BasicsCD fundamentals10 분 소요
What Is a CD (Certificate of Deposit) and How Does It Work?
A certificate of deposit is a time deposit: you leave a fixed sum with a bank for a fixed term, and the bank pays a fixed rate that is normally higher…
가이드 읽기CD 가이드와 글
정기예금(CD)을 쉬운 말로 풀어 쓴 가이드 31편입니다. CD가 무엇인지, 계산이 어떻게 되는지, 그리고 예금자가 조용히 손해 보는 실수를 어떻게 피하는지 다룹니다.
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- 공식 공개
- 2026년 최신
간편 CD 계산기전체 도구
- 만기 시
- US$10,450.00
- 이자
- US$450.00
$
%
기간
US$10,000.00 for 1 year, compounded daily. Runs in your browser.
- ComparisonsSavings8 분 소요
CD vs. Savings Account: Which One Earns You More?
A CD normally pays more than a savings account because you give up access to the money for a fixed term. A savings account pays a variable rate you ca…
가이드 읽기 - RatesFundamentals8 분 소요
APY vs. APR on CDs: What's the Real Difference?
APY is the effective annual yield after compounding; APR is the nominal rate before it. On any account that compounds more than once a year, APY is hi…
가이드 읽기 - StrategyLaddering9 분 소요
How CD Laddering Works: A Beginner's Strategy Guide
A CD ladder splits one deposit across several CDs with staggered maturity dates. One rung matures at regular intervals, giving you access to cash, whi…
가이드 읽기 - PenaltiesRisk9 분 소요
CD Early Withdrawal Penalties Explained: What It Really Costs You
An early withdrawal penalty is normally a set number of months of interest — 3 months on short terms, 6 to 12 on longer ones. Calculate it as principa…
가이드 읽기 - TermsStrategy9 분 소요
Choosing the Best CD Term: 3-Month vs. 6-Month vs. 1-Year
The best CD term is the one that matches when you need the money, not the one with the highest rate. Short terms preserve flexibility and limit penalt…
가이드 읽기 - FundamentalsCompounding9 분 소요
How Compound Interest Grows Your CD Savings Over Time
Compound interest means each credited amount joins your principal and earns interest for the rest of the term. The formula is A = P(1 + r/n)^(nt). Ove…
가이드 읽기 - ProductsLarge balances8 분 소요
Jumbo CDs Explained: Are They Worth the Higher Minimum Deposit?
A jumbo CD typically requires a deposit of $100,000 or more. Historically they paid a rate premium, but that gap has largely closed — many online bank…
가이드 읽기 - ProductsRates9 분 소요
Fixed-Rate vs. Variable-Rate CDs: What Savers Should Know
A fixed-rate CD locks one rate for the whole term. Variable, bump-up and step-up CDs let the rate change, usually starting lower in exchange for that …
가이드 읽기 - RatesHow-to9 분 소요
How to Find and Compare the Best CD Rates at Your Bank
Compare CD rates by converting every offer to APY, running each at your actual deposit and term, and reading the renewal terms. The headline rate alon…
가이드 읽기 - ComparisonsSavings8 분 소요
CD vs. Money Market Account: Comparing Safe Savings Options
A CD pays a fixed rate for a fixed term with a penalty for early access. A money market account pays a variable rate, stays liquid and often includes …
가이드 읽기 - MaturityHow-to7 분 소요
What Happens When Your CD Matures? Rollover Options Explained
When a CD matures you enter a grace period of usually 7 to 10 days, during which you can withdraw, add funds, change the term or move the money penalt…
가이드 읽기 - SafetyFDIC7 분 소요
Are CDs FDIC Insured? Understanding Deposit Safety
Yes. CDs at FDIC-member banks are insured up to $250,000 per depositor, per bank, per ownership category, and credit union CDs carry equivalent NCUA c…
가이드 읽기 - Short-termPromotions7 분 소요
Short-Term CDs: Are 4-Month and 7-Month Terms Worth It?
Odd-term CDs of 4, 7, 11 or 13 months are promotional products banks use to attract new deposits, and they frequently pay more than the standard 6 or …
가이드 읽기 - StrategyIncome8 분 소요
How to Build a CD Ladder for Steady, Predictable Income
To build a CD ladder for income, divide your lump sum by the number of years you want covered, open one CD maturing in each year, then reinvest each m…
가이드 읽기 - ProductsComparisons10 분 소요
Brokered CDs vs. Bank CDs: What's Actually Different?
A brokered CD is issued by a bank but sold through a brokerage. Instead of paying an early withdrawal penalty you sell it on the secondary market — at…
가이드 읽기 - RetirementProducts10 분 소요
IRA CDs Explained: Retirement Savings With a Guaranteed Rate
An IRA CD is an ordinary certificate of deposit held inside an IRA. You get the same fixed rate and federal insurance plus the IRA's tax treatment — a…
가이드 읽기 - ProductsPenalties9 분 소요
No-Penalty CDs: A Fixed Rate You Can Walk Away From
A no-penalty CD, sometimes called a liquid CD, locks in a fixed rate but lets you withdraw the full balance without a fee after an initial waiting per…
가이드 읽기 - ProductsRates10 분 소요
Callable CDs: Why a Higher Rate Comes With a Catch
A callable CD lets the issuing bank redeem it before maturity, usually after a stated non-call period. You get principal and accrued interest back, bu…
가이드 읽기 - ComparisonsTax9 분 소요
CDs vs. Treasury Bills: Which Is Better for Safe Cash?
Both are low-risk homes for cash. T-bill interest is exempt from state and local income tax, which can beat a higher CD rate in a high-tax state. CDs …
가이드 읽기 - ComparisonsInvesting10 분 소요
CDs vs. Bonds: Comparing Two Fixed-Income Options
A CD's value never moves — you get your deposit plus a contracted rate. A bond's price moves inversely with interest rates, so it can gain or lose val…
가이드 읽기 - TaxFundamentals9 분 소요
How CD Interest Is Taxed: 1099-INT, Timing and Penalties
CD interest is taxed as ordinary income in the year it is credited, even on a multi-year CD you cannot access yet. Banks report amounts over $10 on Fo…
가이드 읽기 - SafetyPlanning8 분 소요
CD Beneficiaries and POD Accounts: Passing On a Certificate
Adding a payable-on-death (POD) beneficiary to a CD lets it pass directly to that person without going through probate. It also expands deposit insura…
가이드 읽기 - SafetyFDIC6 분 소요
What Happens to Your CD If the Bank Fails?
If an FDIC-insured bank fails, your insured CD balance is protected up to $250,000 and is typically available within a few business days. The CD is ei…
가이드 읽기 - InvestingFundamentals6 분 소요
Inflation and CDs: Understanding Your Real Return
Your real return on a CD is roughly its APY minus the inflation rate. A 4.5% CD during 3% inflation gains about 1.5% in purchasing power. When inflati…
가이드 읽기 - ProductsSaving7 분 소요
Add-On CDs: Certificates You Can Keep Funding
An add-on CD lets you make further deposits after opening, and every addition earns the original locked-in rate for the remaining term. It suits saver…
가이드 읽기 - StrategyRates9 분 소요
CD Strategy When Rates Are Falling
When rates are falling, locking a longer term protects the yield you have — the opposite of the right move when rates are rising. Long CDs, add-on CDs…
가이드 읽기 - ComparisonsProducts8 분 소요
Credit Union Share Certificates vs. Bank CDs
A share certificate is a credit union's version of a CD. The mechanics are identical, insurance comes from the NCUA rather than the FDIC at the same $…
가이드 읽기 - BasicsRates7 분 소요
How Much Money Do You Need to Open a CD?
Most bank CDs require an opening deposit of $500 to $2,500, though many online banks have no minimum at all. Jumbo tiers typically start at $100,000. …
가이드 읽기 - StrategyLaddering8 분 소요
CD Ladder vs. Bond Ladder: Which Should You Build?
Both strategies stagger maturities so money frees up at intervals while the rest earns longer-term rates. A CD ladder is insured, simple to build, and…
가이드 읽기 - RatesFundamentals7 분 소요
What Actually Drives CD Rates?
CD rates broadly track the federal funds rate, but that only sets the backdrop. The spread between banks comes from how badly each needs deposits, its…
가이드 읽기