Best 18-Month CD Rates in Naperville, Illinois, IL

You are viewing rates from banks across Naperville

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

Naperville, IL - December 23, 2024

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
Citibank, National Association	3.85%	$0	-	Learn More
Rate History: 2.50% → 2.00% → 3.75% → 2.45% → 3.85%
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)
Bank of Hope	3.60% 0.30%	$250,000 $1,000	-	Learn More
Rate History: 3.95% → 4.10% → 3.80% → 3.79% → 3.60%
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)
Evergreen Bank Group	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 4.60% → 4.30% → 3.90% → 3.50%
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)
International Bank of Chicago	1.75%	$1,000	-	Learn More
Rate History: 2.00% → 1.75%
Mandy \| May 8, 2021 Location: 5069 N. Broadway Chicago IL 60640 Read More Reviews (5)
BMO Bank National Association	1.70%	$1,000	-	Learn More
Rate History: 0.05% → 1.70% → 4.65% → 1.70%
Beenthere \| Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More Reviews (9)
Heartland Bank and Trust Company	1.00%	$1,500	-	Learn More Add Review
Rate History: 0.15% → 1.00%
Sterling Bank	1.00%	$10,000	13.43	Learn More
Al \| Sep 26, 2016 I think the specials have ended. can you double check? Read More Reviews (1)
Allied First Bank,sb	0.75%	$10,000	13.79	Learn More Add Review
Republic Bank of Chicago	0.75%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 0.75%
West Town Bank & Trust	0.75%	$1,000	-	Learn More Add Review
Hanmi Bank	0.65%	$100,000	2.29	Learn More Add Review
First Savings Bank of Hegewisch	0.65%	$10,000	23.15	Learn More Add Review
First State Bank	0.60%	$10,000	18.64	Learn More Add Review
American Bank and Trust Company, National Association	0.60%	$10,000	12.73	Learn More Add Review
Hometown National Bank	0.60%	$10,000	15.91	Learn More Add Review
Itasca Bank & Trust Co.	0.55%	$100,000	15.60	Learn More Add Review
Hoyne Savings Bank	0.55%	$10,000	21.31	Learn More
NotURBusiness \| Jul 9, 2021 ABSOLUTELY RIDICULOUS how this place is still around in Wheeling. Taking any more than 3 days on a loan check is UNEXCUSEABLE. Having an 800 plus credit rating. A SENIOR. Wanting to move out ofa big hou... Read More Reviews (1)
Hanmi Bank	0.50%	$10,000	2.29	Learn More Add Review
The Huntington National Bank	0.50%	$1,000	-	Learn More
Allan \| Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More Reviews (1)
Itasca Bank & Trust Co.	0.50%	$10,000	15.60	Learn More Add Review
Town Center Bank	0.50%	$10,000	20.96	Learn More Add Review
First Eagle Bank	0.50%	$2,500	14.65	Learn More Add Review
Providence Bank & Trust	0.47%	$10,000	15.83	Learn More Add Review
Midland States Bank	0.45%	$10,000	17.53	Learn More
Mikki9678 \| Nov 3, 2021 If anyone is considering using Midland States Bank for estate or trust planning and administration, I’d urge you to be careful and do your due diligence. I’ll first say that I am a CPA with experience ... Read More Reviews (2)
First Secure Community Bank	0.45%	$10,000	16.63	Learn More Add Review
Old Plank Trail Community Bank, National Association	0.45%	$10,000	9.80	Learn More Add Review
Heritage Bank of Schaumburg	0.45%	$10,000	18.10	Learn More Add Review
First Federal Savings Bank	0.40%	$10,000	20.67	Learn More Add Review
The State Bank of Geneva	0.40%	$10,000	12.15	Learn More Add Review
United Trust Bank	0.40%	$10,000	19.69	Learn More Add Review
CIBC Bank USA	0.35%	$100,000	13.64	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)
First American Bank	0.35%	$10,000	17.69	Learn More Add Review
Forest Park National Bank and Trust Company	0.35%	$100,000	19.54	Learn More Add Review
Community Bank of Elmhurst	0.30%	$10,000	12.28	Learn More Add Review
St. Charles Bank & Trust Company, National Association	0.30%	$10,000	22.48	Learn More Add Review
CIBC Bank USA	0.30%	$10,000	13.64	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)
Cathay Bank	0.30%	$50,000	-	Learn More Add Review
The First National Bank of Ottawa	0.26%	$10,000	18.15	Learn More Add Review
Barrington Bank & Trust Company, National Association	0.25%	$10,000	15.02	Learn More Add Review
BankFinancial, National Association	0.25%	$10,000	15.02	Learn More Add Review
Parkway Bank and Trust Company	0.25%	$10,000	24.97	Learn More
Ed \| Jun 20, 2019 12 month rate not 2.5. Changed to 1.5%. Read More Reviews (1)
Forest Park National Bank and Trust Company	0.25%	$1,000	19.54	Learn More Add Review
Belmont Bank & Trust Company	0.25%	$10,000	20.42	Learn More Add Review
First Bank of Manhattan	0.20%	$1,000	24.41	Learn More Add Review
Wintrust Bank, National Association	0.20%	$100,000	21.52	Learn More
business owner \| Feb 21, 2019 Please read this for all small business owners. Do NOT use wintrust for any small business loans. They drained me for over 2 months, and I constantly had to contact them to see what is up. We were told ... Read More Reviews (1)
First Merchants Bank	0.17%	$100,000	9.36	Learn More
Squittyrules83 \| Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More Reviews (4)
Central Federal Savings and Loan Association	0.15%	$500	16.27	Learn More Add Review
Old Second National Bank	0.15%	$1,000	-	Learn More Add Review
Rate History: 0.10% → 0.15%
Wheaton Bank & Trust, National Association	0.15%	$10,000	2.89	Learn More Add Review
Schaumburg Bank & Trust Company, National Association	0.15%	$10,000	14.50	Learn More Add Review
Hinsdale Bank & Trust Company, National Association	0.15%	$10,000	7.13	Learn More Add Review
Marquette Bank	0.15%	$10,000	6.96	Learn More Add Review
The Lemont National Bank	0.15%	$10,000	9.95	Learn More Add Review
Wintrust Bank, National Association	0.15%	$10,000	21.52	Learn More
business owner \| Feb 21, 2019 Please read this for all small business owners. Do NOT use wintrust for any small business loans. They drained me for over 2 months, and I constantly had to contact them to see what is up. We were told ... Read More Reviews (1)
Amalgamated Bank of Chicago	0.14%	$100,000	3.19	Learn More Add Review
First Merchants Bank	0.12%	$10,000	9.36	Learn More
Squittyrules83 \| Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More Reviews (4)
Liberty Bank for Savings	0.12%	$10,000	23.56	Learn More
Doug \| Aug 22, 2017 $100K min on new CD's. They will not bend. So had to take $170K to another bank, now @ 2.5%. Read More Reviews (1)
Village Bank and Trust, National Association	0.10%	$10,000	24.45	Learn More Add Review
Amalgamated Bank of Chicago	0.09%	$1,000	3.19	Learn More Add Review
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)
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.

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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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Naperville, Illinois 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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