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

Wyceń okresy 4- i 7-miesięczne oraz inne krótkie terminy promocyjne.

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

Na koniec okresu: 10 274,40 USD
Odsetki: 274,40 USD

Twoja lokata

Kwota wpłaty

Oprocentowanie

Oprocentowanie podane jako

Okres

mies.

7 miesięcy

Typowe okresy

Częstotliwość kapitalizacji

Wartość na koniec okresu: 10 274,40 USD
Łączne odsetki: 274,40 USD
Efektywne APY: 4,75%

10 000,00 USD na lokacie 7 miesięcy przy 4,75% APY, z kapitalizacją dzienna, urośnie do 10 274,40 USD — to 274,40 USD odsetek, średnio 39,20 USD miesięcznie.

Saldo w trakcie okresu

KapitałOdsetki

Zobacz dane w tabeli

Saldo w trakcie okresu
Miesiąc	Kapitał	Odsetki	Saldo
Przy otwarciu	10 000,00 USD	0,00 USD	10 000,00 USD
1mo	10 000,00 USD	38,75 USD	10 038,75 USD
3mo	10 000,00 USD	116,69 USD	10 116,69 USD
4mo	10 000,00 USD	155,89 USD	10 155,89 USD
6mo	10 000,00 USD	234,74 USD	10 234,74 USD
7mo	10 000,00 USD	274,40 USD	10 274,40 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.

Za darmo — bez rejestracji
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

Ile zarabia krótkoterminowa lokata CD?

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.

Wzór i metoda

Jak to jest obliczane

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)

Krok po kroku

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.

Przewodnik

Jak korzystać z tego kalkulatora

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

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.

Przykłady

Przykłady z obliczeniami

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

$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.

Metodologia

Dokładność i założenia

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

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.

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.

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.

Jak to się łączy

Powiązane pojęcia i kalkulatory

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

Zastosowania

Dla kogo jest ten kalkulator

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.

Powiązane narzędzia

Wszystkie kalkulatory CD

Dziewięć wyspecjalizowanych narzędzi obejmujących całą tematykę lokat terminowych.

FAQ