Best 18-Month CD Rates in Washington, WA

You are viewing rates from banks across Washington

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

WA - December 11, 2024

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
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)
New Millennium Bank	4.20%	$500	-	Learn More Add Review
Rate History: 4.25% → 4.85% → 4.50% → 4.00% → 4.20%
Seattle Bank	4.15%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 5.80% → 5.00% → 4.65% → 4.40% → 4.15%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
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)
Northwest Bank	3.84%	$100	-	Learn More Add Review
Rate History: 4.35% → 4.25% → 4.20% → 3.84%
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)
Bank of Hope	3.79% 0.30%	$250,000 $1,000	-	Learn More
Rate History: 4.35% → 3.95% → 4.10% → 3.80% → 3.79%
NORTY FLATZ \| Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More Reviews (1)
HomeStreet Bank	3.00%	$500	-	Learn More Add Review
Rate History: 5.00% → 4.65% → 4.25% → 3.50% → 3.00%
Zions Bank	2.53%	$1,000	-	Learn More Add Review
Rate History: 3.05% → 2.53%
Sound Community Bank	2.38%	$1,000	-	Learn More Add Review
Rate History: 3.56% → 3.04% → 2.78% → 2.63% → 2.38%
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
Washington Trust Bank	1.15%	$500	-	Learn More
Tami Phillips \| Aug 15, 2019 I DO NOT LIKE THIS BANK, MORE THAN ONCE I HAVE BEEN HUMILIATED BY THIS BANK AND THEIR CARDS. Read More Reviews (1)
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)
SAVIBANK	0.80%	$100,000	-	Learn More Add Review
RiverBank	0.75%	$10,000	-	Learn More Add Review
SAVIBANK	0.70%	$10,000	-	Learn More Add Review
Twin City Bank	0.70%	$10,000	-	Learn More Add Review
First Financial Northwest Bank	0.65%	$100,000	-	Learn More
longknife \| Aug 15, 2017 5 star Read More Reviews (1)
Washington Business Bank	0.65%	$10,000	-	Learn More Add Review
First Sound Bank	0.65%	$100,000	-	Learn More Add Review
Industrial and Commercial Bank of China USA, National Association	0.65%	$100,000	-	Learn More Add Review
Twin River Bank	0.60%	$500	-	Learn More Add Review
Cashmere Valley Bank	0.60%	$10,000	-	Learn More Add Review
Mountain Pacific Bank	0.60%	$10,000	-	Learn More Add Review
UniBank	0.60%	$10,000	-	Learn More Add Review
Industrial and Commercial Bank of China USA, National Association	0.55%	$10,000	-	Learn More Add Review
Bank of the Pacific	0.50%	$100,000	-	Learn More
Oscar \| Nov 17, 2020 The monthly statement did not reach by the time I’m use to send my auto loan payment, which by the way has been always at least 15 days prior to due date.. Then I call to notify that and they took my pay... Read More Reviews (3)
First Sound Bank	0.50%	$10,000	-	Learn More Add Review
Community First Bank	0.50%	$10,000	-	Learn More Add Review
Pacific Premier Bank	0.50%	$10,000	-	Learn More
Harry Reese \| Jul 22, 2015 Fix your automated system so I can find information after you close Read More Reviews (1)
Yakima Federal Savings and Loan Association	0.50%	$10,000	-	Learn More
Unhappy customer \| Jan 21, 2024 Unhappy with YFS&L. Around Dec I had a CD that matured. I was out of the area overseas and I was unable to move the moneys from the CD into my regular savings account and the CD renewed at a much lower r... Read More Reviews (1)
Timberland Bank	0.45%	$10,000	-	Learn More Add Review
Olympia Federal Savings and Loan Association	0.45%	$10,000	-	Learn More
noone \| Dec 24, 2018 they suck Read More Reviews (1)
Heritage Bank	0.40%	$0	-	Learn More Add Review
Bank of Eastern Oregon	0.40%	$500	-	Learn More Add Review
Glacier Bank	0.40%	$100,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
Security State Bank	0.40%	$5,000	-	Learn More Add Review
Community Bank	0.40%	$10,000	-	Learn More Add Review
Coastal Community Bank	0.39%	$10,000	-	Learn More Add Review
Glacier Bank	0.35%	$10,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
Armed Forces Bank, National Association	0.35%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Liberty Bank	0.35%	$100,000	-	Learn More Add Review
GBC International Bank	0.35%	$10,000	-	Learn More
tomlynn \| Apr 15, 2019 Very friendly and helpful here. We had closed an account last year, and were not asked what we planned to do with the money or if we found a better rate elsewhere. Just thanks for banking with us...so we ... Read More Reviews (1)
Raymond Federal Bank	0.35%	$100,000	-	Learn More Add Review
Cathay Bank	0.30%	$50,000	-	Learn More Add Review
Glacier Bank	0.30%	$10,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
Liberty Bank	0.30%	$10,000	-	Learn More Add Review
Riverview Community Bank	0.30%	$100,000	-	Learn More Add Review
Peoples Bank	0.25%	$10,000	-	Learn More Add Review
State Bank Northwest	0.25%	$10,000	-	Learn More Add Review
Kitsap Bank	0.25%	$10,000	-	Learn More Add Review
Raymond Federal Bank	0.25%	$10,000	-	Learn More Add Review
Washington Federal Bank	0.20%	$1,000	-	Learn More
jim \| Sep 28, 2016 After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More Reviews (2)
Riverview Community Bank	0.20%	$10,000	-	Learn More Add Review
Umpqua Bank	0.15% 0.10%	$1 $0	-	Learn More
Austin \| Aug 25, 2021 I have banked with Umpqua in Gig Harbor since 2013 and although there money market rates are not good didn’t have much problem until I moved to Spokane and started using this branch on south hill. They ... Read More Reviews (2)
Bank of the Pacific	0.15%	$10,000	-	Learn More
Oscar \| Nov 17, 2020 The monthly statement did not reach by the time I’m use to send my auto loan payment, which by the way has been always at least 15 days prior to due date.. Then I call to notify that and they took my pay... Read More Reviews (3)
First Interstate Bank	0.15%	$10,000	-	Learn More
kmills \| 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 Reviews (2)
East West Bank	0.15%	$10,000	-	Learn More
Bauhinia C \| Mar 15, 2023 Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More Reviews (2)
Baker-Boyer National Bank	0.09%	$10,000	-	Learn More
Doc \| Sep 5, 2020 My investment accounts managed by them are the worst of all of my accounts. In the last 10 years any gain they have made has been offers by fees. The tag my loan account with late fees despite my on t... Read More Reviews (1)
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)
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)

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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Washington 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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