South Dakota

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South Dakota CD Rates – 18-Month

You are viewing rates from banks across South Dakota

 

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

SD - November 27, 2024

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

Early Withdrawal Penalty is 180 days interest.
Rate History: 0.50% → 4.50% → 4.30% → 4.20% → 3.90%

| 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

Rate History: 4.50% → 4.45% → 4.25% → 3.90% → 3.80%

| 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

Rate History: 5.25% → 4.65% → 4.20% → 4.05% → 2.80%

| 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

Rate History: 2.50% → 2.00% → 3.75% → 2.45%

| 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

Rate History: 3.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

1.10%

$1,000

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Rate History: 4.50% → 1.00% → 4.00% → 1.00%

| May 19, 2018

Experience Read More

| Jun 25, 2020

If you need a simple answer you will have to jump through hoops and talk to people that are not connected to your bank. Plus when you try to return the call the number they call from is not a working numb... Read More

0.90%

$10,000

-

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0.80%

$100,000

-

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0.75%

$10,000

-

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0.75%

$10,000

-

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0.70%

$10,000

-

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0.65%

$10,000

-

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0.65%

$10,000

-

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0.60%

$10,000

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0.55%

$10,000

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0.55%

$10,000

-

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0.55%

$10,000

-

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0.50%

$1,000

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

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0.50%

$10,000

-

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0.50%

$10,000

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| Jun 28, 2017

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0.45%

$10,000

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0.45%

$100,000

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0.45%

$10,000

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0.40%

$10,000

-

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0.40%

$10,000

-

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| Jun 28, 2017

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0.40%

$500

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0.35%

$10,000

-

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0.35%

$10,000

-

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| Jan 12, 2023

Everything will be fine until you have a problem with a charge. I have been disputing an unauthorized charge for nine months without any resolution. I haven't been presented any evidence in that time that ... Read More

0.35%

$10,000

-

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0.30%

$500

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0.30%

$10,000

-

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0.27%

$100,000

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0.26%

$10,000

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0.16%

$10,000

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| Nov 15, 2019

If you have a choice don't use these people for an auto loan. I called and got the loan pay off which I submitted electronically. I hadn't gotten any lean clearance info so I called. They said they held... Read More

Rate History: 4.75% → 0.01% → 0.05%

| 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

| 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

| 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

| 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

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

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.

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