Best 18-Month CD Rates in Colorado, CO

You are viewing rates from banks across Colorado

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

CO - November 30, 2024

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
Beal Bank USA	4.20%	$1,000	-	Learn More
Rate History: 4.35% → 4.25% → 4.20%
george \| Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More Reviews (3)
Banesco USA	3.90%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 0.50% → 4.50% → 4.30% → 4.20% → 3.90%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Capital One, National Association	3.80%	$0	-	Learn More
Rate History: 4.50% → 4.45% → 4.25% → 3.90% → 3.80%
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 Reviews (14)
Bank of Hope	3.79% 0.30%	$250,000 $1,000	-	Learn More
Rate History: 4.35% → 3.95% → 4.10% → 3.80% → 3.79%
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 Reviews (1)
USAA Federal Savings Bank	2.80%	$1,000	-	Learn More
Rate History: 5.25% → 4.65% → 4.20% → 4.05% → 2.80%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Zions Bank	2.53%	$1,000	-	Learn More Add Review
Rate History: 3.05% → 2.53%
BOKF, National Association	2.45%	$100,000	-	Learn More
Rate History: 0.20% → 2.55% → 2.45%
Aku \| May 29, 2020 Dua Read More Reviews (1)
Citibank, National Association	2.45%	$0	-	Learn More
Rate History: 2.50% → 2.00% → 3.75% → 2.45%
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 Reviews (11)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Hingham Institution for Savings	1.75%	$1,000	-	Learn More Add Review
TD Bank, National Association	1.00%	$10,000	-	Learn More
Rate History: 4.50% → 1.00% → 4.00% → 1.00%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
The First National Bank in Trinidad	0.95%	$10,000	-	Learn More Add Review
First National Bank, Cortez	0.93%	$100,000	-	Learn More Add Review
Champion Bank	0.91%	$10,000	-	Learn More Add Review
American Bank of Commerce	0.90%	$10,000	-	Learn More Add Review
First National Bank	0.90%	$10,000	-	Learn More Add Review
First Pioneer National Bank	0.90%	$100,000	-	Learn More Add Review
First FarmBank	0.90%	$10,000	-	Learn More Add Review
First Western Trust Bank	0.84%	$100,000	-	Learn More Add Review
The First National Bank of Hugo	0.80%	$10,000	-	Learn More Add Review
First Western Trust Bank	0.79%	$10,000	-	Learn More Add Review
The State Bank	0.75%	$10,000	-	Learn More Add Review
First Southwest Bank	0.75%	$10,000	-	Learn More Add Review
First National Bank, Cortez	0.75%	$10,000	-	Learn More Add Review
Equitable Savings and Loan Association	0.75%	$10,000	-	Learn More Add Review
Four Corners Community Bank	0.75%	$10,000	-	Learn More
Unhappy customer definitely NOT THE BANK FOR ME! \| Sep 21, 2020 I am fed up with how poorly this bank is run. I have made deposit and given a receipt with the wrong amount more than once. I have received other customer's cancelled checks. The online bank site is a mess... Read More Reviews (1)
Rio Grande Savings and Loan Association	0.71%	$500	-	Learn More Add Review
CoreFirst Bank & Trust	0.70%	$10,000	-	Learn More Add Review
Golden Belt Bank, FSA	0.70%	$10,000	-	Learn More Add Review
RNB STATE BANK	0.70%	$100,000	-	Learn More Add Review
FirsTier Bank	0.65%	$10,000	-	Learn More Add Review
First Pioneer National Bank	0.65%	$10,000	-	Learn More Add Review
Mountain View Bank of Commerce	0.65%	$10,000	-	Learn More Add Review
Points West Community Bank	0.65%	$10,000	-	Learn More Add Review
Academy Bank, National Association	0.65%	$10,000	-	Learn More
Fran1 \| Feb 4, 2020 Academy was great helping me open a new account Read More Reviews (5)
Park State Bank & Trust	0.60%	$500	-	Learn More Add Review
Del Norte Bank	0.60%	$100,000	-	Learn More Add Review
Glacier Bank	0.60%	$10,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
NBH Bank	0.60%	$10,000	-	Learn More Add Review
Mountain Valley Bank	0.60%	$10,000	-	Learn More Add Review
Adams Bank & Trust	0.60%	$10,000	-	Learn More Add Review
Farmers Bank	0.60%	$10,000	-	Learn More
eberhard1111 \| Sep 10, 2019 215,000.00 Read More Reviews (1)
RNB STATE BANK	0.60%	$10,000	-	Learn More Add Review
GNBank, National Association	0.55%	$10,000	-	Learn More Add Review
The Farmers State Bank of Brush	0.55%	$10,000	-	Learn More Add Review
MNB BANK	0.55%	$10,000	-	Learn More Add Review
Frontier Bank	0.53%	$100,000	-	Learn More Add Review
Integrity Bank & Trust	0.50%	$10,000	-	Learn More Add Review
Rocky Mountain Bank & Trust	0.50%	$100,000	-	Learn More Add Review
Del Norte Bank	0.50%	$10,000	-	Learn More Add Review
Stockmens Bank	0.50%	$10,000	-	Learn More Add Review
High Country Bank	0.50%	$100,000	-	Learn More Add Review
Points West Community Bank	0.50%	$10,000	-	Learn More Add Review
FlatIrons Bank	0.50%	$10,000	-	Learn More Add Review
The Eastern Colorado Bank	0.50%	$10,000	-	Learn More Add Review
Frontier Bank	0.48%	$10,000	-	Learn More Add Review
High Country Bank	0.45%	$10,000	-	Learn More Add Review
Rocky Mountain Bank & Trust	0.45%	$10,000	-	Learn More Add Review
Fortis Private Bank	0.45%	$10,000	-	Learn More Add Review
FMS Bank	0.45%	$100,000	-	Learn More Add Review
North Valley Bank	0.45%	$10,000	-	Learn More Add Review
Herring Bank	0.40%	$10,000	-	Learn More
wello50 \| Jul 1, 2021 What day of the month do you report to the credit bureaus Read More Reviews (1)
Waypoint Bank	0.40%	$10,000	-	Learn More Add Review
FirstOak Bank	0.35%	$10,000	-	Learn More Add Review
First National Bank	0.35%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association	0.35%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
5Star Bank	0.35%	$10,000	-	Learn More Add Review
The Pueblo Bank and Trust Company	0.35%	$10,000	-	Learn More Add Review
FMS Bank	0.35%	$10,000	-	Learn More Add Review
Native American Bank, National Association	0.30%	$100,000	-	Learn More Add Review
The Dolores State Bank	0.30%	$100,000	-	Learn More Add Review
Redstone Bank	0.30%	$10,000	-	Learn More Add Review
InBank	0.30%	$100,000	-	Learn More
Trujillo \| Nov 9, 2023 Unhappy with ATM on Southside. I.bank with wafd they closed. Told wsfd customers can get cash with card. Employees are very nosy with slanderous gossip. I'm treated like a criminal. That why I don't use i... Read More Reviews (1)
Liberty Savings Bank, F.S.B.	0.25%	$10,000	-	Learn More Add Review
The Dolores State Bank	0.25%	$10,000	-	Learn More Add Review
Gunnison Savings and Loan Association	0.25%	$10,000	-	Learn More Add Review
Native American Bank, National Association	0.25%	$10,000	-	Learn More Add Review
UMB Bank, National Association	0.25%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
InBank	0.25%	$10,000	-	Learn More
Trujillo \| Nov 9, 2023 Unhappy with ATM on Southside. I.bank with wafd they closed. Told wsfd customers can get cash with card. Employees are very nosy with slanderous gossip. I'm treated like a criminal. That why I don't use i... Read More Reviews (1)
MidFirst Bank	0.20%	$1,000	-	Learn More
sharzns \| Jun 17, 2022 Midfirst doesn't seem to encourage any accounts other than checking. I have two. I've tried opening others, but they talk me out of it every single time. Read More Reviews (3)
Glacier Bank	0.20%	$10,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
Bank of Estes Park	0.10%	$1,000	-	Learn More Add Review
First National Bank of Omaha	0.08%	$500	-	Learn More Add Review
KeyBank National Association	0.05%	$10,000	-	Learn More
Rate History: 4.75% → 0.01% → 0.05%
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 Reviews (2)
U.S. Bank National Association	0.05%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
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 Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
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 Reviews (7)
First-Citizens Bank & Trust Company	0.02%	$500	-	Learn More
Rate History: 0.10% → 0.02% → 0.10% → 0.02%
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
Citywide Banks	0.01%	$10,000	-	Learn More Add Review

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

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PRODUCT INFORMATION

18 Month CDs - Branch Banks 2024

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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Colorado CD Rates – 18-Month

PRODUCT INFORMATION

18 Month CDs - Branch Banks 2024

The advantages of an eighteen month CD are:

The disadvantages of an eighteen month branch CDs are:

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