Best 18-Month CD Rates in Pennsylvania, PA

You are viewing rates from banks across Pennsylvania

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

PA - November 18, 2024

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
Quaint Oak Bank	4.50%	$500	-	Learn More Add Review
Rate History: 4.25% → 5.00% → 4.75% → 4.50%
Beal Bank	4.20%	$1,000	-	Learn More Add Review
Rate History: 4.35% → 4.25% → 4.20%
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)
Hatboro Federal Savings, FA	4.06%	$1,000	-	Learn More Add Review
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)
Hyperion Bank	3.75%	$500	-	Learn More Add Review
First Resource Bank	3.50%	$500	-	Learn More Add Review
Rate History: 4.75% → 3.75% → 3.50%
Marquette Savings Bank	3.03%	$500	-	Learn More
beaglemanduke@gmail.com \| Sep 27, 2019 I use Marquette bank in Meadville on park avenue. and I use Marquette bank on rt 322 both of these banks have great mangers Dawn at park avenue and Kelly at rt 322 there tellers are the best Read More Reviews (1)
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)
SSB Bank	1.76%	$500	-	Learn More Add Review
Rate History: 4.24% → 1.76%
Wilmington Savings Fund Society, FSB	1.75%	$2,500	-	Learn More
Rate History: 2.00% → 4.75% → 4.00% → 1.75%
schoolbus2017 \| Nov 8, 2019 farmer 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)
Fulton Bank, National Association	0.95%	$1,000	-	Learn More Add Review
The National Bank of Malvern	0.85%	$10,000	-	Learn More Add Review
Hometown Bank of Pennsylvania	0.80%	$10,000	-	Learn More Add Review
The Victory Bank	0.80%	$10,000	-	Learn More Add Review
Second Federal Savings and Loan Association of Philadelphia	0.80%	$10,000	-	Learn More Add Review
PennCrest Bank	0.75%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Greene Co	0.75%	$10,000	-	Learn More Add Review
Coatesville Savings Bank	0.75%	$10,000	-	Learn More Add Review
Hamlin Bank and Trust Company	0.70%	$10,000	-	Learn More Add Review
Reliance Savings Bank	0.65%	$10,000	-	Learn More Add Review
William Penn Bank	0.65%	$10,000	-	Learn More Add Review
Port Richmond Savings	0.65%	$500	-	Learn More Add Review
Provident Bank	0.60%	$10,000	-	Learn More
Abraham Farber \| May 14, 2015 looking to refinance into a fixed equity 15 yr loan, I have now a 1st Mortg & equity line total of about 218000. looking to get about 360 & pay off the old ones & have extra, I have a 4 unit house were we ... Read More Reviews (1)
First United National Bank	0.60%	$500	-	Learn More Add Review
Armstrong County Building and Loan Association	0.60%	$10,000	-	Learn More Add Review
Phoenixville Federal Bank and Trust	0.60%	$500	-	Learn More Add Review
Sharon Bank	0.60%	$10,000	-	Learn More Add Review
County Savings Bank	0.60%	$10,000	-	Learn More Add Review
Iron Workers Savings Bank	0.60%	$10,000	-	Learn More Add Review
United Savings Bank	0.60%	$10,000	-	Learn More Add Review
Parke Bank	0.60%	$500	-	Learn More
Savvysaver \| Nov 9, 2020 Here's what you will need: To be a resident of New Jersey or select Eastern Pennsylvania counties (the zip code provided in your application will receive an error stating "Zip code is not valid for this ap... Read More Reviews (2)
First Citizens Community Bank	0.55%	$100,000	-	Learn More Add Review
Investment Savings Bank	0.55%	$10,000	-	Learn More Add Review
The Turbotville National Bank	0.55%	$10,000	-	Learn More
Annonomous \| May 30, 2021 U would think after a person is a customer for a great many years they would help them in the case of fraud nope they close everything down on you and don't tell you way to go that's real customer service ... Read More Reviews (1)
The Northumberland National Bank	0.55%	$100,000	-	Learn More Add Review
Milton Savings Bank	0.55%	$10,000	-	Learn More Add Review
Community State Bank of Orbisonia	0.55%	$500	-	Learn More Add Review
York Traditions Bank	0.55%	$10,000	-	Learn More Add Review
Meridian Bank	0.55%	$10,000	-	Learn More Add Review
Slovenian Savings and Loan Association of Franklin-Conemaugh	0.50%	$100,000	-	Learn More Add Review
New Tripoli Bank	0.50%	$500	-	Learn More Add Review
Fleetwood Bank	0.50%	$500	-	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)
Peoples Security Bank and Trust Company	0.50%	$1,000	-	Learn More Add Review
Rate History: 0.25% → 0.50%
Citizens & Northern Bank	0.50%	$100,000	-	Learn More Add Review
Greenville Savings Bank	0.50%	$10,000	-	Learn More Add Review
Dollar Bank, Federal Savings Bank	0.50%	$10,000	-	Learn More Add Review
Woodlands Bank	0.50%	$10,000	-	Learn More Add Review
First Keystone Community Bank	0.50%	$100,000	-	Learn More Add Review
CFSBANK	0.50%	$10,000	-	Learn More
Regular guy \| Mar 24, 2023 I have never been treated so poorly in all the banks ive been in i went there to ask about buying change the girl acted like she never heard of rolled coins before and really made me feel as though i shou... Read More Reviews (1)
Kish Bank	0.50%	$10,000	-	Learn More
smalltowngirl \| Mar 9, 2018 I have a local contracting business and have been in business for over 20 years. When I started my business I did all of my banking personal and business with Kish and recommended that my customers go thro... Read More Reviews (1)
Ameriserv Financial Bank	0.50%	$10,000	-	Learn More Add Review
Ambler Savings Bank	0.50%	$10,000	-	Learn More
mmcglade89 \| Aug 11, 2021 I had been using Ambler Savings for as long as I can remember and never had any issues with them until around 2019. My card and account were constantly being frozen and I had to call to have it unfrozen. W... Read More Reviews (1)
The Neffs National Bank	0.50%	$10,000	-	Learn More Add Review
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)
Asian Bank	0.50%	$10,000	-	Learn More Add Review
1st Summit Bank	0.46%	$10,000	-	Learn More
Rriordan75 \| Jan 18, 2020 I and my colleagues have all had trouble with our travelers debit prepaid cards. Right now I'm in the middle of trying to get ahold of a customer representative because the card shows that there's money on... Read More Reviews (1)
Mifflinburg Bank and Trust Company	0.45%	$5,000	-	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)
Mercer County State Bank	0.45%	$10,000	-	Learn More Add Review
PS Bank	0.45%	$10,000	-	Learn More Add Review
First Keystone Community Bank	0.45%	$10,000	-	Learn More Add Review
Elderton State Bank	0.45%	$100,000	-	Learn More Add Review
The Northumberland National Bank	0.45%	$10,000	-	Learn More Add Review
American Bank	0.45%	$10,000	-	Learn More Add Review
CNB Bank	0.43%	$10,000	-	Learn More Add Review
MCS Bank	0.42%	$1,000	-	Learn More Add Review
Univest Bank and Trust Co.	0.40%	$500	-	Learn More Add Review
NBT Bank, National Association	0.40%	$10,000	-	Learn More Add Review
First Columbia Bank & Trust Co.	0.40%	$10,000	-	Learn More Add Review
The Gratz Bank	0.40%	$10,000	-	Learn More Add Review
Embassy Bank for the Lehigh Valley	0.40%	$10,000	-	Learn More
Carly \| Jul 14, 2018 Excellent customer service Read More Reviews (1)
Brentwood Bank	0.40%	$10,000	-	Learn More Add Review
Somerset Trust Company	0.40%	$10,000	-	Learn More Add Review
Farmers and Merchants Trust Company of Chambersburg	0.40%	$100,000	-	Learn More Add Review
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania	0.40%	$10,000	-	Learn More Add Review
Slovenian Savings and Loan Association of Franklin-Conemaugh	0.38%	$10,000	-	Learn More Add Review
The Juniata Valley Bank	0.35%	$10,000	-	Learn More
Jeffery Bailey \| Apr 4, 2016 It is sad to see FNBPA being taken over by Juniata. The name Juniata has no affinity with Port Allegany history. I am closing my account. Read More Reviews (1)
WesBanco Bank, Inc.	0.35%	$10,000	-	Learn More Add Review
Elderton State Bank	0.35%	$10,000	-	Learn More Add Review
Orrstown Bank	0.35%	$10,000	-	Learn More Add Review
QNB Bank	0.35%	$10,000	-	Learn More Add Review
First National Bank and Trust Company of Newtown	0.35%	$10,000	-	Learn More Add Review
Citizens & Northern Bank	0.30%	$10,000	-	Learn More Add Review
First Citizens Community Bank	0.30%	$10,000	-	Learn More Add Review
ESSA Bank & Trust	0.30%	$10,000	-	Learn More Add Review
Wayne Bank	0.30%	$10,000	-	Learn More
MoonShadows Farm \| Jan 26, 2024 I have been with Wayne Bank for almost 3 years after moving all of my accounts from Hells Fargo. Since then, I have had so many problems with depositing checks with my iPhone. (phone upgraded twice sinc... Read More Reviews (1)
Citizens Savings Bank	0.30%	$10,000	-	Learn More Add Review
Washington Financial Bank	0.30%	$10,000	-	Learn More Add Review
Farmers and Merchants Trust Company of Chambersburg	0.30%	$10,000	-	Learn More Add Review
Penn Community Bank	0.30%	$10,000	-	Learn More
Rk \| Feb 22, 2023 Where to begin with this ghetto bank? You make a cash deposit but you can't make a withdraw the same day. You make a deposit and it doesn't show up until the next day. You're limited to a low atm amount e... Read More Reviews (2)
First Bank	0.30%	$10,000	-	Learn More
SAM \| May 24, 2021 Rate is not valid BCC needs to improve on this. Its difficult enough savers are being penalized by the FED Read More Reviews (2)
NEXTIER BANK, NATIONAL ASSOCIATION	0.25%	$10,000	-	Learn More Add Review
Marion Center Bank	0.25%	$10,000	-	Learn More Add Review
The Fidelity Deposit and Discount Bank	0.25%	$100,000	-	Learn More Add Review
First Commonwealth Bank	0.25%	$10,000	-	Learn More Add Review
Community Bank	0.25%	$10,000	-	Learn More Add Review
Slovenian Savings and Loan Association of Canonsburg	0.25%	$10,000	-	Learn More
Tbench3485@comcast.net \| Oct 7, 2019 64000 Read More Reviews (1)
ACNB Bank	0.25%	$10,000	-	Learn More Add Review
The Ephrata National Bank	0.25%	$100,000	-	Learn More Add Review
Chemung Canal Trust Company	0.20%	$10,000	-	Learn More Add Review
S&T Bank	0.20%	$10,000	-	Learn More
Haja@gmail.com \| May 15, 2020 Sucks don’t ever get with this bank Read More Reviews (1)
Apollo Trust Company	0.20%	$10,000	-	Learn More Add Review
Altoona First Savings Bank	0.20%	$1,000	-	Learn More Add Review
The Ephrata National Bank	0.20%	$10,000	-	Learn More Add Review
Northwest Bank	0.18%	$10,000	-	Learn More Add Review
Harleysville Bank	0.17%	$10,000	-	Learn More
Keith Wright \| Aug 23, 2016 Great dividend, moderate growth, excellent customer service. Potential acquisition target Read More Reviews (1)
OceanFirst Bank, National Association	0.15%	$500	-	Learn More Add Review
The Andover Bank	0.15%	$1,000	-	Learn More Add Review
First Commonwealth Bank	0.15%	$10,000	-	Learn More Add Review
Old Dominion National Bank	0.15%	$10,000	-	Learn More Add Review
Tompkins Community Bank	0.10%	$1,000	-	Learn More Add Review
The Farmers National Bank of Canfield	0.10%	$500	-	Learn More Add Review
Community Bank, National Association	0.10%	$100,000	-	Learn More Add Review
Firstrust Savings Bank	0.10%	$10,000	-	Learn More Add Review
Jersey Shore State Bank	0.06%	$100,000	-	Learn More
Roy Miner \| Feb 24, 2019 This bank sucks I can't believe that I can't use my card on Sunday or get to my money is the owner a johvwinis that the bank can't get you your money on a Sunday or what this is bull shit I sent my wife to... Read More Reviews (1)
The Luzerne Bank	0.06%	$100,000	-	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)
Community Bank, National Association	0.05%	$10,000	-	Learn More Add Review
The Fidelity Deposit and Discount Bank	0.05%	$10,000	-	Learn More Add Review
Commercial Bank and Trust of PA	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)
Jersey Shore State Bank	0.04%	$10,000	-	Learn More
Roy Miner \| Feb 24, 2019 This bank sucks I can't believe that I can't use my card on Sunday or get to my money is the owner a johvwinis that the bank can't get you your money on a Sunday or what this is bull shit I sent my wife to... Read More Reviews (1)
The Luzerne Bank	0.04%	$10,000	-	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.

See rates for Online Banks →

See rates for Credit Unions →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates

Cash Savings

Product:

Average Rate:

Best Rate:

Years at Rate:

Tax Rate:

CD Products by State

CD Products by City in Pennsylvania

CD Resources

Download a Free eBook

Bank On It:
The No Risk Way To Boost Your Savings

Download

BestCashCow
Guide To Credit Card Travel Rewards

Download

65 Questions to Ask before Choosing a CD

Download

The Insider's Guide
to
Mortgages

Download

Plan and Optimize Your Finances

Pennsylvania 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:

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in Pennsylvania

Download a Free eBook