{"id":89491,"date":"2026-05-03T07:49:51","date_gmt":"2026-05-03T07:49:51","guid":{"rendered":"https:\/\/diyhaven858.wasmer.app\/index.php\/earn-up-to-3-95-apy\/"},"modified":"2026-05-03T07:49:51","modified_gmt":"2026-05-03T07:49:51","slug":"earn-up-to-3-95-apy","status":"publish","type":"post","link":"https:\/\/diyhaven858.wasmer.app\/index.php\/earn-up-to-3-95-apy\/","title":{"rendered":"Earn up to 3.95% APY"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->If you\u2019re looking for a way to earn a competitive return on your savings without locking up your money for years, an 18-month CD could be the sweet spot. This mid-term option offers higher interest rates than most savings accounts while giving you more flexibility than longer-term CDs.<!-- HTML_TAG_END --><\/p>\n<p> <iframe loading=\"lazy\" title=\"CDS Widget\" src=\"https:\/\/templates.cds.yahoo.com\/remote\/widget?campaignId=4ec2331a-fbb0-4230-81e2-d38f75a95135&amp;lineItemId=b7208155-7380-48c1-bb53-9755099a0699&amp;contentId=91fcc39e-680a-40a2-86c6-d26450c8d8b5&amp;viewId=Sj2YcRszrsaVBGxoKPSjrQ&amp;providerId=yahoo_personal_finance_397&amp;site=finance&amp;spaceId=1183300100&amp;commerceSiteId=us-finance-pnr&amp;url=https%3A%2F%2Ffinance.yahoo.com%2Fpersonal-finance%2Fbanking%2Farticle%2Fbest-18-month-cd-rates-224504831.html\" scrolling=\"no\" height=\"480\" data-testid=\"iframe-with-resizer\" class=\"yf-16wd5dt\"><\/iframe> <\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->If you\u2019re unsure where to begin, don\u2019t worry: We\u2019ve done the research for you. Our team analyzed dozens of accounts to find the 10 best 18-month CDs, focusing on high yields, low fees, and easy-to-meet deposit requirements. (See our full methodology here.)<!-- HTML_TAG_END --><\/p>\n<h2 class=\"text article-heading-atom neo-font-heading-lg  yf-18d6y07\" id=\"best-18-month-cds\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->Best 18-month CDs<!-- HTML_TAG_END --> <\/h2>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->The following is a snapshot of our picks for the best 18-month CDs available today. Keep reading for more details about these accounts.<!-- HTML_TAG_END --><\/p>\n<h3 class=\"text article-heading-atom neo-font-label-2xl-emphasis  yf-18d6y07\" id=\"ally-bank\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->Ally Bank<!-- HTML_TAG_END --> <\/h3>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Ally\u2019s 18-month CD took the top spot on our list with a competitive rate of 3.5% APY and no minimum opening deposit requirement. Interest compounds daily.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Early withdrawals before the CD reaches maturity incur a fee equal to 60 days\u2019 interest.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Read our full review of Ally Bank<\/strong><!-- HTML_TAG_END --><\/p>\n<h3 class=\"text article-heading-atom neo-font-label-2xl-emphasis  yf-18d6y07\" id=\"synchrony-bank\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->Synchrony Bank<!-- HTML_TAG_END --> <\/h3>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Synchrony Bank\u2019s 18-month CD offers a competitive 3.7% APY with no minimum opening deposit. Making an early withdrawal from this account incurs a penalty of 180 days\u2019 simple interest.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Read our full review of Synchrony Bank<\/strong><!-- HTML_TAG_END --><\/p>\n<h3 class=\"text article-heading-atom neo-font-label-2xl-emphasis  yf-18d6y07\" id=\"marcus-by-goldman-sachs\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->Marcus by Goldman Sachs<!-- HTML_TAG_END --> <\/h3>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->The 18-month CD from Marcus by Goldman Sachs offers 3.8% APY and requires a minimum deposit of $500. Interest compounds daily.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Making an early withdrawal from this account results in a penalty equal to 180 days\u2019 interest on the original principal balance at the interest rate in effect for the CD.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Read our full review of Marcus by Goldman Sachs<\/strong><!-- HTML_TAG_END --><\/p>\n<h3 class=\"text article-heading-atom neo-font-label-2xl-emphasis  yf-18d6y07\" id=\"limelight-bank\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->Limelight Bank<!-- HTML_TAG_END --> <\/h3>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Account details<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Limelight Bank\u2019s 18-month CD offers an impressive rate of 3.9% with a minimum deposit of $1,000. Interest compounds daily and is credited quarterly.<!-- HTML_TAG_END --><\/p>\n<h3 class=\"text article-heading-atom neo-font-label-2xl-emphasis  yf-18d6y07\" id=\"live-oak-bank\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->Live Oak Bank<!-- HTML_TAG_END --> <\/h3>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Live Oak Bank\u2019s 18-month CD offers a competitive 3.7% APY, and interest compounds daily. This account also has the highest minimum opening deposit on our list at $2,500.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->The early withdrawal penalty for this account is equal to 90 days\u2019 simple interest.<!-- HTML_TAG_END --><\/p>\n<h3 class=\"text article-heading-atom neo-font-label-2xl-emphasis  yf-18d6y07\" id=\"america-first-credit-union\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->America First Credit Union<!-- HTML_TAG_END --> <\/h3>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->America First Credit Union\u2019s 18-month CD offers 3.95% APY and requires a minimum opening deposit of $500. Dividends are compounded and credited monthly.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->The early withdrawal penalty for this account is equal to 180 days\u2019 dividends.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Read our full review of America First Credit Union<\/strong><!-- HTML_TAG_END --><\/p>\n<h3 class=\"text article-heading-atom neo-font-label-2xl-emphasis  yf-18d6y07\" id=\"bank5connect\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->Bank5Connect<!-- HTML_TAG_END --> <\/h3>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Bank5Connect\u2019s 18-month CD requires a minimum opening deposit of $500 and offers 3.2% APY. Interest compounds monthly. The early withdrawal penalty is six months\u2019 interest.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Read our full review of Bank5 Connect<\/strong><!-- HTML_TAG_END --><\/p>\n<h3 class=\"text article-heading-atom neo-font-label-2xl-emphasis  yf-18d6y07\" id=\"bask-bank\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->Bask Bank<!-- HTML_TAG_END --> <\/h3>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Bask Bank\u2019s 18-month CD provides a competitive 3.75% APY with a minimum opening deposit of $1,000. The penalty for making an early withdrawal from this account is equal to 180 days\u2019 interest based on the principal amount withdrawn.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Read our full review of Bask Bank<\/strong><!-- HTML_TAG_END --><\/p>\n<h3 class=\"text article-heading-atom neo-font-label-2xl-emphasis  yf-18d6y07\" id=\"tab-bank\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->TAB Bank<!-- HTML_TAG_END --> <\/h3>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->TAB Bank\u2019s 18-month CD features a rate of 3.87% APY with daily compounding interest. The minimum opening deposit for this account is $1,000.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->The penalty for early withdrawals is equal to 180 days\u2019 interest on the amount withdrawn.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Read our full review of TAB Bank<\/strong><!-- HTML_TAG_END --><\/p>\n<h3 class=\"text article-heading-atom neo-font-label-2xl-emphasis  yf-18d6y07\" id=\"bread-savings\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->Bread Savings<!-- HTML_TAG_END --> <\/h3>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->The 18-month CD from Bread Savings offers 3.85% APY, though the minimum opening deposit for this account is on the higher end at $1,500. Interest is compounded daily and credited monthly.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Read our full review of Bread Savings<\/strong><!-- HTML_TAG_END --><\/p>\n<h2 class=\"text article-heading-atom neo-font-heading-lg  yf-18d6y07\" id=\"18-month-cd-faqs\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->18-month CD FAQs<!-- HTML_TAG_END --> <\/h2>\n<h3 class=\"text article-heading-atom neo-font-label-2xl-emphasis  yf-18d6y07\" id=\"how-much-do-you-make-on-an-18-month-cd\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->How much do you make on an 18-month CD?<!-- HTML_TAG_END --> <\/h3>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->The amount of interest you can expect to earn from an 18-month CD depends on how much you deposit, your CD\u2019s interest rate, and how frequently the interest on your CD compounds.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Right now, the most competitive CD rates on the market are as high as 4%. So, say you deposit $1,000 into an 18-month CD at a rate of 4% APY. If interest compounds monthly, you&#8217;d earn about $60 in interest by the end of your CD&#8217;s term.<!-- HTML_TAG_END --><\/p>\n<h3 class=\"text article-heading-atom neo-font-label-2xl-emphasis  yf-18d6y07\" id=\"is-an-18-month-cd-a-good-idea\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->Is an 18-month CD a good idea?<!-- HTML_TAG_END --> <\/h3>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->An 18-month CD can be a worthwhile investment if you can secure a favorable rate and know you won&#8217;t need to access the funds for that period of time. If you have a specific goal and timeline in mind, using a CD to boost your savings can be a smart strategy.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Explore the best CD rates:<\/strong><!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><em>Read more: <\/em><em>Understanding CD terms: How long should you lock in your money?<\/em><!-- HTML_TAG_END --><\/p>\n<h2 class=\"text article-heading-atom neo-font-heading-lg  yf-18d6y07\" id=\"best-18-month-cds-methodology\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->Best 18-month CDs methodology<!-- HTML_TAG_END --> <\/h2>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Our grading system, collected and carefully reviewed by our personal finance experts, comprised over 300 data points for federally insured CDs with 18-month terms. We used this data to develop our list of the best CDs.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->We evaluated these accounts according to several key metrics, including annual percentage yield, minimum opening deposit, compounding frequency, and more.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->The accounts on our list could earn a maximum of 25 points across all metrics. Here\u2019s a closer look at the categories we considered:<!-- HTML_TAG_END --><\/p>\n<ul class=\"yf-1p2hw41\">\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Annual percentage yield (APY): <\/strong>Accounts with higher APYs were rewarded with more points than those with lower APYs. Note that rates on our list are current at the time of publishing, but are subject to change at any time.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Minimum opening deposit: <\/strong>Many CDs require a minimum deposit to open an account. Accounts with no or low minimum deposit requirements ranked more favorably than those with higher opening deposit requirements.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Compounding frequency:<\/strong> Compounding can occur daily, monthly, quarterly, or even annually. We awarded more points to accounts that compound interest frequently.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Customer service contact methods:<\/strong> Our team awarded one point for every contact method available to customers (phone, email, chat).<!-- HTML_TAG_END --><\/p>\n<\/li>\n<\/ul><\/div>\n<p><br \/>\n<br \/><a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re looking for a way to earn a competitive return on your savings without locking up your money for years, an 18-month CD could be the sweet spot. This mid-term option offers higher interest rates than most savings accounts while giving you more flexibility than longer-term CDs. If you\u2019re unsure where to begin, don\u2019t [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":89492,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_daextam_enable_autolinks":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[10],"tags":[477,1007,478,62,1009],"class_list":["post-89491","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-news","tag-apy","tag-deposit-requirements","tag-interest-compounds","tag-interest-rates","tag-minimum-deposit"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/diyhaven858.wasmer.app\/wp-content\/uploads\/2026\/05\/30a98800-32de-11ef-8ffb-15f72715bd26.jpeg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts\/89491","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/comments?post=89491"}],"version-history":[{"count":0,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts\/89491\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/media\/89492"}],"wp:attachment":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/media?parent=89491"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/categories?post=89491"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/tags?post=89491"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}