California

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Oakland, California CD Rates – 18-Month

You are viewing rates from banks across Oakland

 

Below are eighteen-month Certificates of Deposit (CD) rates from banks in Oakland, California . 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.

Oakland, CA - January 15, 2025

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

Rate History: 4.35% → 4.25% → 4.20%

| Jan 30, 2021

Sterling hasn't offered a 1% rate for over a year. Best one can do now is .20%. The rates shown on this site are grossly outdated. Read More

Warning: Early withdrawal penalty is 3.00%.
Rate History: 2.00% → 3.75%

| Jan 10, 2024

Applied for the Joint 5.50% Hi Yield Savings special. (Note: some places reference it is guaranteed for 6 months, other parts of website only guarantee rate for 3 months). We applied and surprising denied ... 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: 3.44% → 3.29% → 4.00% → 3.29%

Rate History: 3.05% → 2.53%

0.70%

$10,000

21.26

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0.65%

$100,000

9.87

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0.65%

$100,000

11.32

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0.65%

$100,000

13.82

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0.55%

$10,000

13.82

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0.50%

$2,500

13.82

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0.50%

$10,000

11.32

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| Dec 6, 2018

I have to say, as a local business owner, I purposefully chose to work with a 'local business bank'. I moved my checking over when I incorporated and assumed that I would go to them when my needs increased... Read More

0.45%

$10,000

3.35

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0.40%

$100,000

23.08

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0.35%

$10,000

9.87

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| Apr 15, 2019

Very friendly and helpful here. We had closed an account last year, and were not asked what we planned to do with the money or if we found a better rate elsewhere. Just thanks for banking with us...so we ... Read More

0.30%

$100,000

13.90

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0.27%

$10,000

23.08

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0.20%

$10,000

13.90

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0.10%

$10,000

9.73

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| 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

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

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

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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