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34:["$","div",null,{"className":"bg-white rounded-lg shadow-sm p-8","children":[["$","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":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How much interest will I earn on a CD?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"That depends on three things: your deposit amount, the APY, and the term length. For example, a $10,000 deposit at 5.00% APY for 12 months earns approximately $500 in interest. Use the calculator above to see your exact earnings based on your specific numbers.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","1",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What is the difference between APY and APR on a CD?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"APR is the base annual interest rate, while APY includes the effect of compounding — meaning APY reflects what you actually earn. A CD with 5.00% APR compounded monthly has an APY of about 5.12%. When comparing CD offers, always compare APY to APY for an accurate comparison.","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 if I withdraw from a CD early?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"You'll pay an early withdrawal penalty, which typically ranges from 3 to 18 months of interest depending on the CD term. On shorter CDs (under 1 year), the penalty might wipe out all your interest. Some banks offer no-penalty CDs with lower rates that allow early withdrawal without fees.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","3",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What is a CD ladder and how does it work?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"A CD ladder splits your money across multiple CDs with staggered maturity dates — for example, investing equal amounts in 1-year, 2-year, 3-year, 4-year, and 5-year CDs. As each CD matures, you reinvest into the longest term. This gives you access to a portion of your money every year while still earning higher long-term 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}}}]}]]}],["$","div","4",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Are CDs safe? Is my money protected?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Yes. CDs at FDIC-insured banks are protected up to $250,000 per depositor, per institution. Credit union CDs (called share certificates) are similarly insured through the NCUA. Your principal and earned interest are guaranteed — even if the bank fails, you won't lose your insured deposits.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],"$L36","$L37","$L38","$L39","$L3a"]}]]}]
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2d:[["$","title","0",{"children":"CD Calculator — Certificate of Deposit Interest"}],["$","meta","1",{"name":"description","content":"Calculate your CD earnings instantly. Enter deposit amount, APY, and term to see total interest earned and value at maturity for any certificate of deposit."}],["$","link","2",{"rel":"canonical","href":"https://activecalculator.com/calculators/finance/cd"}],["$","meta","3",{"property":"og:title","content":"CD Calculator — Certificate of Deposit Interest"}],["$","meta","4",{"property":"og:description","content":"Calculate your CD earnings instantly. Enter deposit amount, APY, and term to see total interest earned and value at maturity for any certificate of deposit."}],["$","meta","5",{"property":"og:url","content":"https://activecalculator.com/calculators/finance/cd"}],["$","meta","6",{"property":"og:site_name","content":"ActiveCalculator"}],["$","meta","7",{"property":"og:locale","content":"en_US"}],["$","meta","8",{"property":"og:image","content":"https://activecalculator.com/api/og/calculator?title=CD%20Calculator%20%E2%80%94%20Certificate%20of%20Deposit"}],["$","meta","9",{"property":"og:image:width","content":"1200"}],["$","meta","10",{"property":"og:image:height","content":"630"}],["$","meta","11",{"property":"og:image:alt","content":"CD Calculator — Certificate of Deposit Interest"}],["$","meta","12",{"property":"og:type","content":"website"}],["$","meta","13",{"name":"twitter:card","content":"summary_large_image"}],["$","meta","14",{"name":"twitter:site","content":"@activecalculator"}],["$","meta","15",{"name":"twitter:creator","content":"@activecalculator"}],["$","meta","16",{"name":"twitter:title","content":"CD Calculator — Certificate of Deposit Interest"}],["$","meta","17",{"name":"twitter:description","content":"Calculate your CD earnings instantly. Enter deposit amount, APY, and term to see total interest earned and value at maturity for any certificate of deposit."}],["$","meta","18",{"name":"twitter:image","content":"https://activecalculator.com/api/og/calculator?title=CD%20Calculator%20%E2%80%94%20Certificate%20of%20Deposit"}],["$","link","19",{"rel":"icon","href":"/favicon.ico?756f06c5b2066fec","type":"image/x-icon","sizes":"48x48"}],["$","$L3c","20",{}]]
36:["$","div","5",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Should I choose a short-term or long-term CD?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"It depends on when you'll need the money and your outlook on interest rates. Short-term CDs (3–12 months) give you quicker access and flexibility to reinvest at potentially higher rates. Long-term CDs (2–5 years) lock in today's rate, which is advantageous if you expect rates to decline. If you're unsure, a CD ladder offers the best of both.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
37:["$","div","6",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How does compounding frequency affect CD earnings?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"More frequent compounding earns slightly more interest because you earn interest on previously earned interest sooner. On a $10,000 CD at 5.00% for one year, daily compounding earns about $12.67 more than annual compounding. The difference grows with larger deposits and longer terms.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
38:["$","div","7",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Are CD earnings taxable?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Yes. Interest earned on CDs is taxed as ordinary income by the IRS, even if you don't withdraw the money until the CD matures. Your bank will send you a 1099-INT form each year for any interest earned over $10. The tax applies in the year the interest is credited, not necessarily when you receive it.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
39:["$","div","8",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What is a good CD rate right now?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"CD rates fluctuate based on the Federal Reserve's interest rate decisions. Generally, online banks and credit unions offer higher rates than traditional brick-and-mortar banks. A competitive rate is typically 0.5% to 1.0% above the average savings account rate. Check current rates from multiple institutions before committing.","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:["$","div","9",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Can I add money to a CD after opening it?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Standard CDs don't allow additional deposits after the initial funding. However, some banks offer add-on CDs or bump-up CDs that let you make additional contributions or request a rate increase during the term. These specialized CDs may come with slightly lower initial rates as a trade-off for the added flexibility.","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}}}]}]]}]