Best 18-month CD rates

Requirements

Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.

Offer: Early withdrawal penalty: 180 days simple interest for terms 12 months to 3 years.

Requirements

Product: $10,000 minimum opening account deposit and balance requirement. Minimum balance to earn interest is $0.01. Fixed interest rate. Interest compounded daily and credited monthly (optionally quarterly or at maturity for terms <12 months). External account validation required. Penalty imposed for early withdrawal. Fees may reduce earnings.

Offer: Fixed rate. Requires $10,000 minimum opening deposit. Penalty for early withdrawal is 270 days simple interest for terms >=12 months but <36 months.

Requirements

Product: Personal accounts only. A penalty will be imposed for premature withdrawal. Maximum deposit amount is $500,000 for Special CD and Special IRA CD.

Offer: Personal accounts only. Penalty for premature withdrawal. Maximum deposit amount is $500,000.

Requirements

Product: No monthly maintenance fees. APY is fixed for the term of the CD but subject to change upon renewal. Early withdrawal penalty applies. Ten Day Best Rate Guarantee. Compound interest daily. Available to open in the name of a trust. Automatic renewal at maturity. 0.05% Loyalty Reward when renewing to any CD.

Offer: No minimum deposit to open or earn APY. Fixed rate. Early withdrawal penalty applies (60 days loss of interest).

Requirements

Product: Must have a physical address in the United States and satisfy applicable age of majority requirements. Early withdrawal penalties apply (90 days' simple interest for terms 12 months or less, 180 days' simple interest for terms greater than 12 months). Automatically renews at maturity with a 10-day grace period. No monthly maintenance fees.

Offer: Advertised Interest Rate and Annual Percentage Yield (APY) may change after maturity, applies to personal accounts only. Penalty may be charged for early withdrawal.

Requirements

Product: Early withdrawal penalties apply (Terms of 12 months or less: 90 days simple interest; Terms of more than 12 months but less than 48 months: 180 days simple interest; Terms of 48 months or more: 365 days simple interest). Personal non-IRA accounts only.

Requirements

Product: No minimum opening balance or deposit required to open. No monthly maintenance or annual fees. In order to maintain an account, funding must occur within 14 days of account opening. Must maintain a minimum balance that earns at least $0.01 for interest to post. Early withdrawal penalty applies: 90 days simple interest for terms <= 24 months, 180 days simple interest for terms > 24 months.

Requirements

Product: Assumes interest will remain on deposit until maturity. Early withdrawal penalties may apply. $500 minimum deposit required to open any CD.

Offer: All deposits to the 18-month CD must be new money. "New money" is defined as funds that are not currently and were not previously on deposit with Lake Shore Bank. Financial institutions, as defined in the sole discretion of Lake Shore Bank, are ineligible depositors for this product.

Requirements

Offer: Dividends paid at end of each month. 6-18 Months: You choose your term for the set rate.

Requirements

Product: $500 minimum balance/opening deposit. Fixed rate until maturity. Early withdrawal penalty applies to withdrawal of principal prior to maturity. 10-Day CD Rate Guarantee applies. Maximum balance limits apply.

Offer: $500 minimum to open and earn stated APY.

Requirements

Product: APY is for the 18-month CD. Rate is fixed for the term. No minimum deposit to open. Minimum daily balance $0.01 to obtain APY. APY assumes interest remains on deposit until maturity; a withdrawal reduces earnings. Early withdrawal penalty equals 6 months of interest. Automatic renewal with 10-day grace period.

Offer: Rates from current rate sheet.

Requirements

Product: Bump-up CDs that give the ability to raise the rate and add more money to the account during the term if rates increase. Interest credited every 3 months. Account maximum $1,000,000. Early withdrawal penalty may apply.

Offer: Bump-up CD with ability to raise rate and add money during term. Interest credited every 3 months. Account maximum $1,000,000. Early withdrawal penalty may apply.

Requirements

Product: Single deposit with no maximum amount; online funding limits apply ($5,000 for external transfers, $50,000 for internal transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly and accrue daily.

Requirements

Product: Must be a United States citizen or Permanent Resident with a valid Social Security Number. Accounts are opened and managed online. Trust accounts are not offered.

Requirements

Product: Minimum deposit of $1,000 required to open and obtain APY. Monthly compounding dividends. Early withdrawal penalties may apply to certificates. Fees may reduce earnings and the principal amount may be reduced to cover the penalty.