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

4か月・7か月など、短期のキャンペーン金利を試算します。

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

満期時: $10,274.40
利息: $274.40

あなたの定期預金

預入金額

金利

金利の表示方法

預入期間

月

7 か月

一般的な期間

複利頻度

満期時の金額: $10,274.40
受取利息の合計: $274.40
実効年利回り APY: 4.75%

7 か月の定期預金に $10,000.00、金利 4.75% APY、日次複利で $10,274.40 に増加 — 利息は $274.40、月平均 $39.20 です。

期間中の残高

元本利息

数値を表で表示

期間中の残高
か月目	元本	利息	残高
開設時	$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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入力と同時に更新
ブラウザ内で動作

計算式とコンテンツの最終確認日 2026年7月21日. 銀行の金利は頻繁に変動します。最新の金利は必ずご利用の金融機関に直接ご確認ください。

結論から

短期CDではどのくらい増えますか？

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.

計算式と手法

計算方法

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)

手順

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.

ガイド

この計算機の使い方

4つの入力だけで、結果はその場で表示されます。送信も会員登録も不要です。

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.

例

計算例

実際の数値を最後まで計算しています。ご自身の数字と照らし合わせて、計算機の結果を確かめられます。

$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.

算出方法

精度と前提条件

どの計算機にも前提条件があります。当サイトの前提を明記しますので、この数値が何を織り込み、何を織り込んでいないかがはっきり分かります。

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.

計算の慣行は、米国の金融機関が預金口座のAPYを開示する方法を定めたRegulation DD（12 CFR 1030）に従っています。付保対象の金融機関への預金は、預金者ごと・銀行ごと・所有区分ごとに$250,000までFDICで保護されます。

一次情報

これらのルールの出どころ

この計算機が従う慣行は、当サイトではなく規制当局が定めたものです。各項目は定めている機関にリンクしていますので、当サイトの説明を信じるのではなく、ご自身で確認いただけます。

詳細

重要なポイントとルール

CDを開設または継続する前に知っておきたい要点をまとめました。

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.

つながり

この計算機が役立つ方

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.

CD計算機のすべて

譲渡性預金（CD）の全体像を、9つの専用ツールでカバーしています。

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