How much does a 7-month CD pay?

A 7-month CD pays seven twelfths of a year's compounding, calculated through A = P(1 + r/n)^(nt) with t set to 7 ÷ 12. At 4.75% APY, a $10,000 deposit earns $274.40 over the term; at 4.50% APY the same deposit earns $260.09. The interest is genuinely lower than a 12-month CD would pay, but the money is free again after seven months rather than twelve, and that optionality is the point. Odd terms like this are usually promotional — banks use them to attract deposits without repricing their standard shelf — so the advertised rate is often above the 12-month rate. The thing to diary is the renewal: a promotional 7-month CD that rolls over typically reverts to the bank's standard rate for that term, which can be considerably lower.

How much does a 4-month CD pay?

A 4-month CD pays a third of a year's compounding through A = P(1 + r/n)^(nt), with t set to 4 ÷ 12. At 4.50% APY a $10,000 deposit earns $147.80 over the term; at 4.25% APY the same deposit earns $139.71. The absolute figure is small because the term is short, so the practical question is rarely whether four months beats twelve on interest — it does not — but whether the rate beats what a savings account would pay you over the same window while keeping the money accessible. Short promotional terms often carry rates above the standard 12-month offer, which is what makes them worth checking. Penalties on terms under a year are typically around three months of interest, so leaving early on a 4-month CD can wipe out most of the return.

Why do banks offer odd terms like 4, 7 and 13 months?

Because an odd term lets a bank raise its rate for new deposits without repricing the CDs it already sells. If a bank advertises a higher rate on its standard 12-month CD, it invites every existing customer to ask why they are not getting it. A 7-month or 13-month promotional CD is a different product, so the standard shelf stays where it is. That is why promotional odd terms frequently pay more than the neighbouring standard terms — a 7-month CD at 4.75% APY earning $274.40 on $10,000 can beat a 12-month offer on an annualised basis. The catch is on renewal: these CDs typically roll into the bank's standard term at the standard rate, which is often well below the promotional one. Diary the maturity date when you open it.

Short-Term CD Calculator

Berechnen Sie 4, 7 und andere kurze Aktionslaufzeiten.

Price 3, 4, 6, 7 and 9-month CDs — including the odd promotional terms banks use to win new deposits.

Bei Fälligkeit: 10.274,40 $
Zinsen: 274,40 $

Ihr CD

Anlagebetrag

Zinssatz

Zinssatz angegeben als

Laufzeit

Mon.

7 Monate

Übliche Laufzeiten

Zinseszins-Intervall

Wert bei Fälligkeit: 10.274,40 $
Gesamtzinsen: 274,40 $
Effektiver APY: 4,75%

10.000,00 $ in einem CD über 7 Monate zu 4,75% APY, täglich verzinst, wächst auf 10.274,40 $ — das sind 274,40 $ Zinsen, im Schnitt 39,20 $ pro Monat.

Guthaben über die Laufzeit

KapitalZinsen

Die Zahlen als Tabelle anzeigen

Guthaben über die Laufzeit
Monat	Kapital	Zinsen	Guthaben
Bei Eröffnung	10.000,00 $	0,00 $	10.000,00 $
1mo	10.000,00 $	38,75 $	10.038,75 $
3mo	10.000,00 $	116,69 $	10.116,69 $
4mo	10.000,00 $	155,89 $	10.155,89 $
6mo	10.000,00 $	234,74 $	10.234,74 $
7mo	10.000,00 $	274,40 $	10.274,40 $

Calculated in your browser using A = P(1 + r/n)^nt. Nothing is sent to a server. Figures are before tax; confirm exact terms with your bank.

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Läuft in Ihrem Browser

Formeln und Inhalte zuletzt geprüft 21. Juli 2026. Bankzinsen ändern sich häufig – bestätigen Sie die aktuellen Konditionen direkt bei Ihrem Institut.

Die kurze Antwort

Wie viel bringt ein kurzfristiges CD ein?

A short-term CD of 3 to 9 months earns a pro-rated share of its annual rate through A = P(1 + r/n)^(nt), where t is the term in months divided by 12. A $10,000 deposit in a 7-month CD at 4.75% APY earns $274.40; the same $10,000 at 4.50% APY over 6 months earns $222.52. Odd terms like 4, 7 or 13 months are usually promotional — banks use them to win deposits without repricing their standard shelf — so the headline rate is often above the 12-month rate and reverts to the standard rate on renewal if you let it roll. That renewal is the thing to diary. The trade-off against a longer CD is that you keep flexibility and reinvestment optionality, and give up the certainty of holding a known rate for longer.

Formel & Methode

So wird gerechnet

A = P(1 + r/n)^(n × months/12)

The standard formula with the term expressed as a fraction of a year.

A: Value at maturity
P: Your deposit
r: Annual rate as a decimal
n: Compounding periods per year
months/12: Term converted to years (7 months → 0.5833)

Schritt für Schritt

1
Convert the term to years by dividing the months by 12.
2
Convert the advertised rate to a decimal and divide by n.
3
Add 1 and raise to the power of n × years.
4
Multiply by the deposit for the maturity value.
5
Subtract the deposit for the interest earned over the short term.

Anleitung

So verwenden Sie diesen Rechner

Vier Eingaben, sofortige Ergebnisse. Nichts abzuschicken und nichts zu registrieren.

1
Pick your short term
Use the quick-select chips for 3, 4, 6, 7 or 9 months, or set any term with the slider.
2
Enter the promotional rate
Odd terms like 7 and 13 months often carry the bank's best rate. Enter it exactly as quoted.
3
Compare against a 12-month CD
Change the term to 12 months to see the trade-off between a higher short rate and a longer lock-in.

Beispiele

Rechenbeispiele

Echte Zahlen, vollständig durchgerechnet – damit Sie den Rechner gegen Ihre eigenen Werte prüfen können.

$10,000 in a 7-month promotional CD at 4.75% APY

Deposit: $10,000
Rate: 4.75% APY
Term: 7 months

Interest earned: $274.40
Maturity value: $10,274.40

Seven months at 4.75% pays $274.40 — and the money is available again well before a 12-month CD would mature.

$10,000 in a 4-month CD at 4.25% APY

Deposit: $10,000
Rate: 4.25% APY
Term: 4 months

Interest earned: $139.71
Maturity value: $10,139.71

A four-month CD is a good fit for money you have earmarked for a purchase later in the year.

Methodik

Genauigkeit & Annahmen

Jeder Rechner trifft Annahmen. Hier sind unsere, klar benannt, damit Sie genau wissen, was die Zahlen berücksichtigen – und was nicht.

The promotional rate applies for the full stated term.
The CD does not auto-renew at the promotional rate — renewals almost always drop to the standard rate for that term.
The deposit meets any minimum required to qualify for the promotional rate.

Die Konventionen folgen Regulation DD (12 CFR 1030), die regelt, wie US-Institute den APY auf Einlagenkonten ausweisen. Einlagen bei versicherten Instituten sind durch die FDIC bis $250,000 je Einleger, je Bank und je Kontoart geschützt.

Primärquellen

Woher diese Regeln stammen

Die Konventionen, denen dieser Rechner folgt, werden von Aufsichtsbehörden festgelegt, nicht von uns. Jede verweist auf die herausgebende Stelle, damit Sie sie nachprüfen können, statt uns glauben zu müssen.

Einzelheiten

Wichtige Details und Regeln

Schnell erfassbare Fakten, die Sie vor dem Abschluss oder der Verlängerung eines CD kennen sollten.

Odd terms such as 4, 7, 11 and 13 months are deliberate: they are promotional products designed to attract new deposits, and they often out-pay the standard 12-month CD.
Watch the renewal terms. A 7-month CD at 4.75% typically rolls into a 6-month CD at a much lower standard rate unless you act during the grace period.
Early withdrawal penalties on short CDs are smaller — usually around 3 months of interest — but they represent a larger share of the total interest.
Short CDs suit money with a known deadline; if the date is unknown, a no-penalty CD or high-yield savings account may fit better.

Wie das zusammenhängt

Für wen dieser Rechner gedacht ist

Deadline savers
You need the money in a few months for a purchase and want more than a savings account pays.
Promo-rate hunters
You are chasing the odd-term specials banks use to pull in deposits.
Rate-rise watchers
You expect rates to move and do not want to lock in for years.

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