CD Interest on $100,000 at 5% for 12 Months

A $100,000 CD at 5% APY for 12 months earns approximately $5,000 in interest.

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How to use this tool

Enter deposit amount, annual rate (apy), cd term and compounding in the fields above.
Results update instantly as you type — or click Calculate.
Read your interest earned and the full breakdown beneath it.

Calculate the interest on a $100,000 CD at 5% APY over one year with monthly compounding.

Frequently asked questions

What is a CD?: A Certificate of Deposit (CD) is a savings product offered by banks and credit unions that pays a fixed interest rate for a fixed period. Early withdrawal typically incurs a penalty.
How is CD interest calculated?: CD interest compounds based on the stated frequency (monthly, quarterly, etc.). The effective APY shows your true annual return accounting for compounding.