Best 18-Month CD Rates in Indiana, IN

You are viewing rates from banks across Indiana

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

IN - December 14, 2024

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
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)
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)
First Federal Savings Bank	3.80%	$500	-	Learn More Add Review
Rate History: 1.76% → 4.06% → 3.80%
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)
Merchants Bank of Indiana	3.32%	$1,000	-	Learn More
65JimmyJay \| Dec 12, 2022 Developed buyers remorse after they stopped raising the rate and switched to Brilliant. Read More Reviews (5)
Logansport Savings Bank	2.75%	$1,000	-	Learn More Add Review
First Robinson Savings Bank, National Association	2.27%	$0	-	Learn More Add Review
Rate History: 2.17% → 2.27%
State Bank of Medora	2.27%	$500	-	Learn More Add Review
Rate History: 4.70% → 4.18% → 3.56% → 2.27%
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)
USAA Federal Savings Bank	1.80%	$1,000	-	Learn More
Rate History: 4.65% → 4.20% → 4.05% → 2.80% → 1.80%
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)
Hingham Institution for Savings	1.75%	$1,000	-	Learn More Add Review
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)
Centier Bank	1.25%	$1,000	-	Learn More Add Review
Lake City Bank	1.00%	$10,000	-	Learn More Add Review
Rate History: 3.25% → 1.00%
The First National Bank of Monterey	1.00%	$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 Napoleon State Bank	0.90%	$100,000	-	Learn More Add Review
Community First Bank of Indiana	0.90%	$1,000	-	Learn More Add Review
Civista Bank	0.90%	$100,000	-	Learn More
Disappointed \| Feb 5, 2020 We used Civista Bank for a mortgage loan because they gave me the best rate of 3.5 for my over 800 credit rating with no points and locked it in for 2 months. Other banks offering the same rate but would n... Read More Reviews (2)
The Napoleon State Bank	0.85%	$10,000	-	Learn More Add Review
First Federal Savings Bank	0.85%	$10,000	-	Learn More Add Review
Civista Bank	0.85%	$10,000	-	Learn More
Disappointed \| Feb 5, 2020 We used Civista Bank for a mortgage loan because they gave me the best rate of 3.5 for my over 800 credit rating with no points and locked it in for 2 months. Other banks offering the same rate but would n... Read More Reviews (2)
Greenfield Banking Company	0.65%	$1,000	-	Learn More Add Review
Rate History: 0.65% → 0.60% → 0.65% → 0.60% → 0.65%
Union Savings Bank	0.65%	$10,000	-	Learn More
Patty \| Mar 21, 2020 Well here comes good old Union Savings the absolute worst bank to deal with in the world again today. We have no money coming in right now so we did not send in the mortgage payment yet because our family ... Read More Reviews (2)
The First National Bank of Carmi	0.65%	$10,000	-	Learn More Add Review
United Fidelity Bank, fsb	0.65%	$10,000	-	Learn More Add Review
First Savings Bank of Hegewisch	0.65%	$10,000	-	Learn More Add Review
Community State Bank	0.60%	$500	-	Learn More Add Review
Tri-County Bank & Trust Company	0.60%	$10,000	-	Learn More Add Review
First Bank Richmond	0.60%	$10,000	-	Learn More Add Review
Field & Main Bank	0.60%	$10,000	-	Learn More Add Review
Bath State Bank	0.56%	$100,000	-	Learn More Add Review
The Home National Bank of Thorntown	0.55%	$100,000	-	Learn More Add Review
The Home National Bank of Thorntown	0.50%	$1,000	-	Learn More Add Review
Peoples Community Bank SB of Monticello, Indiana	0.50%	$2,500	-	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)
The Farmers & Merchants State Bank	0.50%	$100,000	-	Learn More Add Review
Alliance Bank	0.50%	$100,000	-	Learn More Add Review
Kentland Bank	0.50%	$100,000	-	Learn More Add Review
The Farmers Bank, Frankfort, Indiana	0.50%	$10,000	-	Learn More Add Review
The North Salem State Bank	0.50%	$10,000	-	Learn More Add Review
The New Washington State Bank	0.50%	$10,000	-	Learn More Add Review
The Farmers Bank of Milton	0.50%	$100,000	-	Learn More Add Review
Peoples Trust and Savings Bank	0.50%	$10,000	-	Learn More Add Review
Boonville Federal Savings Bank	0.50%	$10,000	-	Learn More Add Review
Bath State Bank	0.47%	$10,000	-	Learn More Add Review
Providence Bank & Trust	0.47%	$10,000	-	Learn More Add Review
Kentland Bank	0.45%	$10,000	-	Learn More Add Review
The Peoples State Bank	0.45%	$10,000	-	Learn More
CatLT \| Mar 25, 2021 Stay away from this bank. I have never dealt with a bank that was so hard to deal with. It’s like pulling teeth to withdraw your own money. Read More Reviews (1)
Crossroads Bank	0.45%	$10,000	-	Learn More Add Review
Wayne Bank and Trust Co.	0.45%	$10,000	-	Learn More Add Review
DeMotte State Bank	0.45%	$10,000	-	Learn More Add Review
The Farmers Bank of Milton	0.45%	$500	-	Learn More Add Review
Old Plank Trail Community Bank, National Association	0.45%	$10,000	-	Learn More Add Review
The Farmers & Merchants State Bank	0.40%	$10,000	-	Learn More Add Review
Owen County State Bank	0.40%	$100,000	-	Learn More Add Review
Union Savings and Loan Association	0.40%	$10,000	-	Learn More Add Review
Alliance Bank	0.35%	$10,000	-	Learn More Add Review
Community State Bank	0.35%	$10,000	-	Learn More Add Review
WesBanco Bank, Inc.	0.35%	$10,000	-	Learn More Add Review
Republic Bank & Trust Company	0.35%	$10,000	-	Learn More
JEKuhn \| May 20, 2017 I received a check from them, misplaced it and now have found. Two years old. What now? Read More Reviews (1)
The Hicksville Bank	0.30%	$500	-	Learn More Add Review
Spencer County Bank	0.30%	$2,500	-	Learn More Add Review
The Riddell National Bank	0.30%	$500	-	Learn More Add Review
Legence Bank	0.30%	$500	-	Learn More Add Review
The Garrett State Bank	0.30%	$10,000	-	Learn More Add Review
Horizon Bank	0.30%	$10,000	-	Learn More Add Review
Security Federal Savings Bank	0.30%	$10,000	-	Learn More Add Review
Owen County State Bank	0.30%	$10,000	-	Learn More Add Review
The Fairmount State Bank	0.30%	$10,000	-	Learn More Add Review
Grant County State Bank	0.30%	$10,000	-	Learn More Add Review
Scottsburg Building and Loan Association	0.30%	$10,000	-	Learn More Add Review
Peoples Bank	0.30%	$100,000	-	Learn More Add Review
1st Source Bank	0.27%	$500	-	Learn More Add Review
First Federal Savings Bank of Angola	0.26%	$10,000	-	Learn More Add Review
Citizens Bank	0.25%	$500	-	Learn More Add Review
Farmers and Merchants Bank	0.25%	$10,000	-	Learn More Add Review
The Bippus State Bank	0.25%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Greensburg	0.25%	$10,000	-	Learn More Add Review
Horizon Bank	0.25%	$10,000	-	Learn More Add Review
The Farmers and Merchants Bank	0.25%	$10,000	-	Learn More Add Review
CentreBank	0.25%	$10,000	-	Learn More Add Review
Greenville National Bank	0.25%	$10,000	-	Learn More Add Review
FCN Bank, National Association	0.25%	$1,000	-	Learn More Add Review
Peoples Bank	0.25%	$10,000	-	Learn More Add Review
American Community Bank of Indiana	0.25%	$10,000	-	Learn More Add Review
LNB Community Bank	0.25%	$10,000	-	Learn More Add Review
Hendricks County Bank and Trust Company	0.23%	$100,000	-	Learn More Add Review
The National Bank of Indianapolis	0.22%	$100,000	-	Learn More Add Review
First State Bank of Middlebury	0.21%	$100,000	-	Learn More Add Review
First Harrison Bank	0.20%	$2,500	-	Learn More
vernon Wayne Coats \| Sep 26, 2015 Very Polite and Helpful tellers and Managers. Excellent to deal with. Read More Reviews (1)
The Farmers State Bank	0.20%	$1,000	-	Learn More Add Review
The Fountain Trust Company	0.20%	$1,000	-	Learn More Add Review
The State Bank and Trust Company	0.20%	$10,000	-	Learn More Add Review
Jackson County Bank	0.20%	$100,000	-	Learn More Add Review
First Financial Bank, National Association	0.20%	$10,000	-	Learn More Add Review
Terre Haute Savings Bank	0.20%	$10,000	-	Learn More Add Review
Hendricks County Bank and Trust Company	0.20%	$10,000	-	Learn More Add Review
First State Bank of Middlebury	0.19%	$10,000	-	Learn More Add Review
Northwest Bank	0.18%	$10,000	-	Learn More Add Review
First Merchants Bank	0.17%	$100,000	-	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)
Old National Bank	0.15%	$10,000	-	Learn More
jefflockwoodlaw2288@gmail.com \| Jul 18, 2021 I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More Reviews (2)
STAR Financial Bank	0.15%	$10,000	-	Learn More Add Review
Jackson County Bank	0.15%	$10,000	-	Learn More Add Review
Citizens State Bank of New Castle, Indiana	0.15%	$10,000	-	Learn More Add Review
First Merchants Bank	0.12%	$10,000	-	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)
The National Bank of Indianapolis	0.12%	$10,000	-	Learn More Add Review
Mutual Savings Bank	0.12%	$10,000	-	Learn More Add Review
Premier Bank	0.10%	$500	-	Learn More Add Review
First Financial Bank	0.10%	$10,000	-	Learn More Add Review
First Farmers Bank & Trust Co.	0.10%	$10,000	-	Learn More Add Review
Banterra Bank	0.10%	$10,000	-	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)
State Bank of Lizton	0.04%	$1,000	-	Learn More Add Review
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)
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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Indiana CD Rates – 18-Month

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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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