Certificate (CD) calculator
Calculate what a share certificate — a credit union CD — will be worth at maturity. Lock in a guaranteed APY for a set term; credit union certificates are often among the most competitive available.
Frequently asked questions
How is CD interest calculated?
A certificate earns a fixed APY over its term, compounding until maturity. This calculator shows the maturity value and total interest for the deposit, APY, and term you enter.
What happens if I withdraw early?
Withdrawing before the term ends usually forfeits some interest (an early-withdrawal penalty), so certificates suit money you won't need until maturity.
Estimates are for illustration only and assume monthly compounding; actual terms vary by credit union. Not financial advice.