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Certificate of Deposit Calculator

CD options and rates →

Use this calculator to find how much interest you will earn on the your certificate of deposit (CD). You can even enter competitor CD information to ensure you are getting the best return on your money.

Please note: TDECU certificate of deposit interest compounds monthly.

Your Information


Initial Deposit

The starting balance for your certificate.

Certificate Term (Months)

The total number of months for this Certificate to mature.

Interest Rate

The published rate for this Certificate. Make sure to enter the actual rate, not the annual percentage yield (APY).

Annual percentage yield (APY)

This is the effective annual rate earned for this certificate. A certificate's APY depends on the frequency of compounding and the rate. Since APY measures your actual earnings per year, you can use it to compare certificate's of different rates and compounding frequencies.


Earnings on your certificate's accumulated returns. This calculator allows you to choose the frequency that your certificate's income is added to your account. The more frequently this occurs, the sooner your accumulated income will generate additional returns. TDECU certificate returns are compounded monthly. You may wish to check with your financial institution to find out how often returns are being compounded on your particular certificate when doing a comparison.

Our financial calculators are provided as a free service to our members. The information supplied by these calculators is from various sources based on calculations we believe to be reliable (but are not guaranteed, explicit or implied) regarding their accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. TDECU does not accept any liability for loss or damage whatsoever, which may be attributable to the reliance on and use of the calculators. Use of any calculator constitutes acceptance of the terms of this agreement. TDECU recommends you to find a qualified professional for advice with regard to your personal finance issues.

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