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$10,000 CD for 3 years at 3.5% APY
Exact compound math for the given inputs.
$11,105.41
CD value at maturity (APY-style monthly compounding)
Deposit$10,000.00
Interest earned$1,105.41
Effective yearly yield3.56%
Term3 years
Frequently asked questions
What will this CD be worth at maturity?
A $10,000 CD at 3.5% APY for 3 years matures at $11,105.41, earning $1,105.41.
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 $1,105.41 shown here.
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Change the numbers yourself
Open the interactive cd calculator — every field is editable.