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

4개월, 7개월 등 짧은 특판 기간의 수익을 계산합니다.

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

만기 시: US$10,274.40
이자: US$274.40

내 예금증서

예치 금액

이자율

이자율 표시 방식

기간

개월

7 개월

일반적인 기간

복리 주기

만기 금액: US$10,274.40
총 이자 수익: US$274.40
실효 APY: 4.75%

7 개월 예금증서에 US$10,000.00, 금리 4.75% APY, 일 복리 복리로 US$10,274.40까지 증가 — 이자 US$274.40, 월평균 US$39.20입니다.

기간 중 잔액

원금이자

수치를 표로 보기

기간 중 잔액
개월	원금	이자	잔액
개설 시	US$10,000.00	US$0.00	US$10,000.00
1mo	US$10,000.00	US$38.75	US$10,038.75
3mo	US$10,000.00	US$116.69	US$10,116.69
4mo	US$10,000.00	US$155.89	US$10,155.89
6mo	US$10,000.00	US$234.74	US$10,234.74
7mo	US$10,000.00	US$274.40	US$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.

무료 — 가입 불필요
입력 즉시 반영
브라우저에서 실행

공식과 내용 최종 검토일 2026년 7월 21일. 은행 금리는 자주 바뀝니다. 현재 금리는 거래 기관에 직접 확인하십시오.

짧은 답변

단기 CD는 얼마를 벌 수 있나요?

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.

공식과 방법

계산 방법

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)

단계별 계산

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.

가이드

이 계산기 사용법

네 가지 값만 넣으면 결과가 바로 나옵니다. 제출할 것도, 가입할 것도 없습니다.

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.

예시

계산 예시

실제 숫자로 끝까지 풀어 본 예시입니다. 직접 넣으신 값과 대조해 계산기가 맞는지 확인해 보십시오.

$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.

계산 방법

정확성과 가정

모든 계산기는 어떤 가정 위에서 움직입니다. 이 숫자가 무엇을 반영하고 무엇을 반영하지 않는지 그대로 밝혀 둡니다.

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.

계산 관행은 미국 금융기관이 예금 계좌의 APY를 공시하는 방식을 규정한 Regulation DD(12 CFR 1030)를 따릅니다. 예금자보호 대상 기관의 예금은 예금자별, 은행별, 소유 형태별로 $250,000까지 FDIC의 보호를 받습니다.

1차 자료

이 규칙은 어디에서 왔나

이 계산기가 따르는 관행은 저희가 아니라 규제 기관이 정합니다. 각 항목은 해당 기관으로 연결되므로 저희 말을 믿는 대신 직접 확인하실 수 있습니다.

세부 사항

핵심 내용과 규칙

CD에 가입하거나 재예치하기 전에 알아 둘 만한 사실을 한눈에 정리했습니다.

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.

서로의 관계

이 계산기가 필요한 분

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.

모든 CD 계산기

정기예금(CD)의 모든 측면을 다루는 아홉 개의 계산기입니다.

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