Best 18-Month CD Rates in Georgia, GA

You are viewing rates from banks across Georgia

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

GA - November 5, 2024

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
Touchmark National Bank	4.50%	$1,000	-	Learn More Add Review
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)
Loyal Trust Bank	4.00%	$1,000	-	Learn More Add Review
New Millennium Bank	4.00%	$500	-	Learn More Add Review
Rate History: 4.85% → 4.25% → 4.85% → 4.50% → 4.00%
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	3.90%	$0	-	Learn More
Rate History: 4.70% → 4.50% → 4.45% → 4.25% → 3.90%
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)
Hyperion Bank	3.75%	$500	-	Learn More Add Review
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)
American Commerce Bank, National Association	2.50%	$500	-	Learn More Add Review
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
South Coast Bank & Trust	1.10%	$10,000	-	Learn More Add Review
First State Bank	1.00%	$10,000	-	Learn More Add Review
Community Bank of Georgia	1.00%	$10,000	-	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)
Tandem Bank	0.90%	$10,000	-	Learn More Add Review
The Piedmont Bank	0.85%	$10,000	-	Learn More Add Review
Georgia Primary Bank	0.85%	$10,000	-	Learn More Add Review
Bank of Dawson	0.80%	$10,000	-	Learn More Add Review
United National Bank	0.75%	$10,000	-	Learn More Add Review
North Georgia National Bank	0.75%	$10,000	-	Learn More Add Review
Oconee State Bank	0.75%	$10,000	-	Learn More
Carol Walters \| Mar 29, 2021 I have had problems with Oconee State Bank blocking purchases I made online from a legitimate business for pet products. They block it because the seller is in the UK, even though I have purchased from the... Read More Reviews (1)
First IC Bank	0.75%	$10,000	-	Learn More Add Review
Talbot State Bank	0.75%	$10,000	-	Learn More
ronald.burrell673@gmail.com \| Aug 11, 2019 We have trouble with them crediting payments made on time, by the time point Aand B get your payment and record it, you are always seen as a late payment. This just drives me crazy, also, they don't do all... Read More Reviews (1)
Georgia Community Bank	0.75%	$10,000	-	Learn More Add Review
First State Bank of Blakely	0.75%	$10,000	-	Learn More Add Review
ServisFirst Bank	0.71%	$10,000	-	Learn More Add Review
Wilkinson County Bank	0.70%	$10,000	-	Learn More Add Review
Bank of Eastman	0.70%	$10,000	-	Learn More Add Review
First Chatham Bank	0.70%	$10,000	-	Learn More
314201 \| Sep 18, 2018 I have been a satisfied customer at the Hodgson Memorial branch. The customer service is always excellent. Jenny Collins has been especially helpful and professional. Read More Reviews (1)
BankSouth	0.70%	$10,000	-	Learn More Add Review
Wallis Bank	0.70%	$100,000	-	Learn More Add Review
First Port City Bank	0.70%	$10,000	-	Learn More Add Review
Century Bank and Trust	0.70%	$10,000	-	Learn More Add Review
Exchange Bank	0.70%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank	0.70%	$10,000	-	Learn More Add Review
OneSouth Bank	0.65%	$10,000	-	Learn More Add Review
CoastalStates Bank	0.65%	$10,000	-	Learn More Add Review
American Pride Bank	0.65%	$10,000	-	Learn More
Lily \| Dec 14, 2021 no reveiw Read More Reviews (1)
First National Community Bank	0.65%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank	0.65%	$10,000	-	Learn More Add Review
F & M Bank and Trust Company	0.60%	$10,000	-	Learn More Add Review
Wallis Bank	0.60%	$10,000	-	Learn More Add Review
Citizens Bank & Trust, Inc.	0.60%	$500	-	Learn More Add Review
The Peoples Bank	0.60%	$10,000	-	Learn More Add Review
State Bank of Cochran	0.60%	$10,000	-	Learn More Add Review
Bank of Dade	0.60%	$1,000	-	Learn More Add Review
First Peoples Bank	0.55%	$10,000	-	Learn More Add Review
Commercial Banking Company	0.55%	$10,000	-	Learn More Add Review
First National Bank of Decatur County	0.55%	$10,000	-	Learn More Add Review
Bank of Hazlehurst	0.55%	$10,000	-	Learn More Add Review
Signature Bank of Georgia	0.55%	$1,000	-	Learn More Add Review
Peoples Bank	0.55%	$10,000	-	Learn More Add Review
First Bank of Coastal Georgia	0.55%	$100,000	-	Learn More Add Review
South State Bank, National Association	0.50%	$500	-	Learn More
Justice \| Jul 22, 2021 This is a criminal lender and the worst bank. They merged with CenterState Bank.. They have made our lives miserable with a wrongful, fraudulent foreclosure. We will be starting a Website with all of the ... Read More Reviews (2)
The Security State Bank	0.50%	$10,000	-	Learn More Add Review
PrimeSouth Bank	0.50%	$10,000	-	Learn More Add Review
The Citizens National Bank of Quitman	0.50%	$10,000	-	Learn More Add Review
First Southern Bank	0.50%	$10,000	-	Learn More Add Review
Bank of Monticello	0.50%	$10,000	-	Learn More Add Review
Durden Banking Company, Incorporated	0.50%	$10,000	-	Learn More Add Review
Bank of Dudley	0.50%	$10,000	-	Learn More Add Review
Pinnacle Bank	0.50%	$500	-	Learn More Add Review
First Bank of Coastal Georgia	0.50%	$10,000	-	Learn More Add Review
The Claxton Bank	0.50%	$10,000	-	Learn More Add Review
Guardian Bank	0.50%	$10,000	-	Learn More
A \| Aug 21, 2019 Guardian bank is the worst company I’ve ever try to do business with me and my husband went to them for a refinance the lender submitted a application for a loan that was not fitting the needs we wante... Read More Reviews (1)
Morris Bank	0.45%	$10,000	-	Learn More
Samantha \| Dec 14, 2021 Awesome i lost half my money and they paid me triple Read More Reviews (1)
PeoplesSouth Bank	0.45%	$10,000	-	Learn More Add Review
Waycross Bank & Trust	0.45%	$500	-	Learn More Add Review
Flint Community Bank	0.45%	$10,000	-	Learn More Add Review
South Georgia Banking Company	0.45%	$10,000	-	Learn More Add Review
The Commercial Bank	0.40%	$10,000	-	Learn More Add Review
Sunmark Community Bank	0.40%	$10,000	-	Learn More Add Review
Oconee Federal Savings and Loan Association	0.40%	$10,000	-	Learn More
Bonjo \| Nov 10, 2022 Sammi rude I feel she gets mad if she has to do anything Seneca up town bank like she is scholing me no people skills very moody needs to be talked to Read More Reviews (1)
First Bank of Pike	0.40%	$10,000	-	Learn More Add Review
The Citizens Bank of Cochran	0.40%	$10,000	-	Learn More Add Review
Southern States Bank	0.40%	$10,000	-	Learn More Add Review
Altamaha Bank and Trust Company	0.40%	$10,000	-	Learn More Add Review
Northeast Georgia Bank	0.38%	$10,000	-	Learn More Add Review
First American Bank and Trust Company	0.35%	$10,000	-	Learn More Add Review
FSNB, National Association	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)
FirstBank	0.35%	$10,000	-	Learn More Add Review
CIBC Bank USA	0.35%	$100,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
Citizens Bank of the South	0.35%	$500	-	Learn More Add Review
Queensborough National Bank & Trust Company	0.35%	$10,000	-	Learn More Add Review
Planters First Bank	0.35%	$10,000	-	Learn More Add Review
Metro City Bank	0.33%	$1,000	-	Learn More
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 Reviews (1)
First Volunteer Bank	0.30%	$1,000	-	Learn More
GOb \| Dec 18, 2023 They will not cash savings bonds for non-account holders Read More Reviews (5)
CIBC Bank USA	0.30%	$10,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
The Geo. D. Warthen Bank	0.30%	$10,000	-	Learn More Add Review
AB&T	0.30%	$10,000	-	Learn More Add Review
Carver State Bank	0.30%	$10,000	-	Learn More Add Review
Southeastern Bank	0.25%	$10,000	-	Learn More Add Review
The Farmers Bank	0.25%	$10,000	-	Learn More Add Review
First National Bank of Griffin	0.25%	$10,000	-	Learn More Add Review
Shinhan Bank America	0.25%	$10,000	-	Learn More
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 Reviews (1)
Renasant Bank	0.25%	$10,000	-	Learn More
rand \| Mar 25, 2019 CDs shown are not offered in Knoxville area Read More Reviews (1)
Rabun County Bank	0.20%	$500	-	Learn More Add Review
Security Federal Bank	0.20%	$10,000	-	Learn More
Angry \| Aug 8, 2022 DO NOT USE THIS BANK!!!! My brother passed and unfortunately he had a savings account with these thieves. I properly went through probate court and got an Order for the bank to release the funds to me and... Read More Reviews (2)
Southeast First National Bank	0.20%	$10,000	-	Learn More Add Review
Peoples Bank of East Tennessee	0.20%	$10,000	-	Learn More Add Review
Ameris Bank	0.20%	$10,000	-	Learn More
COLETTE B \| May 30, 2022 I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read More Reviews (4)
Bank of Eastman	0.20%	$10,000	-	Learn More Add Review
United Bank	0.20%	$10,000	-	Learn More Add Review
Capital City Bank	0.20%	$100,000	-	Learn More
Scrappy \| Mar 10, 2021 HORRIBLE !!!! JUST RUN AS FAST AS YOU CAN AWAY FROM THIS BANK..Save yourself the hassle of dealing with them. Read More Reviews (1)
First Community Bank	0.15%	$10,000	-	Learn More Add Review
Colony Bank	0.15%	$10,000	-	Learn More Add Review
Citizens Trust Bank	0.15%	$10,000	-	Learn More Add Review
East West Bank	0.10%	$10,000	-	Learn More
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 Reviews (2)
River City Bank	0.10%	$10,000	-	Learn More Add Review
First Century Bank, National Association	0.10%	$10,000	-	Learn More Add Review
Capital City Bank	0.10%	$10,000	-	Learn More
Scrappy \| Mar 10, 2021 HORRIBLE !!!! JUST RUN AS FAST AS YOU CAN AWAY FROM THIS BANK..Save yourself the hassle of dealing with them. Read More Reviews (1)
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)
Regions Bank	0.03% 0.01%	$2,501 $2,500	-	Learn More Add Review
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)
Fifth Third Bank, National Association	0.01%	$500	-	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)

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

See rates for Online Banks →

See rates for Credit Unions →

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 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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates

Cash Savings

Product:

Average Rate:

Best Rate:

Years at Rate:

Tax Rate:

CD Products by State

CD Products by City in Georgia

CD Resources

Download a Free eBook

Bank On It:
The No Risk Way To Boost Your Savings

Download

BestCashCow
Guide To Credit Card Travel Rewards

Download

65 Questions to Ask before Choosing a CD

Download

The Insider's Guide
to
Mortgages

Download

Plan and Optimize Your Finances

Georgia 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:

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in Georgia

Download a Free eBook