CD Calculator

Estimate interest earnings from a certificate of deposit based on rate and duration.

Table of contents

Example H2
Example H3
Example H4
Example H5
Example H6
CD Calculator

CD Calculator

Estimate certificate of deposit earnings, maturity value, and the impact of compounding or early withdrawal penalties.

Certificate of Deposit Snapshot

Enter your deposit, rate, term, and compounding method to estimate how much your CD may be worth at maturity.

Calculating
Maturity Value
$0
Estimated CD value at maturity
Interest Earned
$0
Before taxes or penalties
Effective APY
0%
Based on compounding frequency
After Penalty
$0
If early withdrawal applies

CD Details

$25,000
$
4.50%
%
12 months
mo
Monthly

Optional Early Withdrawal

No
6 months
mo
3 months interest
mo
Penalty is estimated as months of simple interest on the deposit.
0.00%
%
Optional estimate for after-tax interest.
CD Growth Over Time

Detailed Results

Initial Deposit$0
Gross Interest Earned$0
Estimated Taxes$0
After-Tax Interest$0
Maturity Value$0
Early Withdrawal Penalty$0
Value After Penalty$0

CD Read

Deposit & Earnings Breakdown
Term Comparison

Short-Term CD

Try a shorter CD term for faster access to funds.

Base Case

Uses the current deposit, rate, term, and compounding assumptions.

Longer-Term CD

Test a longer maturity to see the impact of more compounding time.

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Savings Accounts
Save with confidence and flexibility. Choose from accounts that help you reach your goals, with local service and digital access for easy money management.
Learn More
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CDs & IRAs
Plan ahead with secure, fixed-rate options that help your savings grow. CDs and IRAs offer reliable returns backed by hometown support.
Learn More
A small diagonal arrow icon
Loans
Find the right loan for your needs—personal, auto, home, or business. Get fair rates, quick decisions, and friendly service from people who know you.
Learn More
A small diagonal arrow icon
Digital Banking
Manage your accounts anytime, anywhere. Access balances, pay bills, and transfer funds with secure, easy-to-use online and mobile tools.
Learn More
A small diagonal arrow icon