How much interest will an $18,000 long-term CD account earn if opened this July?

With inflation high and savings rates low, long-term CDs (rates over ~4%) are a smarter place than a traditional savings account to park cash right now.
An $18,000 CD can earn real money — roughly $1,100 in 18 months or about $9,400 over 10 years at current top rates — so term choice matters.
Shop online for the best CD rates (online banks often pay more) and remember funds are locked in — early withdrawal penalties can be steep.