Home › CD rates › 18-month

Best 18-month CD rates today

Every 18-month CD we track, highest rate first, with what $10,000 would earn by the end of the term. APY = the yearly interest rate including compounding.

Best 18-month CD rate we track today

4.75%

at Bread Savings · median of 9 banks: 4.00%

1. Bread Savingsmin $1,500 · read 2026-10-12 · source
4.75%$721 on $10k
2. Barclaysmin $0 · read 2026-10-12 · source
4.50%$683 on $10k
3. Marcusmin $500 · read 2026-10-12 · source
4.40%$667 on $10k
4. Allymin $0 · read 2026-10-12 · source
4.25%$644 on $10k
5. Bask Bankmin $1,000 · read 2026-10-12 · source
4.00%$606 on $10k
6. American Expressmin $0 · read 2026-10-12 · source
3.65%$552 on $10k
7. Capital One 360min $0 · read 2026-10-12 · source
3.60%$545 on $10k
8. EverBankmin $1,000 · read 2026-10-12 · source
3.40%$514 on $10k
9. CIT Bankmin $1,000 · read 2026-10-12 · source
2.75%$415 on $10k

Interest on $10k = APY compounded over the 18-month term, held to maturity. Early-withdrawal penalties apply.

Next step

Like the top rate? Confirm it on Bread Savings's own page before opening.
Might need the money sooner? Compare savings accounts (no lock-up).
Already have a CD or savings account? Check if you're earning too little.

Not found today: Synchrony, Citizens Access (bank page blocked automated reads or rates didn't load). No CDs offered/found: SoFi, Wealthfront, Betterment, UFB Direct, Varo, Chime, Openbank.

More rates

FAQ

What is the best 18-month CD rate?

4.75% APY at Bread Savings (as of 2026-10-12), among banks we track.

Where do these rates come from?

Each rate is read from the bank's own public page on the date shown and linked. Rates change often: confirm on the bank's site before opening. Not financial advice.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.