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$5,000 CD for 5 years at 3.5% APY
Exact compound math for the given inputs.
$5,954.71
CD value at maturity (APY-style monthly compounding)
Deposit$5,000.00
Interest earned$954.71
Effective yearly yield3.56%
Term5 years
Frequently asked questions
What will this CD be worth at maturity?
A $5,000 CD at 3.5% APY for 5 years matures at $5,954.71, earning $954.71.
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 $954.71 shown here.
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Change the numbers yourself
Open the interactive cd calculator — every field is editable.