Best 18-Month CD Rates in Wisconsin, WI

You are viewing rates from banks across Wisconsin

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

WI - December 23, 2024

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
Nicolet National Bank	4.00% 3.75%	$2,500 $2,501	-	Learn More
Rate History: 3.75% → 4.00% → 3.60% → 3.75% → 4.00%
Jim Doe \| Oct 12, 2022 Service has always been satisfactory. They have my complete trust and endorsement. Great bank in my opinion. 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)
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)
Johnson Bank	3.51% 3.46%	$100,000 $5,000	-	Learn More Add Review
Rate History: 4.11% → 4.01% → 3.81% → 3.46% → 3.51%
Bank First, N.A.	2.78%	$1,000	-	Learn More Add Review
Rate History: 3.02% → 2.78%
Bremer Bank, National Association	2.25% 2.00%	$25,000 $10,000	-	Learn More Add Review
Rate History: 2.50% → 2.25%
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
The Farmers & Merchants Bank	1.75%	$500	-	Learn More Add Review
BMO Bank National Association	1.70%	$1,000	-	Learn More
Rate History: 0.05% → 1.70% → 4.65% → 1.70%
Beenthere \| Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More Reviews (9)
Waldo State Bank	1.10%	$10,000	-	Learn More Add Review
Security Bank	1.00%	$500	-	Learn More Add Review
West Pointe Bank	1.00%	$500	-	Learn More Add Review
Cumberland Federal Bank, FSB	1.00%	$500	-	Learn More Add Review
Security Financial Bank	1.00%	$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)
Community Bank of Cameron	0.95%	$100,000	-	Learn More Add Review
Dairy State Bank	0.95%	$100,000	-	Learn More Add Review
Unity Bank	0.89%	$100,000	-	Learn More Add Review
Community Bank of Cameron	0.85%	$10,000	-	Learn More Add Review
Dairy State Bank	0.85%	$10,000	-	Learn More Add Review
GreenLeaf Bank	0.85%	$10,000	-	Learn More Add Review
Shell Lake State Bank	0.85%	$10,000	-	Learn More Add Review
Citizens First Bank	0.85%	$100,000	-	Learn More Add Review
Ergo Bank	0.85%	$10,000	-	Learn More Add Review
Marathon Bank	0.85%	$10,000	-	Learn More Add Review
Northwestern Bank	0.80%	$10,000	-	Learn More Add Review
Prevail Bank	0.80%	$50,000	-	Learn More Add Review
Columbia Savings and Loan Association	0.80%	$10,000	-	Learn More Add Review
Nekoosa Port Edwards State Bank	0.75%	$10,000	-	Learn More Add Review
Great North Bank	0.75%	$10,000	-	Learn More Add Review
Union State Bank of West Salem	0.75%	$10,000	-	Learn More Add Review
Bank of Luxemburg	0.74%	$10,000	-	Learn More Add Review
Unity Bank	0.74%	$500	-	Learn More Add Review
Park Bank	0.71%	$10,000	-	Learn More Add Review
Cleveland State Bank	0.70%	$10,000	-	Learn More Add Review
Waumandee State Bank	0.70%	$10,000	-	Learn More Add Review
Prevail Bank	0.70%	$1,000	-	Learn More Add Review
BLC Community Bank	0.70%	$10,000	-	Learn More Add Review
Farmers and Merchants Union Bank	0.65%	$100,000	-	Learn More Add Review
Laona State Bank	0.65%	$10,000	-	Learn More Add Review
Peoples State Bank	0.65%	$10,000	-	Learn More Add Review
American National Bank - Fox Cities	0.65%	$10,000	-	Learn More Add Review
Citizens First Bank	0.60%	$10,000	-	Learn More Add Review
Citizens State Bank	0.60%	$10,000	-	Learn More Add Review
Farmers and Merchants Union Bank	0.60%	$10,000	-	Learn More Add Review
The Farmers State Bank of Waupaca	0.60%	$10,000	-	Learn More Add Review
Northern State Bank	0.55%	$10,000	-	Learn More Add Review
Wisconsin River Bank	0.55%	$100,000	-	Learn More Add Review
Peoples State Bank	0.55%	$100,000	-	Learn More Add Review
The Peshtigo National Bank	0.55%	$10,000	-	Learn More Add Review
Bristol Morgan Bank	0.55%	$10,000	-	Learn More Add Review
Paper City Savings Association	0.51%	$10,000	-	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)
Fortifi Bank	0.50%	$10,000	-	Learn More Add Review
Chippewa Valley Bank	0.50%	$10,000	-	Learn More
KateyB \| Oct 11, 2020 CVB is the worst for on-line banking. Required to change your password every 6 months or so - can't they implement security at this bank? And you won't get a notice to change your password, you just get lo... Read More Reviews (1)
Sterling Bank	0.50%	$10,000	-	Learn More Add Review
Bluff View Bank	0.50%	$10,000	-	Learn More Add Review
River Bank	0.50%	$10,000	-	Learn More Add Review
The Benton State Bank	0.50%	$10,000	-	Learn More Add Review
PyraMax Bank, FSB	0.50%	$10,000	-	Learn More Add Review
The First Bank of Baldwin	0.50%	$500	-	Learn More Add Review
Bank of Milton	0.50%	$10,000	-	Learn More Add Review
First Citizens State Bank	0.50%	$10,000	-	Learn More Add Review
Woodford State Bank	0.45%	$10,000	-	Learn More Add Review
Citizens Community Federal National Association	0.45%	$10,000	-	Learn More Add Review
Wisconsin River Bank	0.45%	$10,000	-	Learn More Add Review
Peoples State Bank	0.45%	$10,000	-	Learn More Add Review
The Bank of Brodhead	0.45%	$10,000	-	Learn More Add Review
The Peoples Community Bank	0.45%	$10,000	-	Learn More Add Review
Bank of Lake Mills	0.45%	$10,000	-	Learn More Add Review
Coulee Bank	0.45%	$10,000	-	Learn More Add Review
Oregon Community Bank	0.40%	$10,000	-	Learn More Add Review
Starion Bank	0.40%	$25,000	-	Learn More
rich_hovland@bismarckschools.org \| Nov 13, 2019 yes Read More Reviews (2)
Bank of Wisconsin Dells	0.40%	$10,000	-	Learn More Add Review
Bank of Deerfield	0.40%	$500	-	Learn More Add Review
Bank of Sun Prairie	0.40%	$10,000	-	Learn More Add Review
State Bank of the Lakes, National Association	0.40%	$100,000	-	Learn More Add Review
East Wisconsin Savings Bank	0.40%	$10,000	-	Learn More Add Review
River Falls State Bank	0.40%	$10,000	-	Learn More Add Review
First State Bank	0.36%	$10,000	-	Learn More Add Review
Farmers & Merchants State Bank	0.35%	$10,000	-	Learn More Add Review
Badger Bank	0.35%	$1,000	-	Learn More Add Review
Starion Bank	0.35%	$2,500	-	Learn More
rich_hovland@bismarckschools.org \| Nov 13, 2019 yes Read More Reviews (2)
Merchants Bank, National Association	0.35%	$10,000	-	Learn More Add Review
Collins State Bank	0.35%	$10,000	-	Learn More Add Review
Union Federal Savings and Loan Association	0.35%	$10,000	-	Learn More Add Review
Richland County Bank	0.35%	$10,000	-	Learn More Add Review
PremierBank	0.35%	$10,000	-	Learn More Add Review
State Bank of the Lakes, National Association	0.35%	$10,000	-	Learn More Add Review
CIBC Bank USA	0.35%	$100,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
Wolf River Community Bank	0.35%	$10,000	-	Learn More
Depositor \| Feb 23, 2018 Strange bank. Connected to murder and suicide since 2006 Read More Reviews (1)
First Federal Bank of Wisconsin	0.35%	$10,000	-	Learn More Add Review
Home Federal Savings Bank	0.35%	$100,000	-	Learn More Add Review
The Pineries Bank	0.35%	$10,000	-	Learn More Add Review
The Bank of Kaukauna	0.32%	$500	-	Learn More Add Review
National Bank of Commerce	0.30%	$100,000	-	Learn More Add Review
State Bank of Reeseville	0.30%	$1,000	-	Learn More Add Review
Clare Bank, National Association	0.30%	$10,000	-	Learn More Add Review
MidWestOne Bank	0.30%	$10,000	-	Learn More Add Review
CIBC Bank USA	0.30%	$10,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
First State Bank and Trust	0.30%	$10,000	-	Learn More Add Review
Westbury Bank	0.30%	$10,000	-	Learn More Add Review
FORTE BANK	0.30%	$500	-	Learn More Add Review
National Bank of Commerce	0.25%	$10,000	-	Learn More Add Review
National Exchange Bank and Trust	0.25%	$10,000	-	Learn More Add Review
Security State Bank	0.25%	$10,000	-	Learn More Add Review
State Bank of Cross Plains	0.25%	$10,000	-	Learn More
Otto Alber \| Jan 15, 2024 What is Lake Ridge Bank SWIFT Code? Read More Reviews (1)
The Park Bank	0.25%	$10,000	-	Learn More
nosnah-nej-erif \| Jan 29, 2022 Discriminatory and unfair practices including closing accounts for reasons they so choose of those who are non-caucasion, lower incomes and older in age but do not follow the same guidelines for white, wea... Read More Reviews (1)
Capitol Bank	0.25%	$10,000	-	Learn More Add Review
TSB Bank	0.25%	$10,000	-	Learn More Add Review
Tri City National Bank	0.25%	$10,000	-	Learn More Add Review
The Bank of New Glarus	0.24%	$10,000	-	Learn More Add Review
Community First Bank	0.21%	$10,000	-	Learn More Add Review
Superior Savings Bank	0.20%	$500	-	Learn More Add Review
The First National Bank and Trust Company	0.16%	$1,000	-	Learn More Add Review
North Shore Bank, FSB	0.15%	$10,000	-	Learn More Add Review
Independence State Bank	0.15%	$10,000	-	Learn More Add Review
Old National Bank	0.15%	$10,000	-	Learn More
jefflockwoodlaw2288@gmail.com \| Jul 18, 2021 I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More Reviews (2)
WOODTRUST BANK	0.15%	$10,000	-	Learn More Add Review
Waukesha State Bank	0.15%	$10,000	-	Learn More Add Review
Home Federal Savings Bank	0.15%	$10,000	-	Learn More Add Review
Community First Bank	0.10%	$10,000	-	Learn More Add Review
Town Bank, National Association	0.07%	$1,000	-	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)
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)
Associated Bank, National Association	0.01%	$10,000	-	Learn More Add Review

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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Wisconsin 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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