See exactly how much your CD could earn
Enter your deposit, advertised APY and term. Compare it with another rate to see how much choosing a better CD could add to your savings.
Your CD details
Estimated results
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Uses advertised APY
APY already reflects compounding, so the calculator avoids counting compounding twice.
No personal information
Your numbers stay in your browser. The calculator does not ask for account or identity information.
Built for comparisons
Compare a competitive rate with your current bank’s rate and see the estimated dollar difference.
How the CD calculator works
The calculator applies the advertised annual percentage yield to your deposit for the selected portion of a year. For a 12-month CD, a $25,000 deposit earning 4.25% APY would earn approximately $1,062.50 if the money remains deposited for the full term.
What this estimate does not include
- Early-withdrawal penalties
- Taxes on interest earnings
- Promotional requirements or membership fees
- Rate changes on variable-rate products
Important: Results are estimates for educational purposes and are not financial advice. Actual earnings can differ because of account terms, withdrawal timing, fees and rounding. Confirm the APY, maturity date and early-withdrawal penalty directly with the financial institution before opening an account.