Best 18 Month CD rates of November 2026 (Up to 5.05%)

As of November 5, 2026, the highest 18 Month CD rate RateBrain tracks is 5.05% APY from USALLIANCE Financial, checked 1 day ago.

The median across the 100 18 Month CD rates RateBrain tracks is 3.95% APY.

At 5.05% APY, $10,000 earns about $767 over the 18 month term, held to maturity.

The APY for a $10,000 deposit, as published by the bank or credit union on its own website.

RateBrain reads each bank's and credit union's own rate pages on a rolling schedule and records every rate it finds. A rate not confirmed in 30 days is left off this list until it is checked again.