为 4 个月、7 个月等短期促销存期估算收益。
利率标示为
7 个月
常见存期
复利频率
US$10,000.00 存入 7 个月 的存单，利率 4.75% APY，每日复利，到期增长至 US$10,274.40 — 即 US$274.40 利息，平均每月 US$39.20。
存期内余额
| 第 | 本金 | 利息 | 余额 |
|---|---|---|---|
| 开户时 | 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.
公式与内容最后审核于 . 银行利率变动频繁——请直接向你的开户机构确认当前利率。
简短回答
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.
公式与方法
A = P(1 + r/n)^(n × months/12)
The standard formula with the term expressed as a fraction of a year.
Convert the term to years by dividing the months by 12.
Convert the advertised rate to a decimal and divide by n.
Add 1 and raise to the power of n × years.
Multiply by the deposit for the maturity value.
Subtract the deposit for the interest earned over the short term.
使用指南
Use the quick-select chips for 3, 4, 6, 7 or 9 months, or set any term with the slider.
Odd terms like 7 and 13 months often carry the bank's best rate. Enter it exactly as quoted.
Change the term to 12 months to see the trade-off between a higher short rate and a longer lock-in.
示例
输入项
结果
Seven months at 4.75% pays $274.40 — and the money is available again well before a 12-month CD would mature.
输入项
结果
A four-month CD is a good fit for money you have earmarked for a purchase later in the year.
方法论
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.
计算惯例遵循 Regulation DD（12 CFR 1030），该法规规定了美国金融机构如何披露存款账户的 APY。受保机构的存款由 FDIC 提供保障，按每位存款人、每家银行、每种所有权类别计算，最高保额 $250,000。
一手来源
细节
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.
彼此之间的关联
适用场景
You need the money in a few months for a purchase and want more than a savings account pays.
You are chasing the odd-term specials banks use to pull in deposits.
You expect rates to move and do not want to lock in for years.
相关工具
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.
Promotional short terms can out-pay a 12-month CD. See what 4 or 7 months at your bank's rate actually earns.