BasicsCD fundamentals10 分钟阅读
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…
阅读指南CD 指南与文章
31 篇大白话的大额存单指南——它们是什么、数学怎么算，以及如何避开那些悄悄让储户吃亏的错误。
- 不讲行话
- 公式全公开
- 2026 年更新
快速存单计算器完整工具
- 到期时
- US$10,450.00
- 利息
- US$450.00
$
%
存期
US$10,000.00 for 1 year, compounded daily. Runs in your browser.
- ComparisonsSavings8 分钟阅读
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…
阅读指南 - RatesFundamentals8 分钟阅读
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…
阅读指南 - StrategyLaddering9 分钟阅读
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…
阅读指南 - PenaltiesRisk9 分钟阅读
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…
阅读指南 - TermsStrategy9 分钟阅读
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…
阅读指南 - FundamentalsCompounding9 分钟阅读
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…
阅读指南 - ProductsLarge balances8 分钟阅读
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…
阅读指南 - ProductsRates9 分钟阅读
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 …
阅读指南 - RatesHow-to9 分钟阅读
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…
阅读指南 - ComparisonsSavings8 分钟阅读
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 …
阅读指南 - MaturityHow-to7 分钟阅读
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…
阅读指南 - SafetyFDIC7 分钟阅读
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…
阅读指南 - Short-termPromotions7 分钟阅读
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 …
阅读指南 - StrategyIncome8 分钟阅读
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…
阅读指南 - ProductsComparisons10 分钟阅读
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…
阅读指南 - RetirementProducts10 分钟阅读
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…
阅读指南 - ProductsPenalties9 分钟阅读
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…
阅读指南 - ProductsRates10 分钟阅读
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…
阅读指南 - ComparisonsTax9 分钟阅读
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 …
阅读指南 - ComparisonsInvesting10 分钟阅读
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…
阅读指南 - TaxFundamentals9 分钟阅读
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…
阅读指南 - SafetyPlanning8 分钟阅读
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…
阅读指南 - SafetyFDIC6 分钟阅读
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…
阅读指南 - InvestingFundamentals6 分钟阅读
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…
阅读指南 - ProductsSaving7 分钟阅读
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…
阅读指南 - StrategyRates9 分钟阅读
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…
阅读指南 - ComparisonsProducts8 分钟阅读
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 $…
阅读指南 - BasicsRates7 分钟阅读
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. …
阅读指南 - StrategyLaddering8 分钟阅读
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…
阅读指南 - RatesFundamentals7 分钟阅读
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…
阅读指南