Home › Calculators › CD calculator › 5000-3y-4
$5,000 CD for 3 years at 4% APY
Exact compound math for the given inputs.
$5,636.36
CD value at maturity (APY-style monthly compounding)
Deposit$5,000.00
Interest earned$636.36
Effective yearly yield4.07%
Term3 years
Frequently asked questions
What will this CD be worth at maturity?
A $5,000 CD at 4% APY for 3 years matures at $5,636.36, earning $636.36.
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 $636.36 shown here.
Try nearby scenarios
Change the numbers yourself
Open the interactive cd calculator — every field is editable.