Best 18-Month CD Rates in Massachusetts, MA

You are viewing rates from banks across Massachusetts

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

MA - November 20, 2024

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
MutualOne Bank	5.25%	$500	-	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
TrustCo Bank	4.25%	$500	-	Learn More
Rate History: 0.10% → 4.25%
Mark Fitzpatrick \| Apr 4, 2016 I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... Read More Reviews (1)
Salem Five Cents Savings Bank	4.25%	$500	-	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%
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)
Walpole Co-operative Bank	3.80%	$0	-	Learn More Add Review
Rate History: 1.70% → 4.25% → 4.10% → 3.80%
The National Grand Bank of Marblehead	3.75%	$1,000	-	Learn More Add Review
Charles River Bank	3.75%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.75%
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)
HarborOne Bank	3.75%	$1,000	-	Learn More
Rate History: 0.50% → 4.50% → 4.10% → 3.35% → 3.75%
Jacob \| Jan 30, 2020 Find branch personnel are genuinely interested in my business. Read More Reviews (2)
BankGloucester	3.75%	$500	-	Learn More Add Review
Rate History: 1.00% → 4.12% → 3.75%
Avidia Bank	3.56%	$1,000	-	Learn More
Rate History: 3.98% → 4.50% → 4.08% → 4.70% → 3.56%
sur \| Aug 16, 2019 Deceptive Sales Practices: Huge Penalties What an awakening! Without any clear statement, and nothing at all on its website, Avidia charged us 50% of the CD’s FULL TERM interest, including both paid... Read More Reviews (1)
Haverhill Bank	3.50%	$500	-	Learn More Add Review
Rate History: 3.75% → 4.59% → 3.90% → 3.75% → 3.50%
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)
Newburyport Five Cents Savings Bank	3.50%	$500	-	Learn More
Richard Cushing \| Mar 27, 2019 Still waiting for a call back from Liz over a long standing,annoying account problem Read More Reviews (1)
Cape Cod Co-operative Bank	3.50%	$500	-	Learn More Add Review
Rate History: 4.25% → 4.60% → 4.35% → 4.00% → 3.50%
Bristol County Savings Bank	3.46%	$1,000	-	Learn More Add Review
Rate History: 4.08% → 3.82% → 3.56% → 3.46%
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%
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)
Seamen's Bank	2.75%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 2.75%
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)
Methuen Co-operative Bank	2.00%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 2.00%
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
Lee Bank	1.50%	$500	-	Learn More Add Review
Bay State Savings Bank	1.50%	$1,000	-	Learn More Add Review
Mechanics Cooperative Bank	1.50%	$500	-	Learn More Add Review
Leader Bank, National Association	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 1.50%
Dean Co-operative Bank	1.25%	$500	-	Learn More Add Review
Bank of Easton	1.25%	$500	-	Learn More Add Review
Savers Co-operative Bank	1.02%	$500	-	Learn More Add Review
Rate History: 1.28% → 1.02%
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)
Rollstone Bank & Trust	0.85%	$500	-	Learn More Add Review
Salem Co-operative Bank	0.75%	$10,000	-	Learn More Add Review
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	-	Learn More Add Review
Coastal Heritage Bank	0.70%	$10,000	-	Learn More Add Review
The Provident Bank	0.60%	$500	-	Learn More Add Review
Enterprise Bank and Trust Company	0.60%	$10,000	-	Learn More Add Review
Adams Community Bank	0.55%	$10	-	Learn More Add Review
MountainOne Bank	0.55%	$10,000	-	Learn More Add Review
North Brookfield Savings Bank	0.55%	$25	-	Learn More
Rate History: 1.00% → 0.55%
Incompetent and dishonest \| Apr 21, 2020 Expect to not have e-mails responded to properly or phone calls returned. this is the type of institution that you will be dealing with if you go here Read More Reviews (1)
Brookline Bank	0.50%	$10,000	-	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	-	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)
Greenfield Savings Bank	0.50%	$10	-	Learn More Add Review
Rate History: 0.45% → 0.50%
Athol Savings Bank	0.50%	$500	-	Learn More Add Review
Rate History: 1.00% → 0.50%
Cornerstone Bank	0.50%	$10,000	-	Learn More Add Review
Main Street Bank	0.50%	$10,000	-	Learn More Add Review
Milford Federal Bank	0.50%	$10,000	-	Learn More
cfcbjm \| Nov 5, 2020 Appalling customer service! Don't answer the phone, a simple credit line takes days & a mountain of paperwork - absolutely not worth the trouble! Read More Reviews (1)
Winter Hill Bank, FSB	0.50%	$10,000	-	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)
North Easton Savings Bank	0.50%	$500	-	Learn More
CS \| Sep 3, 2020 Went in to open accounts in Middleboro foy my husband and myself as well as one for my grandson. Without being invited into an office I was asked from across the room if I was opening accounts for the chi... Read More Reviews (2)
The Pittsfield Co-operative Bank	0.45%	$10,000	-	Learn More Add Review
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%
Bank Hometown	0.40%	$1,000	-	Learn More Add Review
NBT Bank, National Association	0.40%	$10,000	-	Learn More Add Review
Commonwealth Co-operative Bank	0.40%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 0.40%
Greenfield Co-operative Bank	0.40%	$10,000	-	Learn More Add Review
Bank of New England	0.40%	$10,000	-	Learn More Add Review
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%
Wrentham Co-operative Bank	0.35%	$500	-	Learn More Add Review
Fall River Five Cents Savings Bank	0.35%	$500	-	Learn More Add Review
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
Easthampton Savings Bank	0.25%	$1,000	-	Learn More Add Review
Rate History: 5.12% → 5.00% → 0.25%
Clinton Savings Bank	0.25%	$10	-	Learn More Add Review
Wakefield Co-operative Bank	0.25%	$500	-	Learn More Add Review
Webster Bank, National Association	0.20%	$10,000	-	Learn More Add Review
Monson Savings Bank	0.20%	$1,000	-	Learn More Add Review
The Savings Bank	0.20%	$1,000	-	Learn More Add Review
PeoplesBank	0.15%	$1,000	-	Learn More Add Review
Florence Bank	0.15%	$500	-	Learn More Add Review
OceanFirst Bank, National Association	0.15%	$500	-	Learn More Add Review
Eastern Bank	0.10%	$10,000	-	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)
Community Bank, National Association	0.10%	$100,000	-	Learn More Add Review
Watertown Savings Bank	0.10%	$10,000	-	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)
The Cape Cod Five Cents Savings Bank	0.08%	$1,000	-	Learn More
Rate History: 1.00% → 0.10% → 0.08%
John Darretta \| Nov 13, 2019 My favorite bank in South Dennis MA. There are always sufficient enough staff so that there is never a long waiting line. And the staff is always pleasant and efficient. Read More Reviews (2)
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)
Community Bank, National Association	0.05%	$10,000	-	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)

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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Massachusetts 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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