Best 18-month CD rates

Requirements

Product: Minimum balance of $0.01 in the account each day to obtain APY. Interest compounded and credited monthly. Early withdrawal penalties apply. No additional deposits until maturity.

Offer: 18 Month Special. New Money Only.

Requirements

Product: Minimum balance to open account and obtain the APY is $500. Rates are subject to change without notice. Fees may reduce earnings. Early withdrawals are subject to penalties. Dividends compounded monthly, credited monthly. Choose from a wide range of terms, from 3 months to 5 years. Membership eligibility required. Special promotional certificate products (7-Month, 12-Month, 18-Month) are not eligible for IRA certificates.

Offer: This limited time offer is for new money only (funds not already on deposit with XCEL nor have been on deposit in any XCEL account over the prior 30 days). Upon maturity, the 18-month certificate will automatically roll into a 12-month Share Certificate at the prevailing rate unless alternate instructions are provided. Membership eligibility required. Not eligible for IRA certificates.

Requirements

Product: Dividends can be withdrawn or added to the certificate. No setup or maintenance fees. All Share Certificates automatically renew at maturity if no action is taken. Save-up option available on 12, 18, 24, and 36 month terms (add in minimum increments of $100). Step-up option available on 24 and 36 month terms (one-time rate change). Early withdrawal penalty applies.

Offer: Dividends Compounded & Paid Quarterly. Penalty will be imposed for early withdrawal. Save-up option available.

Requirements

Product: Rates are fixed. Dividends may be withdrawn without penalty; early withdrawal of principal may incur penalties.

Requirements

Product: At account holder's request, interest rate and APY may be increased prior to maturity without penalty if rates increase (one time during 18-month term or two times during 42-month term). Early withdrawal penalty may apply.

Offer: Interest rate and APY may be increased one time during the 18-month term prior to maturity without penalty to current interest rate/APY for new CDs of the same type.

Requirements

Product: Subject to membership eligibility. Early withdrawal penalty may apply. Maximum deposit $250,000 per member. Fees may reduce earnings. Rates are subject to change without notice.

Offer: Minimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member.

Requirements

Product: At maturity, certificate funds will renew at the current 12-month rate in effect. Normal early withdrawal penalties apply. Fees could reduce earnings.

Offer: Regular certificate. Compounded daily, paid quarterly.

Requirements

Product: Assumes dividends remain in certificate until maturity. Withdrawals and fees could reduce earnings. Penalties may be imposed for early withdrawal; penalty-free withdrawals for tuition and home purchases only. Rate-increase feature applies if rate rises within 5 calendar days of opening (only once). At renewal, certificate earns the rate on the day of maturity.

Requirements

Product: Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.

Requirements

Product: Maximum deposit amount of $250,000 when opened online. Maximum deposit amount of $500,000 when opened in branch. Available for amounts up to $500,000. Automatically renews into same term CD and rate offered at time of maturity. Penalty for early withdrawals.

Requirements

Product: No setup fees. Minimum initial deposit is $1,000.

Offer: Dividends compound monthly. Early withdrawal penalty applies (12 to 23 months: 90 days of dividends).

Requirements

Product: At maturity, account automatically renews for the same term at the current rate. During the 10-day grace period, may change term, balance, or make withdrawals without penalty.

Requirements

Product: Terms range from 3 months to 6 years. Early withdrawal penalty applies. Special rate offers limited to $1 million per depositor. Not available for Brokers/Agents/Public Funds/Financial Institutions.

Offer: Special rate offer limited to $1 million per depositor. Not available for Brokers/Agents/Public Funds/Financial Institutions. Penalty for early withdrawal.

Requirements

Product: Must live or work in Minnesota, or have an open and active account with Think Bank. Early withdrawal penalties apply: 90 days interest on accounts that mature in less than 2 years; 181 days interest on accounts that mature in 2 or more years. No service fees or sales charges.

Offer: Interest paid quarterly.