No matter how much you deposit, a CD can help you maximize your returns. Mensent Photography/Getty Images
Certainty is a rare thing in today's economy. But one place you can find it is in a certificate of deposit. Your rate is locked in when you open a CD, so you can rest assured that your returns will never change. You know precisely how much your CD will be worth when it matures.
But which account you choose plays a big role in how much interest you can earn. Top CDs offer annual percentage yields up to 4.50% -- more than three times the national average for some terms. To give you an idea of how much that could net you, here's a look at your potential earnings if you put $10,000 into one of these high-yielding CDs today.
Don't have that much to set aside? We've got you. We'll calculate your earnings for some other amounts too.
Read more: Best CD Rates for July 2025: APYs as High as 4.50% Won't Stick Around Forever
How much can you earn by depositing $10,000 into a CD?
Here's how much you can earn if you deposit $10,000 into a six-month, one-year, three-year and five-year CD. We're calculating your return based on the highest APYs currently available for each CD term, based on the banks we track at CNET.
Earnings for a $10,000 CD deposit Term Top APY Bank Interest earnings CD value at maturity 6 months 4.50% CommunityWide Federal Credit Union $222.52 $10,222.52 1 year 4.40% CommunityWide Federal Credit Union; Limelight Bank $440.00 $10,440.00 3 years 4.15% America First Credit Union $1,297.38 $11,297.38 5 years 4.25% America First Credit Union $2,313.47 $12,313.47
APYs as of July 15, 2025, based on the banks we track at CNET. Earnings are based on APYs and assume interest is compounded annually.
The national average for a one-year CD is 1.62% APY as of July 15, 2025, while the average one-year CD based on the banks we track at CNET is 3.98% APY. If you deposit $10,000 into a one-year CD that pays the national average of 1.62% APY, the value at maturity would be $10,162.00. If you deposit $10,000 into a one-year CD that earns 4.40% APY (the top APY from our list), it would be worth $10,440.00 at maturity.
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