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Certificate (CD)
Calculator
Lock in a rate and watch your savings grow.
Use this Certificate (CD) Calculator to estimate how much interest your Certificate could earn by the end of its term.
Certificate (CD) FAQs
What should I know before using this calculator?
This calculator estimates how much interest your Certificate could earn based on your opening balance, rate, and term. Use current Certificate rates for the closest picture, and keep in mind these figures aren’t guaranteed earnings.
How does term length affect what I earn?
Term length affects what you earn because your rate stays fixed for the full term, so a longer term gives interest more time to build. Try a few terms in this calculator to see how much each one could earn.
What happens if I need my money before the term ends?
If you need your money before your Certificate’s term ends, an early withdrawal penalty may apply and may reduce your earnings. For money you might need sooner, a savings or money market account may be a better match.
Savings With a Rate That Stays Put
At City & County Credit Union, our Certificates give you a set rate and a set end date, so there’s no guessing what you’ll earn.
- Open with $1,000 ($100 for ages 17 and younger)
- Terms from six to 60 months
- No monthly or service fees
- Up to $500,000 in combined NCUA and ESI coverage
Pick a Finish Line for Your Savings
Open a Certificate online, or call us at (800) 223-2801 to talk through your term options.