Best 18-month CD rates for January 2026: Earn up to 4% APY

If you’re looking for a way to earn a competitive return on your savings without locking up your money for years, an 18-month CD could be the sweet spot. This mid-term option offers higher interest rates than most savings accounts while giving you more flexibility than longer-term CDs. If you’re unsure where to begin, don’t worry: We’ve done the research for you. Our team analyzed dozens of accounts to find the 10 best 18-month CDs, focusing on high yields, low fees, and easy-to-meet deposit requirements. ...