Here's how much interest a $100,000 18-month CD can earn savers now
A $100,000 18-month CD can produce a big return for savers who act now. This is how much interest they'll earn.
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September 1, 2026 / 3:44 PM EDT / CBS News
Moving any amount of money into a certificate of deposit (CD) account should always be done strategically. And that's especially true when there's a large, six-figure amount of money under consideration. When considering a long-term account, specifically, even more care should be taken, as maintaining an account of this length to maturity will generally be more difficult to complete, especially if you have $100,000 locked away. But these considerations shouldn't necessarily be enough to discount the benefits a $100,000 18-month CD offers savers right now, either.
With inflation still high, borrowing costs expected to rise further in the weeks ahead and credit card balances already impacting your money, protecting a large portion of it for the next year and a half makes a lot of financial sense right now. And with interest rates on 18-month CDs, in particular, higher than what's available with most other terms, this can be a particularly lucrative move to make, too. Still, early withdrawal penalties on account of this length and size will be costly, so you'll need to be informed and strategic before making any transfers. That starts with knowing the interest-earning capacity of a $100,000 18-month CD account if opened right now. Below, we'll outline the returns that savers can expect to see.
See how much interest you can be earning with a CD account here .