If You Put $10,000 Into a CD Now, This Is How Much Interest You’ll Earn

Certainty is a rare thing in today’s economy. But one place you can find it is in a certificate of deposit. Your rate is locked in when you open a CD, so you can rest assured that your returns will never change. You know precisely how much your CD will be worth when it matures.

But which account you choose plays a big role in how much interest you can earn. Top CDs offer annual percentage yields up to 4.50% — more than three times the media națională for some terms. To give you an idea of how much that could net you, here’s a look at your potential earnings if you put $10,000 into one of these high-yielding CDs today.

Don’t have that much to set aside? We’ve got you. We’ll calculate your earnings for some other amounts too.

Citeşte mai mult: Best CD Rates for July 2025: APYs as High as 4.50% Won’t Stick Around Forever

How much can you earn by depositing $10,000 into a CD?

Here’s how much you can earn if you deposit $10,000 into a six-month, one-year, three-year and five-year CD. We’re calculating your return based on the highest APYs currently available for each CD term, based on the banks we track at CNET. 

Earnings for a $10,000 CD deposit

Termen	Top APY	Bancar	Interest earnings	CD value at maturity
6 months	4.50%	Uniunea de Credit Federală la Nivel Comunitar	$222.52	$10,222.52
1 an	4.40%	CommunityWide Federal Credit Union; Limelight Bank	$440.00	$10,440.00
3 years	4.15%	America First Credit Union	$1,297.38	$11,297.38
5 years	4.25%	America First Credit Union	$2,313.47	$12,313.47

APYs as of July 15, 2025, based on the banks we track at CNET. Earnings are based on APYs and assume interest is compounded annually.

Cel/Cea/Cei/Cele media națională for a one-year CD is 1.62% APY as of July 15, 2025, while the average one-year CD based on the banks we track at CNET is 3.98% APY. If you deposit $10,000 into a one-year CD that pays the national average of 1.62% APY, the value at maturity would be $10,162.00. If you deposit $10,000 into a one-year CD that earns 4.40% APY (the top APY from our list), it would be worth $10,440.00 at maturity.

Don’t have $10,000? No problem. Here’s what you can earn with a smaller deposit

You don’t need to have $10,000 on hand to earn a competitive interest rate on your savings. Most of the CD accounts on our list don’t have a minimum deposit required to lock in a high CD rate. Here’s what you could earn with other deposit amounts:

Earnings for smaller CD deposits

Termen	Top APY	$500 deposit	$1,000 deposit	$2,500 deposit	$5,000 deposit
6 months	4.50%	$11.13	$22.25	$55.63	$111.26
1 an	4.40%	$22.00	$44.00	$110.00	$220.00
3 years	4.15%	$64.87	$129.74	$324.35	$648.69
5 years	4.25%	$115.67	$231.35	$578.37	$1,156.73

APYs as of July 15, 2025, based on the top APY available from the banks we track at CNET. Earnings assume interest is compounded annually.

How CD interest is calculated

When you open a CD, the APY represents the actual rate of return you’ll earn on your deposit in one year. The APY reflects compounding interest, which means you aren’t just earning interest on your initial deposit — your interest also earns interest. 

Some banks compound interest daily, while others compound interest monthly, quarterly or semi-annually. The more often interest is compounded, the more money you’ll earn. 

You can use a compound interest calculator to figure out how much your money can grow in a CD. We recommend using this calculator from the Comisia de Valori Mobiliare și Burse din SUA.

Still growing your savings? A high-yield savings account can help

CDs are a great option if you already have money saved that you won’t need to touch for a set period. Most of us don’t have a few thousand on hand that we can part with for a few years in exchange for a fixed interest rate. And that’s OK.

O cont de economii cu randament ridicat sau cont de piață monetară that earns a competitive APY is your best bet if you’re still growing your emergency fund, working on your savings goals or want to withdraw your money as you need it. These accounts let you build your savings as you can, while still having access to your money if you need it.

Contributing as little as $100 a month can help you work up to $1,200 in savings each year. If you can contribute more, say $250 a month, you could build an emergency fund of $3,000 in a year. And that’s not counting the interest you’ll earn on top of your savings. Although savings accounts have variable interest rates — meaning they can rise and fall based on the economy and your bank’s discretion — experts expect savings rates will remain high all year. Right now, you can earn up to 5% APY with some high-yield savings accounts.

Growing a savings account takes time. Focus on what you can contribute and get into the habit of saving so it becomes a routine. You can also use automated savings tools, like round-ups and automatic transfers, to grow your savings a little faster without taking up your time. CNET Money editors are big fans of Ally Bank’s automated savings features, but many online banks also offer helpful savings features.

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