How much does a 1-year CD earn on $25,000?

At 4.25% APY, exactly $1,062.50 — maturing at $26,062.50, or $88.54 a month if you draw the interest. On a one-year term the APY is the return, so no conversion is needed.

Is a 1-year CD better than a 6-month CD?

It locks the rate for twice as long, which is worth having when rates are falling and costly when they are not. On current pricing, rolling two 6-month CDs at 4.40% narrowly beats a 12-month CD at 4.25% — but only if the renewal rate holds.

What happens when a 1-year CD matures?

The bank opens a grace period of 7 to 10 days in which you can withdraw, add funds, change the term or close the account. Do nothing and it renews for another twelve months at the current standard rate, which on a promotional CD is usually well below what you have been earning.

Can I add money to a 1-year CD?

Not to a standard one. The deposit is fixed at opening, and the only opportunity to add is during the grace period at maturity. Add-on CDs, which do accept further deposits, are a separate product and usually pay a lower rate.

What is the penalty on a 1-year CD?

Typically 90 days of interest. Breaking a $25,000 CD at 4.25% after six months costs $261.99 against $525.72 earned, so you keep about half. The exact penalty is in the Truth in Savings disclosure you receive at opening.

1-Year CD Calculator

See what twelve months in a CD actually earns.

Work out what a 12-month certificate of deposit earns, and what it renews into if you let it roll.

Na koniec okresu: 26 062,50 USD
Odsetki: 1062,50 USD

Twoja lokata

Kwota wpłaty

Oprocentowanie

Oprocentowanie podane jako

Okres

mies.

1 rok

Typowe okresy

Częstotliwość kapitalizacji

Wartość na koniec okresu: 26 062,50 USD
Łączne odsetki: 1062,50 USD
Efektywne APY: 4,25%

25 000,00 USD na lokacie 1 rok przy 4,25% APY, z kapitalizacją dzienna, urośnie do 26 062,50 USD — to 1062,50 USD odsetek, średnio 88,54 USD miesięcznie.

Saldo w trakcie okresu

KapitałOdsetki

Zobacz dane w tabeli

Saldo w trakcie okresu
Miesiąc	Kapitał	Odsetki	Saldo
Przy otwarciu	25 000,00 USD	0,00 USD	25 000,00 USD
2mo	25 000,00 USD	174,03 USD	25 174,03 USD
5mo	25 000,00 USD	437,34 USD	25 437,34 USD
7mo	25 000,00 USD	614,41 USD	25 614,41 USD
10mo	25 000,00 USD	882,33 USD	25 882,33 USD
1y	25 000,00 USD	1062,50 USD	26 062,50 USD

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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Aktualizuje się na bieżąco
Działa w Twojej przeglądarce

Wzory i treści ostatnio zweryfikowane 21 lipca 2026. Oprocentowanie w bankach zmienia się często — aktualne stawki potwierdź bezpośrednio w swojej instytucji.

Krótka odpowiedź

How much does a 1-year CD earn?

A 1-year CD is the reference term for the whole market — it is the one where the quoted APY and the return you actually receive are the same number. A $25,000 deposit at 4.25% APY earns exactly $1,062.50 and matures at $26,062.50; $10,000 earns $425.00, which is $35.42 a month if you take the interest as income. Because the term matches the annualisation period, no conversion is needed and comparison against any other saving option is direct. The thing that most often goes wrong with a 12-month CD is not the rate but the renewal: the term rolls automatically at the end of a 7-to-10-day grace period, at whatever the bank's standard 12-month rate is on that day. Savers who opened on a promotional rate and did nothing at maturity frequently find the second year paying a full percentage point less than the first.

Wzór i metoda

Jak to jest obliczane

A = P(1 + r/n)^(n), t = 1

At a one-year term the exponent collapses to n, and the APY is exactly the return you receive.

A: Maturity value after twelve months
P: Opening deposit
r: Nominal annual rate as a decimal
n: Compounding periods per year (daily = 365)
t: 1 — the term in years

Krok po kroku

1
If the bank quoted an APY, multiply the deposit by (1 + APY) and you are finished.
2
If it quoted a nominal APR, divide by n and raise (1 + r/n) to the power n.
3
Multiply by the deposit for the maturity value.
4
Subtract the deposit for the year's interest.
5
Divide that by twelve for the monthly interest figure, if you plan to draw it.

Przewodnik

Jak korzystać z tego kalkulatora

Cztery pola, wynik na żywo. Niczego nie trzeba wysyłać ani zakładać konta.

1
Enter your deposit
Type the amount or drag the slider. Twelve-month CDs generally carry the lowest minimums on the sheet, often $500 or $1,000.
2
Enter the 12-month rate
Set the toggle to APY if that is how the bank quoted it. On a one-year term an APY needs no conversion — the maturity value is simply deposit × (1 + APY).
3
Check the monthly figure
Divide the year's interest by twelve if you intend to draw the interest rather than compound it. Drawing it lowers the maturity value.
4
Plan the renewal now
Note the maturity date and the grace period before you open. That single step is worth more than a 0.10% better rate.

Przykłady

Przykłady z obliczeniami

Prawdziwe liczby, przeliczone do samego końca — możesz sprawdzić kalkulator na własnych danych.

A $25,000 deposit in a standard 12-month CD

Deposit: $25,000
Rate: 4.25% APY
Term: 12 months

Interest earned: $1,062.50
Maturity value: $26,062.50
Monthly interest: $88.54

At a one-year term the APY and the realised return are identical — 4.25% quoted, 4.25% received. This is the only term where that is true, which is why the 12-month CD is the standard benchmark for comparing offers.

A promotional CD left to auto-renew at the standard rate

Deposit: $25,000
Year 1 — promotional: 4.25% APY
Year 2 — standard rate on renewal: 3.25% APY

Balance after year 1: $26,062.50
Balance after year 2: $26,909.53
Year 2 interest: $847.03
Cost of not acting: $260.63

Missing the grace period cost $260.63 in a single year — more than a quarter of the first year's interest, and far more than any realistic difference between two banks' opening rates. Diarise the maturity date the day you open the CD.

Metodologia

Dokładność i założenia

Każdy kalkulator przyjmuje jakieś założenia. Oto nasze, opisane wprost, żebyś dokładnie wiedział, co liczby uwzględniają, a czego nie.

Interest is retained in the CD. Taking the monthly interest as income lowers the maturity value, because the withdrawn interest stops compounding.
The rate is fixed for the full twelve months, which is standard for a fixed-rate CD but not for a step-rate or bump-up product.
The renewal example uses an illustrative standard rate. Check your own bank's non-promotional 12-month rate — the gap is often wider than the one shown.
Figures are gross of tax. A full year of interest above $10 is reported to the IRS on Form 1099-INT.

Konwencje są zgodne z Regulation DD (12 CFR 1030), które reguluje sposób podawania APY dla rachunków depozytowych przez instytucje w USA. Depozyty w instytucjach objętych ubezpieczeniem są chronione przez FDIC do kwoty $250,000 na deponenta, na bank i na kategorię własności rachunku.

Źródła pierwotne

Skąd biorą się te zasady

Konwencje, których trzyma się ten kalkulator, ustalają regulatorzy, a nie my. Każda z nich odsyła do instytucji, która ją wydała, żebyś mógł to sprawdzić, a nie wierzyć nam na słowo.

Szczegóły

Najważniejsze szczegóły i zasady

Fakty w pigułce, warte poznania, zanim otworzysz lub odnowisz CD.

One year is the only term where APY and realised return coincide, which makes it the natural unit for comparing everything else. A 4.40% six-month CD and a 3.80% five-year CD are both quoted per year so they can be lined up against this one.
Auto-renewal is the default at nearly every institution. The grace period is typically 7 to 10 calendar days from maturity, and it is the only window in which you can move the money without a penalty.
Promotional 12-month rates almost never renew at the promotional rate. Treat the second year as unpriced until you see the sheet on the maturity date.
A 13-month or 15-month promotional CD is often priced above the standard 12-month term. If your horizon has any give in it, check the odd terms before defaulting to twelve.
Early withdrawal on a one-year CD is typically penalised at 90 days of interest. Breaking a $25,000 CD at 4.25% after six months costs $261.99 against $525.72 earned — you keep roughly half.

Jak to się łączy

Powiązane pojęcia i kalkulatory

1-Year CD Calculator działa razem z tymi powiązanymi narzędziami. Każde omawia w całości jeden element tematu CD.

Zastosowania

Dla kogo jest ten kalkulator

Savers with a one-year horizon
Money for a car, a wedding or a tax bill twelve months out. The date is known, the rate is fixed, and the comparison against any alternative is direct because everything is quoted annually.
Ladder builders
The 12-month rung is the backbone of most CD ladders. Once a five-rung ladder is mature, one rung comes due each year and gets reinvested at the longest term.
Anyone renewing an existing CD
If a CD is coming due, this page prices the renewal against what you could get by moving. The grace period is short — knowing the number before it opens is what makes acting possible.

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