a guaranteed return with no risk.
Last updated: March 2, 2026
| Bank | APY | Min. Deposit | Early Withdrawal Penalty | |
|---|---|---|---|---|
BestUSALLIANCE Financial | 4.10% | $500 | Varies | Visit → |
United Fidelity Bank, fsb | 4.05% | $1 | Varies | Visit → |
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CD Ladder Calculator →Frequently Asked Questions
What is the best 18 months CD rate right now?
The best 18 months CD rate is currently 4.10% from USALLIANCE Financial. Rates are verified and updated regularly.
Is a 18 months CD a good investment?
A 18 months CD is a safe, FDIC-insured investment that locks in a guaranteed rate. Longer-term CDs may offer higher rates but lock your money for a longer period.
What happens when my CD matures?
When your CD matures, you can withdraw your principal plus earned interest penalty-free. Most banks will auto-renew into a new CD at current rates if you take no action, so set a reminder.