Best 18-Month CD Rates for August 2022

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For savings you won’t need to access it in the short term, certificates of deposit, or CDs, are a safe and reliable way to earn more interest than you would with a standard savings account. Below are the best Certificate of Deposit rates available from our partners, followed by a ranking of the highest 18 month CD rates available to consumers nationwide.


Based on daily tracking of rate data from approximately 200 banks and credit unions that offer certificate products nationwide, we continuously rank the highest paying CDs with tenors of approximately 18 months (this includes maturities ranging from 15 to 20 months). The minimum deposit cannot exceed $25,000, and only institutions insured by the federal government (by the Federal Deposit Insurance Corporation for banks or National Administration of Credit Unions for credit unions) are eligible for our list.

When multiple institutions pay the same maximum rate, our ranking prioritizes the CDs by the shortest duration, then the CD requiring the smallest minimum deposit. If there is still a tie, we then rank the CD that has the lightest early withdrawal penalty.

Best CD rates 18 months:

  • Sun East Federal Credit Union – 4.00% APY
  • NASA Federal Credit Union – 3.75% APY
  • Bank5 connection – 3.20% APY
  • CFG Bank – 3.20% APY
  • Langley Federal Credit Union – 3.20% APY
  • Federal Credit Union The Capitol – 3.04% APY
  • EFCU Financial – 3.00% APY
  • Limelight Bank – 3.00% APY
  • Pennsylvania State Employees Credit Union – 3.00% APY
  • My eBanc – 2.99% ABS
  • NexBank – 2.90% APY
  • Merrick Bank – 2.90% APY
  • Living Oak Bank – 2.85% ABS
  • Sallie Mae Bank – 2.80% APY
  • Town 2.75% ABS
  • ConnectOne Bank – 2.75% ABS
  • iGObanking – 2.75% ABS

Detailed information on these highest paying 18 month CDs available nationwide is provided below, including details on minimum deposits and early withdrawal penalties. For Credit Union CDs, information is also provided on how to easily join the credit unions offering them.

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