Certificate Calculator
Certificate of Deposit Calculator
See how much interest a certificate of deposit could earn over its term, including your annual percentage yield (APY).
Certificate details
Enter your opening deposit, term, and rate to see what your certificate will be worth at maturity.
$
5 years
%
How often interest is added to your balance. Check your certificate disclosure.
Value at maturity
$1,216.65Your certificate matures around July 2031, after 5 years.Opening deposit$1,000
Interest earned$216.65
Annual percentage yield (APY)4.00%
Lock in a great rate
Open a share certificate and earn a guaranteed return on money you won't need right away.
| Year | Interest earned | Balance |
|---|---|---|
| 1 | $40.00 | $1,040.00 |
| 2 | $41.60 | $1,081.60 |
| 3 | $43.26 | $1,124.86 |
| 4 | $45.00 | $1,169.86 |
| 5 | $46.79 | $1,216.65 |