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.

Value at maturity$10,450.00
Interest earned$450.00
Total return4.50%

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Frequently asked questions

How is CD interest calculated?

A certificate earns a fixed APY over its term, compounding until maturity. This shows the maturity value and total interest.

What happens if I withdraw early?

Early withdrawal usually forfeits some interest, 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.