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.
See Much Interest You Can Earn
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% | 8 month special offer4 | 4.410% | 4.50% |
| 9 months1 | 1.243% | 1.25% | |
| 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 Dec 14, 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. 48-MONTH CD SPECIAL. Not applicable for Public Funds. Online/mobile opening not available. To receive the above stated 8-month term at 4.50% APY, 8-month CD must be opened with a minimum balance of $1,000. Early withdrawal penalty is 90 days of interest for promotional terms. 8-month CD special is not eligible for rate protector, a one-time rate bump over the course of the term. 8-month CD special will renew at the standard 9-month terms upon maturity. | |||
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
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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.
