18-Month CD – Extended Growth with Confidence
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 06/20/2026
Have More Questions About Opening a CD? Contact Our Team!