Below is our guide to help you, our readers, find the best or top 18-month CD rates. In summary, certificate of deposits, otherwise known as CDs, will offer you the best secure return on your money when you invest it with your bank or credit union of choice. The best route to take if you want to foresee the best return is with online banks.
Editor’s Note: For a full, extensive list of all available CD rates, see our posts on the Best CD Rates, Deals, & Promotions.
Interested in certain terms only? See below for our list of the best CD rates in the following terms:
- Top 6 or 9-Month CD Rates
- Top 1-Year CD Rates
- Top 2-Year CD Rates
- Top 3-Year CD Rates
- Top 4-Year CD Rates
- Top 5-Year CD Rates
Disclaimer: These rates change often, so BankDealGuy cannot guarantee complete accuracy regarding current rates. We’ll keep the rates as up-to-date as possible.
| Best CD Accounts | Minimum | APY | ||
|---|---|---|---|---|
 | CIT Bank 12-Month CD Account | $1,000 | 0.30% | |
| CIT Bank 11-Month No-Penalty CD Account | $1,000 | 0.30% | |
 | Discover Bank 12-Month CD Account | $2,500 | 0.50% |
Top 18-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| Lafayette Federal Credit Union | 1.86% | $500 | --- | 20-Month CD | Review |
| Langley Federal Credit Union | 1.25% | $1K | --- | 19-Month CD | Review |
| American Heritage Federal Credit Union | 1.02% | $500 | --- | 20-Month CD | Review |
| Consumer Credit Union | 1.00% | $250K | --- | 20-Month Super Jumbo CD | Review |
| Communitywide Federal Credit Union | 0.90% | $1k | --- | 18-Month CD | Review |
| Consumers Credit Union | 0.90% | $250k | --- | 20-Month Super Jumbo CD | Review |
| Evansville Teachers Credit Union | 0.90% | $1k | --- | 18-Month CD | Review |
| GreenState Credit Union | 0.85% | $1,000 | --- | 18-Month CD | Review |
| INSBANK | 0.85% | $2,500 | --- | 18-Month CD | Review |
| Greenwood Credit Union | 0.85% | $1k | --- | 15-Month CD | Review |
| MutualOne Bank | 0.75% | $500 | --- | 18-Month CD | Review |
| Paramount Bank | 0.75% | $1k | --- | 18-Month CD | Review |
| CFG Community Bank | 0.70% | $500 | --- | 18-Month CD | Review |
| Marcus by Goldman Sachs | 0.70% | $500 | --- | 18-Month CD | Review |
| Premier America Credit Union | 0.65% | $100k | --- | 18-Month CD | Review |
| iGObanking | 0.60% | $1k | --- | 18-Month CD | Review |
| Limelight Bank | 0.60% | $1k | --- | 18-Month CD | Review |
| TIAA Bank | 0.60% | $5k | --- | 18-Month CD | Review |
| Merrick Bank | 0.55% | $25k | --- | 18-Month CD | Review |
| Rising Bank | 0.50% | $5k | --- | 18-Month CD | Review |
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| Citi Priority Account | Up to $1,500 Cash Bonus with required activities. | Review |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | Review |
| Chase Total Checking® | $225 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
| Huntington 25 Checking | $300 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| TD Bank Beyond CheckingSM | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| SoFi Money | $100 Cash | Review |
| Discover Bank Cashback Debit | $360 Debit Cashback | Review |
| BMO Harris Bank Checking | $300 Cash | Review |
| Citigold Account | Up To $1500 Cash Bonus with required activities. | Review |
| Axos Bank Basic Business Checking | $100 Cash | Review |
| Axos Business Savings | $100 Cash | Review |
| Aspiration Spend & Save | $150 Cash | Review |
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