Best 18-Month CD Rates in Kentucky, KY

You are viewing rates from banks across Kentucky

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

KY - November 7, 2024

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
American Bank & Trust Company, Inc.	5.05%	$1,000	-	Learn More Add Review
Rate History: 4.75% → 5.05%
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)
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)
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
Meade County Bank	1.25%	$10,000	-	Learn More Add Review
Citizens Federal Savings and Loan Association	1.10%	$10,000	-	Learn More Add Review
United Community Bank of West Kentucky, Inc.	1.00%	$10,000	-	Learn More
Norval Baird \| Apr 15, 2020 There is room for improvement in any business. And UCB Is at top of list for lack of need for improvement . They have always been at their best in terms of overall management, firm loan management, fr... Read More Reviews (1)
First State Bank	1.00%	$10,000	-	Learn More Add Review
First Federal Savings Bank of Kentucky	1.00%	$10,000	-	Learn More
CD Dreamer \| Aug 17, 2015 I can only dream about CD rates returning to these levels like the 1970's. Read More Reviews (6)
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)
Bank of Clarkson	0.90%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association	0.90%	$10,000	-	Learn More Add Review
The Cecilian Bank	0.85%	$1,000	-	Learn More
Machjen \| Oct 10, 2023 Horrible. Turned me into collections for a paid off loan that was never late then tried to blame me for paying it online...i actually verified at the drive threw that it was paid in full...also held a lar... Read More Reviews (1)
Magnolia Bank	0.85%	$500	-	Learn More
fartoomany \| Sep 20, 2019 100 day cd 2.85% Read More Reviews (1)
The Sacramento Deposit Bank	0.85%	$100,000	-	Learn More Add Review
River City Bank, Inc.	0.85%	$10,000	-	Learn More
BBN \| Aug 28, 2021 The posted rates for River City Bank are not accurate. I have inquired at the bank more than once. Read More Reviews (2)
West Point Bank	0.80%	$10,000	-	Learn More Add Review
Eclipse Bank, Inc.	0.80%	$10,000	-	Learn More Add Review
Heritage Bank, Inc.	0.75%	$500	-	Learn More Add Review
Bank of Edmonson County	0.75%	$100,000	-	Learn More Add Review
The Citizens Bank	0.70%	$10,000	-	Learn More Add Review
First United Bank and Trust Company	0.70%	$10,000	-	Learn More Add Review
South Central Bank, Inc.	0.70%	$10,000	-	Learn More Add Review
Bank of Buffalo	0.70%	$10,000	-	Learn More Add Review
Security Bank and Trust Company	0.65%	$10,000	-	Learn More Add Review
Franklin Bank & Trust Company	0.65%	$100,000	-	Learn More Add Review
Forcht Bank, National Association	0.65%	$10,000	-	Learn More Add Review
Guardian Savings Bank, A Federal Savings Bank	0.65%	$10,000	-	Learn More
Wfransdell@gmail.com \| Oct 29, 2017 Excellentr Read More Reviews (1)
Clinton Bank	0.63%	$10,000	-	Learn More Add Review
Taylor County Bank	0.60%	$500	-	Learn More Add Review
Bank of Edmonson County	0.60%	$10,000	-	Learn More Add Review
The Sacramento Deposit Bank	0.60%	$10,000	-	Learn More Add Review
Field & Main Bank	0.60%	$10,000	-	Learn More Add Review
South Central Bank, Inc.	0.60%	$10,000	-	Learn More Add Review
The Lincoln National Bank of Hodgenville	0.60%	$100,000	-	Learn More Add Review
Home Savings Bank, FSB	0.60%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Company	0.60%	$10,000	-	Learn More Add Review
United Citizens Bank of Southern Kentucky	0.60%	$10,000	-	Learn More Add Review
The First National Bank of Manchester	0.60%	$100,000	-	Learn More Add Review
The Murray Bank	0.55%	$1,000	-	Learn More Add Review
The Farmers Bank	0.55%	$500	-	Learn More Add Review
First Kentucky Bank, Inc.	0.55%	$100,000	-	Learn More Add Review
Franklin Bank & Trust Company	0.55%	$10,000	-	Learn More Add Review
Hyden Citizens Bank	0.55%	$10,000	-	Learn More Add Review
Peoples Exchange Bank	0.50%	$10,000	-	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)
Independence Bank of Kentucky	0.50%	$10,000	-	Learn More
Pearl Girl GA \| Mar 30, 2023 Independence Bank 1776 Owensboro has been our partner for more than 20 years. We moved have lived in several states for work and we always got great service. One of the most outstanding feats of service o... Read More Reviews (1)
South Central Bank, Inc.	0.50%	$10,000	-	Learn More Add Review
Commonwealth Community Bank, Inc.	0.50%	$10,000	-	Learn More Add Review
The Farmers Bank of Milton	0.50%	$100,000	-	Learn More Add Review
Bedford Loan & Deposit Bank	0.50%	$10,000	-	Learn More Add Review
Citizens Bank of Kentucky, Inc.	0.50%	$10,000	-	Learn More Add Review
First & Farmers National Bank, Inc.	0.50%	$10,000	-	Learn More Add Review
Bank of Columbia	0.50%	$10,000	-	Learn More Add Review
Bank of Jamestown	0.50%	$10,000	-	Learn More
houston0800 \| Sep 14, 2020 Jamestown KY Read More Reviews (17)
Jackson County Bank	0.50%	$10,000	-	Learn More Add Review
The First National Bank of Manchester	0.50%	$10,000	-	Learn More Add Review
The Farmers Bank of Milton	0.45%	$500	-	Learn More Add Review
First & Peoples Bank and Trust Company	0.45%	$100,000	-	Learn More Add Review
United Cumberland Bank	0.45%	$10,000	-	Learn More Add Review
Springfield State Bank	0.41%	$500	-	Learn More Add Review
Lewisburg Banking Company	0.40%	$1,000	-	Learn More
kateast \| Jun 7, 2018 Friendly people; good place to do business. Read More Reviews (1)
First Financial Bank, National Association	0.40%	$10,000	-	Learn More Add Review
Bank of Cadiz and Trust Company	0.40%	$10,000	-	Learn More Add Review
United Southern Bank	0.40%	$10,000	-	Learn More Add Review
Auburn Banking Company	0.40%	$10,000	-	Learn More Add Review
Morgantown Bank & Trust Company, Incorporated	0.40%	$10,000	-	Learn More Add Review
South Central Bank, Inc.	0.40%	$10,000	-	Learn More Add Review
The Lincoln National Bank of Hodgenville	0.40%	$10,000	-	Learn More Add Review
FIRST NATIONAL BANK OF KENTUCKY	0.40%	$1,000	-	Learn More Add Review
Peoples Bank of Kentucky, Inc.	0.40%	$10,000	-	Learn More Add Review
The First National Bank of Brooksville	0.40%	$10,000	-	Learn More Add Review
Pinnacle Bank, Inc.	0.40%	$10,000	-	Learn More Add Review
First & Peoples Bank and Trust Company	0.40%	$10,000	-	Learn More Add Review
The Commercial Bank of Grayson	0.40%	$10,000	-	Learn More Add Review
Kentucky Farmers Bank Corporation	0.40%	$10,000	-	Learn More Add Review
Cumberland Valley National Bank & Trust Company	0.40%	$10,000	-	Learn More Add Review
Citizens Bank	0.40%	$10,000	-	Learn More Add Review
Peoples Exchange Bank	0.40%	$10,000	-	Learn More Add Review
Farmers & Traders Bank of Campton	0.37%	$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)
FirstBank	0.35%	$10,000	-	Learn More Add Review
WesBanco Bank, Inc.	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)
Whitaker Bank	0.35%	$10,000	-	Learn More
z h \| Nov 18, 2020 I had a charge that wasn't authorized, and they told me there is nothing they can do about it because in the past it was authorized. Are you serious? So if someone takes your card and goes to Walmart.com a... Read More Reviews (2)
FIRST STATE BANK OF THE SOUTHEAST, INC	0.35%	$10,000	-	Learn More Add Review
Hometown Bank of Corbin, Inc.	0.35%	$10,000	-	Learn More Add Review
Farmers State Bank	0.35%	$1,000	-	Learn More Add Review
The First National Bank of Williamson	0.35%	$100,000	-	Learn More Add Review
First Community Bank of the Heartland, Inc.	0.31%	$500	-	Learn More Add Review
Commercial Bank	0.30%	$500	-	Learn More Add Review
The Farmers National Bank of Lebanon	0.30%	$500	-	Learn More Add Review
The Monticello Banking Company	0.30%	$500	-	Learn More
Marty Clark \| May 31, 2024 This bank tells you one thing and does another, my experience with them was awful, my account stayed gomed up you could deposit money on Friday and it might not be there showing till Tuesday or later,I'v... Read More Reviews (1)
Veritex Community Bank	0.30%	$10,000	-	Learn More Add Review
The Peoples Bank	0.30%	$10,000	-	Learn More Add Review
The First National Bank of Williamson	0.25%	$10,000	-	Learn More Add Review
Bank of Maysville	0.25%	$10,000	-	Learn More Add Review
PBK BANK, INC.	0.25%	$10,000	-	Learn More Add Review
Home Federal Bank Corporation	0.25%	$10,000	-	Learn More Add Review
The Paducah Bank and Trust Company	0.24%	$5,000	-	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)
FNB Bank, Inc.	0.20%	$1,000	-	Learn More Add Review
Wilson & Muir Bank & Trust Company	0.20%	$10,000	-	Learn More Add Review
Security Bank and Trust Co.	0.20%	$10,000	-	Learn More Add Review
Traditional Bank, Inc.	0.20%	$10,000	-	Learn More Add Review
The Peoples Bank	0.20%	$10,000	-	Learn More Add Review
The Farmers National Bank of Danville	0.20%	$10,000	-	Learn More Add Review
Bank of Lexington, Inc.	0.20%	$10,000	-	Learn More Add Review
Farmers Bank and Trust Company	0.15%	$500	-	Learn More Add Review
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)
The Citizens National Bank of Somerset	0.15%	$1,000	-	Learn More
preachjon@gmail.com \| Mar 26, 2021 So my bank citizens national bank of Somerset ky. They have previously in the past deposited the wrong person's tax account into my account and taking it back out without my whereabouts which made my accou... Read More Reviews (1)
The Citizens National Bank of Lebanon	0.10%	$10,000	-	Learn More Add Review
Sebree Deposit Bank	0.10%	$500	-	Learn More Add Review
First Kentucky Bank, Inc.	0.10%	$10,000	-	Learn More Add Review
Banterra Bank	0.10%	$10,000	-	Learn More Add Review
First Southern National Bank	0.10%	$10,000	-	Learn More Add Review
First Financial 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)
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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Kentucky 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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