"Watch CBS News") How much interest can a $40,000 18-month CD earn savers now? We may receive commissions from some links to products on this page. Promotions…
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# How much interest can a $40,000 18-month CD earn savers now?
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Matt Richardson
Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.
July 27, 2026 / 12:28 PM EDT / CBS News
Interest earnings on a $40,000 18-month CD could be worth thousands of dollars for savers who act now. Getty Images/iStockphoto
Locking your money into an 18-month [certificate of deposit (CD) account](https://www.cbsnews.com/news/whats-a-certificate-of-deposit-cd/) can be daunting, as the account requires you to leave the funds frozen until it hits its maturity date. [Withdraw it prematurely](https://www.cbsnews.com/news/cd-early-withdrawal-penalties-what-to-know/) and you'll get hit with a penalty worth all or most of the interest earned to that point. But forgoing access can be difficult to do for small amounts and even harder for those with larger, five-figure sums such as $40,000. That said, in today's unique economic landscape, it can still make financial sense.
CDs will protect your principal in a way that investments fundamentally cannot.