Best 18-Month CD Rates in North Carolina, NC

You are viewing rates from banks across North Carolina

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

NC - December 4, 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)
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)
Loyal Trust Bank	3.75%	$1,000	-	Learn More Add Review
Live Oak Banking Company	3.00%	$2,500	-	Learn More
Rate History: 5.10% → 4.90% → 4.75% → 4.65% → 3.00%
50Rc2 \| Dec 6, 2022 Customer service — unreliable, different CS person gets a different answer. LOB readily accepts your incoming funds, out going of funds the bank puts up a barrage of road blocks. A wire out, a letter FR... Read More Reviews (46)
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)
United Bank	1.80%	$500	-	Learn More
Jimleestro \| Apr 12, 2019 United Bank in Front Royal does not know how to set up an inherited IRA. It took over two months to transfer it from Merrill Edge. Several mistakes were made. And then they did not title it correctly. T... Read More Reviews (1)
Hingham Institution for Savings	1.75%	$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)
Tarboro Savings Bank, SSB	0.86%	$100,000	-	Learn More Add Review
Providence Bank	0.85%	$10,000	-	Learn More Add Review
Belmont Savings Bank, SSB	0.80%	$100,000	-	Learn More Add Review
Tarboro Savings Bank, SSB	0.76%	$10,000	-	Learn More Add Review
Dogwood State Bank	0.75%	$10,000	-	Learn More Add Review
New Republic Savings Bank	0.70%	$10,000	-	Learn More Add Review
Belmont Savings Bank, SSB	0.65%	$10,000	-	Learn More Add Review
North State Bank	0.65%	$10,000	-	Learn More Add Review
Piedmont Federal Savings Bank	0.55%	$10,000	-	Learn More Add Review
Bank of Tennessee	0.51%	$10,000	-	Learn More Add Review
Jackson Savings Bank, SSB	0.50%	$10,000	-	Learn More Add Review
Roxboro Savings Bank, SSB	0.50%	$10,000	-	Learn More Add Review
HomeTrust Bank	0.45%	$10,000	-	Learn More Add Review
First National Bank of Pennsylvania	0.45%	$10,000	-	Learn More
Mark \| Apr 21, 2020 Your information is very inaccurate. Interest rates are a fraction of 1%. Call the bank yourself. Read More Reviews (1)
First Federal Savings Bank of Lincolnton	0.45%	$10,000	-	Learn More Add Review
SKYLINE NATIONAL BANK	0.40%	$1,000	-	Learn More Add Review
Guaranty Bank and Trust Company	0.38%	$100,000	-	Learn More Add Review
Taylorsville Savings Bank, SSB	0.35%	$10,000	-	Learn More Add Review
FSNB, National Association	0.35%	$10,000	-	Learn More Add Review
Blue Ridge Bank, National Association	0.35%	$10,000	-	Learn More
Jack \| Jul 20, 2020 This bank is very bad. I am posting my story here now, hoping to make a reference for those friends who want to become their customers. I was very excited when I saw Blue Ridge Bank, N.A. on Google beca... Read More Reviews (1)
Touchstone Bank	0.35%	$10,000	-	Learn More
wallerjm \| Jul 22, 2022 I would never do business with a bank whose Vice Chairman Board of Directors, Norman Wagstaff, is the kind of right-wing nutjob that has done so much damage to our country. Read More Reviews (1)
Guaranty Bank and Trust Company	0.33%	$10,000	-	Learn More Add Review
LifeStore Bank	0.30%	$500	-	Learn More Add Review
The Park National Bank	0.30%	$1,000	-	Learn More Add Review
Nantahala Bank & Trust Company	0.30%	$10,000	-	Learn More Add Review
Pinnacle Bank	0.30%	$10,000	-	Learn More
jchitt@comcast.nrt \| Mar 5, 2019 Pinnacle has not had a 3% CD since Oct of 2018. Read More Reviews (3)
Carter Bank & Trust	0.30%	$10,000	-	Learn More
Tom Brandy \| Aug 5, 2020 How Willian Investments Company Brought Happiness To My Home. Hello Everyone out there! My name is Tom Brandy, from USA, I am using this medium to announce to the general public on how Willian Investmen... Read More Reviews (1)
First Carolina Bank	0.30%	$10,000	-	Learn More Add Review
Lumbee Guaranty Bank	0.30%	$100,000	-	Learn More Add Review
TruPoint Bank	0.25%	$1,000	-	Learn More Add Review
First Bank	0.25%	$100,000	-	Learn More Add Review
Farmers & Merchants Bank	0.25%	$10,000	-	Learn More Add Review
First Bank	0.20%	$10,000	-	Learn More Add Review
Morganton Savings Bank, S.S.B.	0.20%	$10,000	-	Learn More Add Review
Lumbee Guaranty Bank	0.20%	$10,000	-	Learn More Add Review
KS Bank, Inc.	0.20%	$10,000	-	Learn More
jholmes50@nc.rr.com \| Aug 21, 2019 Dear Sirs: What do the initials KS stand for? A name? Or something else? Thank you, Jim Holmes Read More Reviews (1)
Ameris Bank	0.20%	$10,000	-	Learn More
COLETTE B \| May 30, 2022 I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read More Reviews (4)
First Federal Bank	0.15%	$500	-	Learn More Add Review
Black Mountain Savings Bank, SSB	0.15%	$10,000	-	Learn More Add Review
Mechanics & Farmers Bank	0.15%	$100,000	-	Learn More Add Review
Southern Bank and Trust Company	0.15%	$100,000	-	Learn More Add Review
Towne Bank	0.15%	$10,000	-	Learn More Add Review
First Community Bank	0.13%	$10,000	-	Learn More Add Review
Peoples Bank	0.10%	$100,000	-	Learn More Add Review
The Fidelity Bank	0.10%	$10,000	-	Learn More Add Review
Mechanics & Farmers Bank	0.10%	$10,000	-	Learn More Add Review
Southern Bank and Trust Company	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)
Peoples Bank	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)
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)
First-Citizens Bank & Trust Company	0.02%	$500	-	Learn More
Rate History: 0.10% → 0.02% → 0.10% → 0.02%
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
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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North Carolina 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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