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Image Courtesy: pixabay.com
You are viewing local cd rates from banks around: New York, NY 10116
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.
New York City, NY - August 28, 2025
18 Month CD National Average : 0.58% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.16% |
$10,000 |
- |
Learn More
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Early Withdrawal Penalty is 270 days interest. |
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Neil | 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 |
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4.15% |
$25,000 |
- |
Learn More
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Warning: Early Withdrawal Penalty is 2% of the account balance. |
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Frank M | Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More |
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4.15% |
$50,000 |
3.44 |
Learn More
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Early Withdrawal Penalty is 8 months interest. |
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Geoffrey Christopher 1 | 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 |
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4.15% |
$500 |
- |
Learn More
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AEM | 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 |
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4.05% |
$500 |
3.94 |
Learn More
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Early Withdrawal Penalty is 90 days interest. |
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Richard | Jul 1, 2022 Very easy opening process and wonderful staff. Read More |
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4.00% |
$1,000 |
- |
Learn More
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Early Withdrawal Penalty is 90 days interest. |
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Savvysaver | Jun 26, 2020 Rate not current Read More |
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4.00% |
$500 |
5.05 |
Learn More
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Rate History: 1.00% → 4.00% |
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3.80% |
$2,500 |
- |
Learn More
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Earty Withdrawal Penalty is 180 days interest. |
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HAL1975 | 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 |
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3.80% |
$500 |
- |
Learn More
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Rate History: 4.00% → 3.95% → 4.00% → 3.95% → 3.80% |
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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3.77% |
$500 |
5.73 |
Learn More
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Rate History: 4.13% → 3.98% → 4.13% → 3.87% → 3.77% |
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john | Apr 29, 2020 I called this banl there is no this rate Read More |
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3.75% |
$1,000 |
11.15 |
Learn More
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Rate History: 4.50% → 3.00% → 4.50% → 4.00% → 3.75% |
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Papa | 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 |
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3.75% |
$500 |
9.70 |
Learn More
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Rate History: 4.85% → 4.50% → 4.00% → 4.20% → 3.75% |
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3.70% |
$0 |
19.50 |
Learn More
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Rate History: 4.45% → 4.25% → 3.90% → 3.80% → 3.70% |
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highstream | 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 |
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3.60% 0.30% |
$250,000 $1,000 |
9.21 |
Learn More
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Rate History: 3.95% → 4.10% → 3.80% → 3.79% → 3.60% |
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NORTY FLATZ | 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 |
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3.60% |
$1,000 |
4.48 |
Learn More
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Rate History: 4.50% → 4.75% → 4.27% → 3.60% |
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3.55% |
$100 |
6.27 |
Learn More
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Rate History: 5.00% → 5.05% → 4.15% → 4.10% → 3.55% |
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an | 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 |
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3.50% |
$2,500 |
16.39 |
Learn More
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Early Withdrawal Penalty is 180 days interest. |
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jaydub | Aug 18, 2025 Sophomoric as hell. I opened a LevelUp account for the 4.40% rate (now 4.20%). Rate requires automatic $250 deposit each month which I made, but I now realized that I never got that rate. Customer servic... Read More |
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3.50% |
$5,000 |
15.69 |
Learn More
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Thy King | 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 |
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3.50% |
$500 |
11.95 |
Learn More
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Rate History: 2.25% → 5.45% → 3.50% |
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Zman111 | 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 |
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3.50% |
$250 |
6.63 |
Learn More
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Rate History: 5.00% → 4.00% → 3.50% |
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3.45% |
$500 |
3.26 |
Learn More
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Rate History: 3.45% → 3.35% → 3.50% → 3.45% |
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3.35% |
$1,000 |
17.37 |
Learn More
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Rate History: 4.25% → 4.50% → 4.30% → 4.10% → 3.35% |
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Customer18 | 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 |
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3.35% |
$1,500 |
2.29 |
Learn More
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Rate History: 5.00% → 5.50% → 4.25% → 3.35% |
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3.25% |
$1,000 |
12.56 |
Learn More
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Rate History: 3.50% → 3.25% |
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3.00% |
$1,000 |
- |
Learn More
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RTN1949 | 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 |
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3.00% |
$1,000 |
12.26 |
Learn More
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3.00% |
$500 |
17.94 |
Learn More
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Rate History: 3.00% → 4.00% → 3.50% → 3.25% → 3.00% |
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Douglas H | Feb 5, 2020 The employees of this bank are helpful but the bank's systems and procedures for obtaining your account information STINK. If you want a bank that provides you quarterly (or even annual) statements by mai... Read More |
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3.00% |
$1,500 |
19.90 |
Learn More
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Rate History: 2.65% → 3.00% |
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Ryan | 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 |
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2.75% |
$0 |
3.94 |
Learn More
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Richard | Jul 1, 2022 Very easy opening process and wonderful staff. Read More |
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2.25% |
$500 |
23.67 |
Learn More
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2.00% |
$10,000 |
16.89 |
Learn More
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Rate History: 3.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.51% |
$1,000 |
9.50 |
Learn More
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1.25% |
$500 |
0.52 |
Learn More
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1.01% |
$0 |
18.94 |
Learn More
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Rate History: 2.45% → 3.85% → 4.00% → 3.75% → 1.01% |
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Azoic | 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 |
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1.00% |
$10,000 |
22.71 |
Learn More
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Rate History: 4.50% → 1.00% → 4.00% → 1.00% |
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Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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0.92% |
$500 |
18.16 |
Learn More
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Rate History: 0.10% → 4.25% → 1.50% → 0.92% |
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Mark Fitzpatrick | 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 |
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0.66% |
$10,000 |
7.00 |
Learn More
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Chang | Aug 19, 2021 Best Service! Read More |
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0.65% |
$10,000 |
17.45 |
Learn More
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0.65% |
$100,000 |
23.14 |
Learn More
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0.65% |
$10,000 |
3.60 |
Learn More
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0.65% |
$10,000 |
0.51 |
Learn More
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0.60% |
$10,000 |
22.40 |
Learn More
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Abraham Farber | 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 |
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0.60% |
$10,000 |
13.24 |
Learn More
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0.60% |
$10,000 |
18.67 |
Learn More
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0.60% |
$10,000 |
5.50 |
Learn More
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0.50% |
$10,000 |
23.14 |
Learn More
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0.50% |
$10,000 |
16.47 |
Learn More
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0.50% |
$10,000 |
2.43 |
Learn More
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0.50% |
$100,000 |
5.23 |
Learn More
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0.40% |
$10,000 |
5.23 |
Learn More
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0.35% |
$10,000 |
12.24 |
Learn More
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0.33% |
$1,000 |
12.90 |
Learn More
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thedon | Mar 29, 2020 have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More |
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0.30% |
$50,000 |
5.11 |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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UtahJazz1 | 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 |
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0.25% |
$10,000 |
16.27 |
Learn More
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0.25% |
$10,000 |
9.16 |
Learn More
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0.25% |
$10,000 |
9.09 |
Learn More
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Lori Kroko | 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 |
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0.25% |
$10,000 |
12.30 |
Learn More
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0.20% |
$10,000 |
15.23 |
Learn More
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0.15% |
$500 |
- |
Learn More
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The Duffster | 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 |
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0.15% |
$500 |
12.84 |
Learn More
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Rate History: 0.15% → 0.30% → 0.15% |
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0.10% |
$1,000 |
5.84 |
Learn More
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0.10% |
$10,000 |
5.27 |
Learn More
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Bauhinia C | 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 |
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0.05% |
$10,000 |
24.17 |
Learn More
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Rate History: 4.75% → 0.01% → 0.05% |
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Seeko | Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More |
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0.03% |
$25,000 |
20.55 |
Learn More
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GAM | 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 |
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0.03% |
$100,000 |
15.78 |
Learn More
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Treasure | 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 |
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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