New Jersey

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CD Rates – 18-Month – Newark, New Jersey

You are viewing local cd rates from banks around: New Jersey, NJ 10007





Below are eighteen-month Certificates of Deposit (CD) rates from banks located within 20 miles of the zip code above. Eighteen-Month CDs offer a bit more yield than 1-year CDs but require a longer time-commitment. Like any CD, you should consider the trade-off between the difference in yield and the required time commitment. If an 18-month CD pays significantly above the yield of a 12-month CD, it may be worth opening.

Newark, NJ - August 2, 2025

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.20% → 4.15% → 4.05% → 4.20% → 4.15%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Early Withdrawal Penalty is 8 months interest.
Rate History: 3.75% → 3.85% → 4.30% → 4.20% → 4.15%

| Nov 12, 2023

Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More

| Sep 18, 2023

I agree with another user, this bank is very poorly put together, and may very well be an operation in large part used to extract and sell people's personal information. I called customer service and had ... Read More

Early Withdrawal Penalty is 270 days interest.
Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.10%

| Dec 18, 2023

I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 5.20% → 3.00% → 4.85%

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.50% → 4.25% → 4.15% → 4.05% → 4.00%

| Jun 26, 2020

Rate not current Read More

Rate History: 1.00% → 4.00%

Earty Withdrawal Penalty is 180 days interest.
Rate History: 4.75% → 4.50% → 4.35% → 3.85% → 3.80%

| Aug 2, 2023

Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More

Rate History: 4.00% → 3.95% → 4.00% → 3.95% → 3.80%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

Rate History: 4.13% → 3.98% → 4.13% → 3.87% → 3.77%

| Apr 29, 2020

I called this banl there is no this rate Read More

Rate History: 3.75% → 2.45% → 3.85% → 4.00% → 3.75%

| Feb 25, 2022

I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More

Rate History: 4.50% → 3.00% → 4.50% → 4.00% → 3.75%

| Jul 31, 2020

Reduced savings rate from 1.88% to .75% a day after I deposited a substantial amount of money and no notice given or reduction in rate told to me Read More

Rate History: 4.85% → 4.50% → 4.00% → 4.20% → 3.75%

Rate History: 4.45% → 4.25% → 3.90% → 3.80% → 3.70%

| Jan 2, 2024

Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More

Rate History: 3.95% → 4.10% → 3.80% → 3.79% → 3.60%

| Dec 3, 2019

Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More

Rate History: 4.50% → 4.75% → 4.27% → 3.60%

Rate History: 5.00% → 5.05% → 4.15% → 4.10% → 3.55%

| Apr 25, 2022

We would not be having all this trouble with people sealing money out of other people's bank accounts if we were to just stop using fancy banking like onlinebanki Read More

| Feb 6, 2023

after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More

Rate History: 2.25% → 5.45% → 3.50%

| Jun 26, 2022

ACH transfers are not allowed. Called and was told that I had to set up wire transfers (and pay fees) or I could come in to the bank and get a bank check. Read More

Rate History: 5.00% → 4.00% → 3.50%

Rate History: 3.45% → 3.35% → 3.50% → 3.45%

Rate History: 4.25% → 4.50% → 4.30% → 4.10% → 3.35%

| Mar 26, 2021

Spencer Bank is by far, the ABSOLUTE WORST Banking institution there is. The Bank - and the Headquarters - display a host of shortcomings and clearly are the most substandard bank - dealing with numerou... Read More

Rate History: 5.00% → 5.50% → 4.25% → 3.35%

Rate History: 3.50% → 3.25%

| Jun 2, 2022

I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More

Rate History: 2.65% → 3.00%

| Feb 13, 2018

Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... Read More

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Rate History: 3.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

Rate History: 4.50% → 1.00% → 4.00% → 1.00%

| May 19, 2018

Experience Read More

Rate History: 0.10% → 4.25% → 1.50% → 0.92%

| Apr 4, 2016

I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... Read More

| Aug 19, 2021

Best Service! Read More

0.65%

$10,000

5.95

Learn More

0.65%

$100,000

16.58

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0.65%

$10,000

13.32

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0.65%

$10,000

12.21

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| May 14, 2015

looking to refinance into a fixed equity 15 yr loan, I have now a 1st Mortg & equity line total of about 218000. looking to get about 360 & pay off the old ones & have extra, I have a 4 unit house were we ... Read More

0.60%

$10,000

10.60

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0.60%

$10,000

12.14

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0.60%

$10,000

14.17

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0.50%

$10,000

16.58

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0.50%

$10,000

13.57

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0.50%

$100,000

13.39

Learn More

| Apr 1, 2020

when I hit learn more, I get this box to rate the bank. WHY Read More

0.40%

$10,000

13.39

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0.35%

$10,000

15.57

Learn More

| May 24, 2021

Rate is not valid BCC needs to improve on this. Its difficult enough savers are being penalized by the FED Read More

| Jun 10, 2022

This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More

0.25%

$10,000

16.55

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0.25%

$10,000

14.13

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| Mar 10, 2021

I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More

0.25%

$10,000

3.05

Learn More

| Jan 11, 2020

I tried to do a re-fi loan through this place. Total nightmare. They never sent the loan disclosure prior to the closing. Imagine my surprise at closing when my cash to closing number increased by almo... Read More

0.20%

$10,000

22.11

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| May 21, 2018

I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More

Rate History: 0.15% → 0.30% → 0.15%

| Mar 15, 2023

Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More

| May 18, 2019

Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More

| Jul 24, 2023

BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007


Branch Street City State
Finworth, a division of InsBank
New York Branch
1 Rockefeller Plaza New York NY
M.Y. Safra Bank
M.Y. Safra Bank, Fsb Branch
499 Park Avenue New York NY
First Central Savings Bank
First Central Savings Bank Branch
45-08 46th Street Sunnyside NY
GSL Savings Bank
Gsl Savings Bank Branch
6823 Bergenline Ave Guttenberg NJ
Citibank, National Association
Princes Bay Branch
5810 Amboy Road Staten Island NY
Empire State Bank
Railroad Avenue Branch
1361 N. Railroad Avenue Staten Island NY
New Millennium Bank
New Millennium Bank Branch
222 Bridge Plaza South Fort Lee NJ
Capital One, National Association
Tottenville Branch
240 Page Avenue Staten Island NY
Bank of Hope
Manhattan Branch
16 West 32nd Street New York NY
Ponce Bank
Bensonhurst Branch
2047 86th Street Brooklyn NY
Ridgewood Savings Bank
Bay Ridge Branch
8522 Third Avenue Brooklyn NY
Wells Fargo Bank, National Association
Wells Fargo Bank, National Association Branch
25 Mountain View Blvd Suite 101 Basking Ridge NJ
Cross River Bank
Cross River Bank Branch
885 Teaneck Road Teaneck NJ
Spring Bank
Harlem Branch - Frederick Douglas Blvd
301 W. 111th Street New York NY
Cross County Savings Bank
Kings Branch
731 Metropolitan Ave. Brooklyn NY
Spencer Savings Bank, SLA
Parsippany Branch
1699 Littleton Road Parsippany NJ
Maspeth Federal Savings and Loan Association
101-09 Metropolitan Ave Branch
101-09 Metropolitan Ave New York City NY
Apple Bank
Staten Island Branch
2655 Richmond Avenue, Suite 2005 Staten Island NY
Bogota Savings Bank
Classic Residence Branch
655 Pomander Walk Teaneck NJ
Habib American Bank
Habib American Bank Branch
99 Madison Avenue New York NY
M.Y. Safra Bank
M.Y. Safra Bank, Fsb Branch
499 Park Avenue New York NY
Kearny Bank
Staten Island Branch
339 Sand Lane Staten Island NY
JPMorgan Chase Bank, National Association
Tottenville Branch
280 Page Avenue Staten Island NY
PCB Bank
Fort Lee Office Branch
1550 Lemoine Avenue Fort Lee NJ
United Orient Bank
United Orient Bank Branch
185 Canal Street New York City NY
TD Bank, National Association
Staten Island/Tottenville Branch
126 Page Avenue Staten Island NY
TrustCo Bank
Ramsey Branch
385 N Franklin Turnpike Ramsey NJ
Amerasia Bank
86-26 Broadway Branch
86-26 Broadway Elmhurst NY
Ascendia Bank
Glen Rock Savings Bank Branch
25 W Northfield Rd Livingston NJ
Hanmi Bank
Edison Branch
1031 Us Hwy 1 South Edison NJ
Dime Community Bank
52nd Street Manhattan Branch
12 East 52nd Street New York NY
Global Bank
Global Bank Branch
8 Catherine Street New York NY
Provident Bank
Bridgewater Branch
477 Union Avenue Bridgewater NJ
Alma Bank
Clifton Branch
1133 Main Avenue Clifton NJ
Haven Savings Bank
Berkeley Heights Branch
555 Springfield Avenue Berkeley Heights NJ
Metropolitan Commercial Bank
Boro Park Branch
5101 13th Ave Brooklyn NY
Hanmi Bank
Edison Branch
1031 Us Hwy 1 South Edison NJ
Carver Federal Savings Bank
Atlantic Terminal Branch
4 Hanson Place Brooklyn NY
Industrial and Commercial Bank of China USA, National Association
Brooklyn Branch
5714 8th Avenue (At 57th Street) Brooklyn NY
Columbia Bank
Edison Branch
245 Talmadge Road Edison NJ
Industrial and Commercial Bank of China USA, National Association
Brooklyn Branch
5714 8th Avenue (At 57th Street) Brooklyn NY
The Berkshire Bank
Teaneck Branch
517 Cedar Lane Teaneck NJ
Bank of Hope
Manhattan Branch
16 West 32nd Street New York NY
Cathay Bank
Brooklyn Branch
5402 Eighth Avenue Brooklyn NY
First Bank
Sussex Turnpike Branch
1206 Sussex Turnpike Randolph NJ
Crown Bank
Washington Valley Branch
198 Washington Valley Road Warren NJ
Hana Bank USA, National Association
Keb Hana Bank Usa, National Association Branch
136 Broad Avenue Palisades Park NJ
Shinhan Bank America
Palisades Park Branch
101 Broad Avenue Palisades Park NJ
Lusitania Savings Bank
Liberty Avenue Branch
1135 Liberty Avenue Hillside NJ
Somerset Regal Bank
Manville Branch
41 South Main Street Manville NJ
Webster Bank, National Association
Yonkers Branch
760 Mclean Ave Yonkers NY
Freedom Bank
Freedom Bank Branch
99 West Essex Street Maywood NJ
BankUnited, National Association
Borough Park Brooklyn Branch
1333 60th Street Brooklyn NY
East West Bank
Brooklyn 8th Avenue Branch
5801 8th Avenue Brooklyn NY
PNC Bank, National Association
11 Penn Plaza Branch
Seventh Avenue And West 31st Street New York NY
Bank of America, National Association
Richmond Shopping Center Branch
2895 Richmond Avenue Staten Island NY


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PRODUCT INFORMATION

18 Month CDs - Branch Banks 2025

Banks offer a range of Certificates of Deposit (CD) with 18 month CDs being a popular term. An eighteen month CD obligates the holder to keep their money in the bank for eighteen months in return for a fixed rate of interest during that time period. All eighteen month bank CDs shown on BestCashCow are FDIC insured.

Eighteen month CDs can be opened in almost any bank branch as the are a mainstay of bank deposit products.

The advantages of an eighteen month CD are:

  • A slightly higher rate than 12 month CDs in return for leaving the money in the bank longer.
  • A fixed rate during the 18 month period.
  • FDIC insurance.
  • Convenience of opening and managing the CD at a local branch.

The disadvantages of an eighteen month branch CDs are:

  • Rates are generally lower than on the top online savings and CD accounts.
  • Money is tied up for 18 months. Removing it early results in significant penalties.
  • Opening in a branch requires a personal visit.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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