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What your certificate of deposit is worth at maturity — locked rate, known outcome, no surprises.
Assumes interest stays in the CD and compounds. Early withdrawal typically forfeits several months of interest.
A CD locks your rate for the full term — the trade for that certainty is limited access to the money until maturity. Rates generally rise with term length, though the curve flattens (and sometimes inverts) when rate cuts are expected. If you want both a locked rate and regular access to portions of your cash, splitting the deposit across staggered terms — a CD ladder — gives you a maturity date every few months instead of one big lockup.
Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.
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