Best 18-Month CD Rates in Mississippi, MS

You are viewing rates from banks across Mississippi

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

MS - December 21, 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)
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)
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
Bank of Anguilla	1.26%	$10,000	-	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)
First Financial Bank	1.00%	$10,000	-	Learn More Add Review
FIRST COMMERCIAL BANK	0.75%	$10,000	-	Learn More Add Review
Delta Bank	0.75%	$100,000	-	Learn More Add Review
Grand Bank for Savings, FSB	0.75%	$10,000	-	Learn More Add Review
The Cleveland State Bank	0.65%	$1,000	-	Learn More Add Review
The Jefferson Bank	0.65%	$10,000	-	Learn More Add Review
First National Bank of Clarksdale	0.60%	$10,000	-	Learn More Add Review
First State Bank	0.60%	$100,000	-	Learn More Add Review
Delta Bank	0.60%	$10,000	-	Learn More Add Review
Bank of Commerce	0.55%	$10,000	-	Learn More Add Review
Merchants & Farmers Bank	0.55%	$500	-	Learn More
Tommy noe \| Oct 23, 2022 Unity bank of ms absolutely sucks...my paycheck is deposited on Friday butt they hold it till Monday never. Had that with any other bank.... Read More Reviews (1)
BNA Bank	0.55%	$10,000	-	Learn More Add Review
The Bank of Holly Springs	0.50%	$10,000	-	Learn More Add Review
United Mississippi Bank	0.50%	$10,000	-	Learn More Add Review
First Bank	0.50%	$10,000	-	Learn More Add Review
Home Bank, National Association	0.50%	$10,000	-	Learn More Add Review
First State Bank	0.50%	$10,000	-	Learn More Add Review
Merchants & Marine Bank	0.50%	$10,000	-	Learn More Add Review
Bank of Franklin	0.50%	$10,000	-	Learn More Add Review
Concordia Bank & Trust Company	0.50%	$10,000	-	Learn More Add Review
First State Bank	0.45%	$100,000	-	Learn More Add Review
Bank of Okolona	0.45%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank	0.40%	$10,000	-	Learn More Add Review
Bank of Kilmichael	0.40%	$10,000	-	Learn More
DPB3633 \| Dec 17, 2021 What is a bank ACH number? Read More Reviews (1)
Bank of Winona	0.40%	$10,000	-	Learn More Add Review
Guaranty Bank and Trust Company	0.38%	$100,000	-	Learn More Add Review
Community Spirit Bank	0.35%	$10,000	-	Learn More Add Review
Trustmark National Bank	0.35%	$10,000	-	Learn More
trbf15 \| Nov 4, 2020 Transfer cds to checking. Trustmark Madison ok, Not, 6 figures deposit lost for 6 days they say due to scanner error. Then when we go to branch office mgr. all huffy tht error upset because of their mist... Read More Reviews (1)
Southern Bancorp Bank	0.35%	$10,000	-	Learn More Add Review
CB&S Bank, Inc.	0.35%	$10,000	-	Learn More
Terry \| Jun 7, 2018 Fabulous bank Read More Reviews (1)
FSNB, National Association	0.35%	$10,000	-	Learn More Add Review
The Citizens Bank of Philadelphia, Mississippi	0.35%	$10,000	-	Learn More Add Review
Great Southern Bank	0.35%	$10,000	-	Learn More Add Review
Merchants and Planters Bank	0.35%	$100,000	-	Learn More Add Review
First State Bank	0.35%	$10,000	-	Learn More Add Review
Pike National Bank	0.35%	$500	-	Learn More Add Review
Guaranty Bank and Trust Company	0.33%	$10,000	-	Learn More Add Review
The Peoples Bank, Biloxi, Mississippi	0.32%	$10,000	-	Learn More Add Review
The First, A National Banking Association	0.30%	$10,000	-	Learn More Add Review
Amory Federal Savings and Loan Association	0.30%	$10,000	-	Learn More
Juanita Orsborn \| Mar 28, 2015 Can we make the mortgage payment on line? Read More Reviews (1)
The Bank of Forest	0.30%	$10,000	-	Learn More Add Review
Merchants and Planters Bank	0.30%	$10,000	-	Learn More Add Review
Peoples Bank Restrictions	0.30%	$10,000	-	Learn More Add Review
Citizens Bank	0.30%	$1,000	-	Learn More Add Review
First National Bank of Picayune	0.30%	$10,000	-	Learn More Add Review
Bank of Brookhaven	0.28%	$10,000	-	Learn More Add Review
First Security Bank	0.27%	$100,000	-	Learn More Add Review
Bank of Yazoo City	0.25%	$500	-	Learn More Add Review
Renasant Bank	0.25%	$10,000	-	Learn More
rand \| Mar 25, 2019 CDs shown are not offered in Knoxville area Read More Reviews (1)
Origin Bank	0.25%	$10,000	-	Learn More
Ralph \| Nov 26, 2019 They might be covered but they do little to safeguard your money. I was hacked, the hackers posed as bank employees accessed my account and made payments to fraudulent accounts. I had to explain to them wh... Read More Reviews (1)
Paragon Bank	0.25%	$10,000	-	Learn More Add Review
BankFirst Financial Services	0.25%	$10,000	-	Learn More Add Review
Holmes County Bank & Trust Company	0.25%	$10,000	-	Learn More Add Review
The Commercial Bank	0.25%	$10,000	-	Learn More Add Review
PriorityOne Bank	0.25%	$10,000	-	Learn More
Archie \| Feb 8, 2017 25000 Read More Reviews (1)
Covington County Bank	0.25%	$10,000	-	Learn More Add Review
Century Bank	0.25%	$10,000	-	Learn More Add Review
Richton Bank & Trust Company	0.25%	$10,000	-	Learn More Add Review
First Security Bank	0.22%	$10,000	-	Learn More Add Review
Community Bank of Mississippi	0.20%	$10,000	-	Learn More Add Review
The Citizens National Bank of Meridian	0.20%	$10,000	-	Learn More Add Review
First Southern Bank	0.20%	$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)

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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Mississippi 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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