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If your CD pays out interest monthly, your maturity balance will be slightly lower.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Time your CD with your goals.","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" A CD that matures right when you need the money is a planning win. Use the term selector to align your CD's maturity date with a specific milestone.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Consider taxes.","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" CD interest is taxable in the year it's earned or credited, even if you don't withdraw it. 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Results are rounded to the nearest cent.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"CD earnings shown are pre-tax gross returns. Your actual after-tax return will depend on your individual tax situation. For large deposits or complex scenarios, consider consulting a financial advisor.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}},"id":"69a0bb43c763890004f215d9"}]}]}],"$L36"]}],"$L37"]}]]}]}]}]
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36:["$","div",null,{"className":"bg-white rounded-lg shadow-sm p-8","children":[["$","h2",null,{"className":"typo-large mb-6 text-mist-950","children":"Frequently Asked Questions"}],["$","div",null,{"className":"space-y-6","children":[["$","div","0",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What's the difference between interest rate and APY?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"The interest rate is the base annual rate on your deposit. APY (Annual Percentage Yield) accounts for compounding — it reflects your actual annual return when interest is reinvested. For monthly compounding, APY is slightly higher than the stated rate. This calculator uses the interest rate you enter; if your bank advertises APY, entering that value will give you a close estimate.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","1",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Can I add money to a CD after opening it?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Standard CDs don't allow additional deposits after the initial opening. If you want to contribute money over time, look for \"add-on CDs,\" which specifically allow this — though they're less common and sometimes carry lower rates.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","2",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What happens when my CD matures?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Most banks automatically roll the CD over into a new CD at the current rate unless you instruct them otherwise. You typically have a grace period (often 7–10 days) to withdraw without penalty, change the term, or reinvest. Mark your maturity date on your calendar so you don't miss this window.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","3",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Is CD interest taxable?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Yes. CD interest is reported as ordinary income and taxed at your marginal federal tax rate, plus any applicable state taxes. For large deposits, this can meaningfully reduce your net return. You'll receive a 1099-INT from your bank each year.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","4",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What's a good CD interest rate right now?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Rates change with broader monetary policy. Historically, competitive CD rates from online banks have ranged from 4%–5.5% during periods of higher interest rates, dropping to under 1% when rates are low. Use this calculator with the actual rate you're being offered — that's the only number that matters for your specific decision.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],"$L38","$L39","$L3a","$L3b"]}]]}]
37:["$","div",null,{"className":"lg:col-span-2","children":[["$","div",null,{"className":"sticky top-24 mb-6 max-h-[calc(100vh-6rem)] overflow-y-auto space-y-4","children":[["$","$L3c",null,{"className":"rounded-xl shadow-sm","id":"cmdqz438g0001ky07mgyn30pj"}],["$","div",null,{"className":"bg-white rounded-lg shadow-sm p-4","children":["$","nav",null,{"aria-label":"Table of contents","children":[["$","h2",null,{"className":"text-lg font-display font-normal mb-4 text-mist-900","children":"Table of Contents"}],["$","ul",null,{"className":"space-y-2.5","children":[["$","li","what-is-a-certificate-of-deposit-cd",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#what-is-a-certificate-of-deposit-cd","children":"What Is a Certificate of Deposit (CD)?"}]}],["$","li","how-cd-interest-is-calculated",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#how-cd-interest-is-calculated","children":"How CD Interest Is Calculated"}]}],["$","li","how-to-use-this-cd-calculator",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#how-to-use-this-cd-calculator","children":"How to Use This CD Calculator"}]}],["$","li","real-world-examples",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#real-world-examples","children":"Real-World Examples"}]}],["$","li","short-term-parking-spot",{"className":"ml-3","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#short-term-parking-spot","children":"Short-term parking spot"}]}],["$","li","locking-in-a-rate-before-it-drops",{"className":"ml-3","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#locking-in-a-rate-before-it-drops","children":"Locking in a rate before it drops"}]}],["$","li","long-term-compound-growth",{"className":"ml-3","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#long-term-compound-growth","children":"Long-term compound growth"}]}],["$","li","testing-a-smaller-amount",{"className":"ml-3","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#testing-a-smaller-amount","children":"Testing a smaller amount"}]}],["$","li","choosing-between-months-and-years",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#choosing-between-months-and-years","children":"Choosing Between Months and Years"}]}],["$","li","tips-for-getting-the-most-from-your-cd",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#tips-for-getting-the-most-from-your-cd","children":"Tips for Getting the Most from Your CD"}]}],["$","li","a-note-on-the-formula",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#a-note-on-the-formula","children":"A Note on the Formula"}]}]]}]]}]}]]}],["$","div",null,{"className":"space-y-6","children":false}]]}]
38:["$","div","5",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What's the minimum deposit for a CD?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"It varies by institution. Some online banks offer CDs with no minimum. Traditional banks often require $500–$1,000 as a minimum. Jumbo CDs — typically $100,000 or more — sometimes offer higher rates in exchange for the larger commitment.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
39:["$","div","6",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How does early withdrawal work?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"If you withdraw before the CD matures, the bank charges a penalty — usually expressed as a number of days' interest (e.g., 90 days' interest for a 12-month CD). This means withdrawing early can sometimes eat into your principal, not just your earnings. Always read the penalty terms before opening a CD.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3a:["$","div","7",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Are CDs better than high-yield savings accounts?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"It depends on your needs. CDs typically offer higher rates in exchange for locking up your money. High-yield savings accounts offer more flexibility but variable rates. If you're confident you won't need the funds for the CD's full term, a CD usually wins on return. If you might need access, keep at least a portion in a liquid account.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3b:["$","div","8",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Can I have multiple CDs at different banks?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Absolutely, and it's a smart strategy. Each bank insures your deposits up to $250,000 per depositor under FDIC coverage, so spreading deposits across banks can extend your coverage on larger amounts while letting you capture different rates and term lengths.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]