Looking for a way to earn a competitive return on your savings? Consider an 18-month CD, offering higher interest rates than savings accounts with more flexibility than longer-term CDs. Ally’s 18-month CD leads with a 3.6% APY and no minimum deposit requirement. Synchrony Bank offers a 3.8% APY, while Marcus by Goldman Sachs provides a 4% APY. Live Oak Bank, America First Credit Union, and Bank5Connect also offer competitive rates. Early withdrawal penalties vary, so choose wisely based on your financial goals. Make an informed decision by reading full reviews of these top 18-month CDs.

Read more at Yahoo Finance: Earn up to 4% APY