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Certificate of Deposit (CD) Calculator

Use our free calculator to help determine how much interest you could earn with a certificate of deposit (CD). Whether you are saving for the years to come, or just a few months, this calculator can help you reach your savings goals.

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CD Rates

Share, Traditional IRA, Roth IRA, HSA,^ Coverdell Education & Jumbo Certificate Rates

Minimum opening deposit for Jumbo CDs is $100,000.00. Minimum opening deposit for all other CDs is $50.00 unless otherwise noted below.

Term Interest Rate APY*
3 months1 0.499% 0.50%
6 months1 1.243% 1.25%
9 months1 1.243% 1.25%
10 month special offer4 4.860% 4.97%
12 months1 1.490% 1.50%
18 months1 1.490% 1.50%
24 months1 1.588% 1.60%
30 months1 1.588% 1.60%
36 months1 1.933% 1.95%
48 months1 2.031% 2.05%
60 months1 2.129% 2.15%
12 month Add-On2^ 1.490% 1.50%
Jumbo 12 months3 1.736% 1.75%
Jumbo 24 months3 1.834% 1.85%
Jumbo 36 months3 2.178% 2.20%
Jumbo 48 months3 2.276% 2.30%
Jumbo 60 months3 2.374% 2.40%
Rates accurate as of Jul 18, 2024
All youth under the age of 18 will receive an additional 0.25% APY to the stated rates unless otherwise noted. A penalty fee may be imposed if you withdrawal funds prior to the maturity date. Insured by NCUA. *APY= Annual Percentage Yield. 1Rate Protector allows a one time rate adjustment for 3-36 month term CDs and a two time rate adjustment for 37-60 month term CDs with no penalties or fees. 2^12 month add-on not eligible for additional 0.25% APY youth rate bump or rate protector adjustment. 12-month add-on CD not eligible for IRA CD's. HSA CD only available on the 12-month add-on CD rate and term. Contact a member service representative to open an HSA CD. 3Jumbo CD not available for Coverdell Education Savings Accounts. 4To receive the above stated 10-month CD Special at 4.97% APY, the 10-month CD must be opened with a minimum balance of $1,000. Not eligible for rate protector benefit, a one-time rate bump over the course of the term. Early withdrawal penalty is 90 days of interest. 10-month CD Special will renew at the standard 12-month term upon maturity. Limited time offer. Rates subject to change without notice. Insured by NCUA.

CD Calculator

Information and interactive calculators are available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

 

Your Next Steps

Open A Certificate

Take advantage of our high yield certificates of deposit today. Open a CD online now. It only takes a few minutes!

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We understand you might still have questions about our certificates of deposits. Click the button below for more info.

Consider a Money Market

If you already have a CD, but want to maintain access to your funds in a yield yield savings account, consider a money market.

Zero Down Payment Offer

To make the process as simple as possible with our Zero Down Payment mortgage offer, we encourage you to speak with a mortgage expert so they can explain the requirements and guide you through the process!

Find An Expert Near You

Need Help? Contact us at 800.442.2800 and we will help you get started with the application process.