18 Month CD
Build More Over Time
If you’re looking to lock in your savings for longer and maximize your earning potential, an 18 Month Certificate of Deposit (CD) offers a dependable way to grow your balance. With a fixed rate and a clearly defined term, it’s a steady, no-surprises approach to reaching your savings goals.
Certificates of Deposit – CD Accounts
Certificates of deposit are a great way to earn interest on a lump sum over a specified period of time. CD accounts differ slightly from traditional savings accounts; they are based on specific, fixed rate terms and interest rates. With account types ranging from 6 months to 5 years, a CD provides a higher rate of interest than a traditional savings account.
| Account Type | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 6 Month | 3.73% | 3.85% |
| 12 Month | 3.77% | 3.90% |
| 18 Month | 3.82% | 3.95% |
| 2 Year | 3.87% | 4.00% |
| 3 Year | 3.35% | 3.45% |
| 4 Year | 3.35% | 3.45% |
| 5 Year | 3.35% | 3.45% |
Why Choose an 18 Month CD?
An 18 Month CD is ideal for savers who are comfortable setting funds aside in exchange for greater earning potential over time.
- Earn a fixed rate for the full 18 Month term
- Higher growth potential with a longer commitment
- Protection from market fluctuations
- A disciplined strategy for mid-term financial goals
Whether you’re planning for a larger upcoming expense or want to strengthen your overall savings strategy, an 18 Month CD helps you stay focused and intentional.
How an 18 Month CD Works
Certificates of Deposit are designed for savers who want predictable growth over a set period.
Here’s what to expect:
- You deposit a lump sum for an 18 Month term
- Your interest rate remains fixed for the entire period
- Interest accrues over the life of the CD
- At maturity, you can withdraw, renew, or reinvest
- Early withdrawals may result in a penalty
Because CDs are not intended for everyday access to funds, early withdrawals may result in a penalty.
How to Open an 18 Month CD
Getting started is simple:
- Apply through our secure online account opening system
- Provide a valid government issued ID and funding method
- Your application will be reviewed and confirmed
- A banking associate will follow up if additional information is needed
- Ongoing support is available whenever you need it
Our team is available to answer questions and provide personalized support throughout the process.
A Trusted Partner for Long‑Term Savings
At Quaint Oak Bank, we take a relationship-based approach to banking. Our team works with you to understand your goals and recommend savings solutions that align with your plans — both now and down the road.
Whether this CD supports a specific goal or is part of a broader strategy, you’ll have guidance every step of the way.
Ready to Get Started?
Open an 18 Month CD today and give your savings more time to grow with confidence.
All Rates are Effective 07/20/2026
Have More Questions About Opening a CD? Contact Our Team!