Today’s Best 18-Month CD Rates

Shawn Plummer

CEO, The Annuity Expert

If you’re looking to invest your money securely and profitably, a certificate of deposit (CD) might be the perfect option. CDs are an excellent investment choice because they offer a guaranteed return on your investment, and they’re also insured by the FDIC, which means your money is safe. This comparison will discuss everything you need to know about 18-month CD rates. We’ll explain what 18-month CDs are and why they’re a significant investment and provide insights into the best 18-month CD rates available today.

Understanding 18-month CD Rates

CDs are a low-risk investment option that can be purchased from banks or credit unions. The interest rate on a CD is fixed, and you’ll earn a guaranteed return on your investment. The length of the term of a CD can vary, but for this article, we’ll be focusing on 18-month CD rates. An 18-month CD is a type of CD that has a maturity period of 18 months, and the interest rate is typically higher than a savings account or money market account.

Benefits of 18-month CD Rates

One of the main benefits of investing in an 18-month CD is that you’ll earn a higher interest rate than a traditional savings account. The interest rate is also fixed, so you don’t have to worry about market fluctuations affecting your return. Another advantage of investing in an 18-month CD is that your money is FDIC-insured up to $250,000, which means your investment is safe.

Risks of 18-month CD Rates

One of the risks of investing in an 18-month CD is that your money will be tied up for 18 months. As a result, you may have to pay the penalty if you need access to your funds before the maturity period ends. Additionally, the interest rate on an 18-month CD may not keep pace with inflation, so your return may not be as high as expected.

Earn The Highest Interest Rates On Savings Today

Fixed annuities are almost identical to Certificates of Deposit (CDs) accounts and provide higher interest rates and penalty-free withdrawals for income.

TermInsurance CompanyAPY
N/ACloudBank Savings Account5.05%
N/APonce Bank5.05%
12 MonthsBread Savings CD5.20%
24 MonthsIdabel National Bank5.05%
48 MonthsAmerico Fixed Annuity5.05%
5 YearsAmerico Fixed Annuity5.25%
10 YearsAmerican National5.45%
*Fixed annuities are only for saving money to use in retirement.

Disclaimer: This is a review. The Annuity Expert is not associated with a bank or credit union. However, fixed annuities are sold at most financial institutions. We aim to help you find the highest interest rates for your retirement savings. We may receive a small referral fee if you purchase something using a link in this article.

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Best 18-Month CD Rates Today

When it comes to choosing the best 18-month CD rates, there are several factors you should consider, including the interest rate, minimum deposit requirement, and the bank’s reputation. To make finding the best rates easier, we’ve compiled a list of the top banks offering 18-month CD rates.


Investing in an 18-month CD can be a great way to earn a guaranteed return on your investment while keeping your money safe. When choosing an 18-month CD, it’s essential to consider factors like the interest rate, minimum deposit requirement, and the bank’s reputation. Whether you’re looking for the best rates, the highest possible returns, or the flexibility of a savings account, plenty of options are available to meet your needs. With the information in this comparison, you can choose the best CD rates and savings accounts available today.

Today'S Best 18-Month Cd Rates

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Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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