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

Chiffrez les durées promotionnelles courtes de 4, 7 mois et autres.

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

À l'échéance: 10 274,40 $US
Intérêts: 274,40 $US

Votre CD

Montant du dépôt

Taux d'intérêt

Le taux est exprimé en

Durée

7 mois

Durées courantes

Fréquence de capitalisation

Valeur à l'échéance: 10 274,40 $US
Intérêts totaux gagnés: 274,40 $US
APY effectif: 4,75%

10 000,00 $US dans un CD sur 7 mois à 4,75% APY, capitalisé quotidienne, atteint 10 274,40 $US — soit 274,40 $US d’intérêts, en moyenne 39,20 $US par mois.

Solde sur la durée

CapitalIntérêts

Afficher les chiffres sous forme de tableau

Solde sur la durée
Mois	Capital	Intérêts	Solde
À l’ouverture	10 000,00 $US	0,00 $US	10 000,00 $US
1mo	10 000,00 $US	38,75 $US	10 038,75 $US
3mo	10 000,00 $US	116,69 $US	10 116,69 $US
4mo	10 000,00 $US	155,89 $US	10 155,89 $US
6mo	10 000,00 $US	234,74 $US	10 234,74 $US
7mo	10 000,00 $US	274,40 $US	10 274,40 $US

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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Formules et contenu vérifiés pour la dernière fois le 21 juillet 2026. Les taux bancaires évoluent fréquemment — confirmez les taux en vigueur directement auprès de votre établissement.

La réponse en bref

Combien rapporte un CD de courte durée ?

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.

Formule et méthode

Comment le calcul est effectué

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)

Étape par étape

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.

Mode d'emploi

Comment utiliser ce calculateur

Quatre données, des résultats en direct. Rien à valider et aucune inscription.

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.

Exemples

Exemples chiffrés

Des chiffres réels, calculés de bout en bout — pour que vous puissiez vérifier le calculateur avec vos propres montants.

$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.

Méthodologie

Exactitude et hypothèses

Tout calculateur repose sur des hypothèses. Voici les nôtres, énoncées clairement, pour que vous sachiez exactement ce que les chiffres prennent en compte et ce qu'ils ignorent.

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.

Les conventions suivent la Regulation DD (12 CFR 1030), qui encadre la façon dont les établissements américains communiquent l'APY des comptes de dépôt. Les dépôts effectués auprès d'établissements assurés sont protégés par la FDIC jusqu'à $250,000 par déposant, par banque et par catégorie de propriété.

Sources primaires

D'où viennent ces règles

Les conventions que suit ce calculateur sont fixées par les régulateurs, pas par nous. Chacune renvoie à l'organisme émetteur afin que vous puissiez la vérifier plutôt que de nous croire sur parole.

Détails

Points clés et règles à connaître

Des faits à parcourir rapidement, à connaître avant d'ouvrir ou de renouveler un CD.

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.

Les liens entre les notions

Notions et calculateurs associés

Le Short-Term CD Calculator fonctionne de pair avec ces outils associés. Chacun traite en détail une partie du sujet des CD.

Cas d'usage

À qui s'adresse ce calculateur

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.

Outils associés

Tous les calculateurs de CD

Neuf outils ciblés qui couvrent l'ensemble du sujet des certificats de dépôt.

FAQ

FAQ — Short-Term CD Calculator

Des réponses directes aux questions les plus posées sur ce calcul. Pour aller plus loin, consultez la FAQ générale.

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.
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.
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.

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Utilise les mêmes conventions d'intérêts composés et d'APY que les banques soumises à la Regulation DD.
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Short lock-in, real interest

Promotional short terms can out-pay a 12-month CD. See what 4 or 7 months at your bank's rate actually earns.

Calculate My Short-Term CD Retour au CD Calculator

Short-Term CD Calculator

Combien rapporte un CD de courte durée ?

Comment le calcul est effectué

Étape par étape

Comment utiliser ce calculateur

Pick your short term

Enter the promotional rate

Compare against a 12-month CD