Best 18-Month CD Rates in Boston, Massachusetts, MA

You are viewing rates from banks across Boston

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

Boston, MA - November 27, 2024

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
MutualOne Bank	5.25%	$500	18.01	Learn More
Rate History: 5.00% → 5.30% → 5.40% → 5.25%
Thomas DeMauro \| Aug 28, 2022 Rates are totally uncompetitive now. Read More Reviews (11)
Dedham Institution for Savings	4.50%	$1,000	-	Learn More Add Review
Salem Five Cents Savings Bank	4.25%	$500	18.45	Learn More
Rate History: 0.25% → 4.25%
DMuessig \| Jan 8, 2018 Another bad bank! Did a hard pull just to open a checking account with no overdraft and denied me. Never even bothered to send a letter or e-mail. Now I have another inquiry on my credit report for nothin... Read More Reviews (2)
Middlesex Savings Bank	4.25%	$10	-	Learn More
Rate History: 5.00% → 4.75% → 4.05% → 4.25%
Stephen Clinton \| Jan 9, 2021 Used to be a good bank!! Taking money out of my account for something I did not purchase. This is the second time they did this. They do it on Fridays knowing that no one from the Fraud Department isn't th... Read More Reviews (1)
Everett Co-operative Bank	4.25% 0.65%	$501 $500	-	Learn More Add Review
Rate History: 1.00% → 5.00% → 4.25%
StonehamBank, A Co-operative Bank	4.25%	$1,000	-	Learn More Add Review
Rate History: 4.40% → 4.25% → 4.00% → 3.75% → 4.25%
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)
Winchester Co-operative Bank	4.05%	$500	-	Learn More Add Review
Rate History: 4.25% → 4.50% → 4.05%
North Shore Bank, a Co-operative Bank	4.00%	$1,000	-	Learn More Add Review
Northern Bank & Trust Company	4.00%	$500	-	Learn More Add Review
Rate History: 0.55% → 3.75% → 4.00%
Bluestone Bank	4.00%	$2,000	-	Learn More Add Review
Rate History: 4.50% → 0.15% → 5.00% → 4.50% → 4.00%
The National Grand Bank of Marblehead	3.75%	$1,000	-	Learn More Add Review
Needham Bank	3.75%	$1,000	-	Learn More
Shawn \| Feb 14, 2022 I had a personal checking account and a business account. All went well until I sent a polite letter pointing out that it is improper, and not good practice, to make online passwords expire. Why should ... Read More Reviews (2)
Walpole Co-operative Bank	3.75%	$0	-	Learn More Add Review
Rate History: 1.70% → 4.25% → 4.10% → 3.80% → 3.75%
BankGloucester	3.75%	$500	-	Learn More Add Review
Rate History: 1.00% → 4.12% → 3.75%
The Village Bank	3.50%	$20	-	Learn More
Rate History: 3.50% → 4.25% → 4.50% → 3.75% → 3.50%
Andrea \| Apr 18, 2017 Village Bank currently has a 15 mo. CD special at 1.50% Read More Reviews (1)
Pentucket Bank	3.14%	$500	-	Learn More Add Review
Rate History: 3.30% → 3.14%
Marblehead Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.25% → 3.00%
South Shore Bank	2.50%	$1,000	-	Learn More Add Review
Rate History: 2.00% → 4.50% → 4.38% → 4.00% → 2.50%
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
Leader Bank, National Association	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 1.50%
Bank of Easton	1.25%	$500	-	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)
Cape Ann Savings Bank	0.75%	$500	-	Learn More Add Review
Rate History: 1.00% → 3.30% → 0.75%
Winchester Savings Bank	0.70%	$10,000	9.61	Learn More Add Review
Coastal Heritage Bank	0.70%	$10,000	8.62	Learn More Add Review
Enterprise Bank and Trust Company	0.60%	$10,000	23.80	Learn More Add Review
MountainOne Bank	0.55%	$10,000	8.58	Learn More Add Review
Brookline Bank	0.50%	$10,000	14.43	Learn More
Bill Quinn \| Feb 21, 2015 Interesting. Is there an approximate Texas ratio for a bank at which other banks may become very interested in an acquisition. Read More Reviews (1)
Berkshire Bank	0.50%	$10,000	19.01	Learn More
Run \| Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read More Reviews (2)
Winter Hill Bank, FSB	0.50%	$10,000	5.21	Learn More Add Review
Washington Savings Bank	0.50%	$500	-	Learn More Add Review
Rate History: 2.25% → 0.50%
Institution for Savings in Newburyport and Its Vicinity	0.50%	$500	-	Learn More
Rate History: 0.50% → 0.75% → 2.25% → 0.50%
Karen nicoli \| Jan 23, 2017 2.50 Read More Reviews (1)
Middlesex Federal Savings, F.A.	0.45%	$500	-	Learn More Add Review
Rate History: 3.75% → 0.45%
Colonial Federal Savings Bank	0.45%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 0.45%
Commonwealth Co-operative Bank	0.40%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 0.40%
East Cambridge Savings Bank	0.40%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 0.40%
Eagle Bank	0.35%	$500	-	Learn More Add Review
Rate History: 4.40% → 4.31% → 4.10% → 0.35%
Cathay Bank	0.30%	$50,000	-	Learn More Add Review
OneLocal Bank	0.30%	$500	-	Learn More Add Review
Stoughton Co-operative Bank	0.30%	$500	-	Learn More Add Review
Wakefield Co-operative Bank	0.25%	$500	-	Learn More Add Review
Webster Bank, National Association	0.20%	$10,000	17.28	Learn More Add Review
The Savings Bank	0.20%	$1,000	-	Learn More Add Review
Eastern Bank	0.10%	$10,000	17.65	Learn More
marcus \| Nov 1, 2021 worst bank ever and they racist ruth bitchell and the rest of them ban frontline workers that complain about their mistakes this only happens to blacks Read More Reviews (1)
Watertown Savings Bank	0.10%	$10,000	12.19	Learn More
Denyse DuBrucq \| Jan 1, 2016 I very much prefer banking here. Everyone is so friendly and know who is calling by voice. Your help getting me through this year where I did as much as possible to launch my business, CryoRain Inc., is ... 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)

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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Boston, Massachusetts 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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