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$1,000 CD for 3 years at 4% APY
Exact compound math for the given inputs.
$1,127.27
CD value at maturity (APY-style monthly compounding)
Deposit$1,000.00
Interest earned$127.27
Effective yearly yield4.07%
Term3 years
Frequently asked questions
What will this CD be worth at maturity?
A $1,000 CD at 4% APY for 3 years matures at $1,127.27, earning $127.27.
Is the interest compounded?
Yes — this assumes monthly compounding at the stated APY. Banks quoting APY have already folded compounding into the yield, so actual results are typically identical.
What happens if I withdraw early?
Early withdrawal usually forfeits several months of interest — typically 3–12 months depending on term — which can wipe out a large share of the $127.27 shown here.
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Change the numbers yourself
Open the interactive cd calculator — every field is editable.