of Deposit

Certificate of Deposit (CD) Calculator

Use our free calculator to help determine how much interest you could earn with a certificate of deposit (CD). Whether you are saving for the years to come, or just a few months, this calculator can help you reach your savings goals.

CD Rates

Share, Traditional IRA, Roth IRA, HSA,^ Coverdell Education & Jumbo Certificate Rates

Minimum opening deposit for Jumbo CDs is $100,000.00. Minimum opening deposit for all other CDs is $50.00 unless otherwise noted below.

Term Interest Rate APY*
3 months1 0.499% 0.50%
6 months1 1.243% 1.25%
9 months1 1.243% 1.25%
12 months1 1.490% 1.50%
13 month special offer4 5.004% 5.120%
13 month special offer5 4.621% 4.720%
18 months1 1.490% 1.50%
24 months1 1.588% 1.60%
30 months1 1.588% 1.60%
36 months1 1.933% 1.95%
48 months1 2.031% 2.05%
60 months1 2.129% 2.15%
12 month Add-On2^ 1.490% 1.50%
Jumbo 12 months3 1.736% 1.75%
Jumbo 24 months3 1.834% 1.85%
Jumbo 36 months3 2.178% 2.20%
Jumbo 48 months3 2.276% 2.30%
Jumbo 60 months3 2.374% 2.40%
Rates accurate as of Jul 15, 2024
All youth under the age of 18 will receive an additional 0.25% APY to the stated rates unless otherwise noted. A penalty fee may be imposed if you withdrawal funds prior to the maturity date. Insured by NCUA. *APY= Annual Percentage Yield. 1Rate Protector allows a one time rate adjustment for 3-36 month term CDs and a two time rate adjustment for 37-60 month term CDs with no penalties or fees. 2^12 month add-on not eligible for additional 0.25% APY youth rate bump or rate protector adjustment. 12-month add-on CD not eligible for IRA CD's. HSA CD only available on the 12-month add-on CD rate and term. Contact a member service representative to open an HSA CD. 3Jumbo CD not available for Coverdell Education Savings Accounts. 4To receive the above stated 13-month term at 5.12% APY, 13-month CD must be opened with a minimum balance of $5,000 and be funded solely in new money (funds currently held at another financial institution), or have an “active” checking account (averages 8+ deposits or withdrawals per month in/out of Honor checking account). Unless “active” checking is present, existing funds at Honor CU cannot be combined with new money. 5To receive the above stated 13-month term at 4.72% APY, 13-month CD must be opened with a minimum balance of $5,000. Early withdrawal penalty is 120 days of interest for both promotional terms. Neither CD special is eligible for rate protector benefit, a one-time rate bump over the course of the term. Both 13-month CD terms will renew at standard 12-month term upon maturity. Limited time offer. Rates subject to change without notice. Insured by NCUA.

CD Calculator

Information and interactive calculators are available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.


Your Next Steps

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Consider a Money Market

If you already have a standard share savings account, or if you want to earn more interest, our high yield money market account is a good option.

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