{"id":22573,"date":"2025-12-11T22:15:05","date_gmt":"2025-12-11T22:15:05","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22573"},"modified":"2025-12-11T22:15:07","modified_gmt":"2025-12-11T22:15:07","slug":"heres-how-much-100000-in-a-cd-could-earn-you-in-1-year","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22573","title":{"rendered":"Here&#8217;s How Much $100,000 In A CD Could Earn You In 1 Year"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            Images by Getty Images; Illustration by Austin Courrege\/Bankrate\n        <\/p>\n<\/p><\/div>\n<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div id=\"block_efaf070a44368ef22b0366ccdf1aa64a\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Having $100,000 in a CD earning 4% annual percentage yield (APY) would earn you around $4,000 in interest in one year.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            This is more than double the $1,930 you\u2019d earn with $100,000 in a one-year CD that earns the approximate national average of 1.93% APY.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Some large brick-and-mortar banks are offering paltry rates of around 0.03%, which would earn a mere $30 in interest in a year with a balance of $100,000.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>If you opt for a one-year certificate of deposit (CD) with a competitive 4% APY, you\u2019ll earn $4,000 in interest on a principal deposit of $100,000.\u00a0<\/p>\n<p>CDs usually have fixed interest rates, so you can calculate what you might earn using a CD calculator.<\/p>\n<p>Here\u2019s an example of what you might earn with $100,000 in a competitive CD, in a CD that pays the national average rate and in a CD from one of the bigger banks.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--text Table--stripedOdd --spacing-xs has-fixed-layout wrapped\">\n<thead>\n<tr>\n<th>Type of 1-year CD<\/th>\n<th>Typical APY<\/th>\n<th>Interest on $100,000 after 1 year<\/th>\n<th>Total value of CD with $100,000 opening deposit after 1 year<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>CDs that pay competitive rates<\/td>\n<td>4%<\/td>\n<td>$4,000<\/td>\n<td>$104,000<\/td>\n<\/tr>\n<tr>\n<td>CDs that pay the national average<\/td>\n<td>1.93%<\/td>\n<td>$1,930<\/td>\n<td>$101,030<\/td>\n<\/tr>\n<tr>\n<td>CDs from big brick-and-mortar banks<\/td>\n<td>0.03%<\/td>\n<td>$30<\/td>\n<td>$100,030<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><em>Rates may change. Rates are accurate as of Dec. 8, 2025.<\/em><\/p>\n<p>You\u2019ll often find competitive APYs at online institutions, such as Marcus by Goldman Sachs and Alliant Credit Union. Additionally, some local credit unions and community banks may offer above-average APYs.<\/p>\n<h2 id=\"competitive-one\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Competitive 1-year CD rates\" data-outcome=\"\">Competitive 1-year CD rates<\/h2>\n<p>If you were to deposit $100,000 into a one-year CD that pays a competitive APY of 4%, you\u2019d have around $4,000 in interest when the term is up, for a total balance of $104,000.<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Type of account:<\/strong> 1-year CD<\/li>\n<li>\n<strong>Opening deposit:<\/strong> $100,000<\/li>\n<li>\n<strong>APY:<\/strong> 4%<\/li>\n<li>\n<strong>Total interest after 1 year:<\/strong> around $4,000<\/li>\n<li>\n<strong>Total value of CD after 1 year:<\/strong> around $104,000<\/li>\n<\/ul>\n<p>For perspective, earning this competitive rate would give you around $2,000 more in additional interest than earning just the national average rate. Bankrate\u2019s best one-year CD rates can come in handy for those looking to compare rates across banks.\u00a0<\/p>\n<h2 id=\"natl-avg\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"National average 1-year CD rates\" data-outcome=\"\">National average 1-year CD rates<\/h2>\n<p>The national average APY for one-year CDs is 1.93% as of Dec. 8, 2025. Competitive CDs earn more than double this average.<\/p>\n<p>Investing $100,000 in a one-year CD that earns a 1.93% APY would provide you with around $1,930 in interest when the CD matures \u2014 for a total balance of $101,930, as shown below:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Type of account:<\/strong> 1-year CD<\/li>\n<li>\n<strong>Opening deposit:<\/strong> $100,000<\/li>\n<li>\n<strong>APY:<\/strong> 1.93%<\/li>\n<li>\n<strong>Total interest after 1 year:<\/strong> around $1,930<\/li>\n<li>\n<strong>Total value of CD after 1 year:<\/strong> around $101,930<\/li>\n<\/ul>\n<h2 id=\"big-banks\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"1-year CD rates from big banks\" data-outcome=\"\">1-year CD rates from big banks<\/h2>\n<p>Large banks with lots of branches tend to offer rock-bottom APYs on CDs and other deposit products. For instance, a standard one-year CD at Bank of America earns 0.03% APY and one at Chase Bank earns 0.01% (APYs may vary based upon zip code.) Not only are you not earning much interest, your money is losing purchasing power as inflation lingers around 3%.<\/p>\n<p>If you were to deposit $100,000 in a one-year CD that pays a yield of 0.03%, it would earn only around $30 upon maturity \u2014 for a total balance of $100,030.<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Type of account:<\/strong> 1-year CD<\/li>\n<li>\n<strong>Opening deposit:<\/strong> $100,000<\/li>\n<li>\n<strong>APY:<\/strong> 0.03%<\/li>\n<li>\n<strong>Total interest after 1 year:<\/strong> around $30<\/li>\n<li>\n<strong>Total value of CD after 1 year:<\/strong> around $100,030<\/li>\n<\/ul>\n<p>In all, $100,000 in a competitive one-year CD could earn you around $3,970 more in interest than the same amount in a CD that pays a very low yield.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    \u00a0Your money is losing purchasing power in a low-yield account\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p class=\"whitespace-normal break-words\">As of September 2025, the rate of inflation year-over-year is 3%. If you\u2019re not earning more on your savings than this, you\u2019re losing purchasing power.<\/p>\n<p class=\"whitespace-normal break-words\">This rate of inflation means that in September 2025, you need $103,012.68 to buy what $100,000 would have gotten you a year before.<\/p>\n<p class=\"whitespace-normal break-words\">If you\u2019d put your $100,000 in September 2024 in a one-year CD that earned 4%, you\u2019d have $104,000 in September 2025 and your purchasing power would be protected.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"finding-best-rate\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Finding a 1-year CD with the best rate\" data-outcome=\"\">Finding a 1-year CD with the best rate<\/h2>\n<p>The most competitive yields can often be found at online banks, which don\u2019t have to bear the overhead expenses of running branches. Credit unions may offer favorable rates as well.<\/p>\n<p>In addition to finding the best rate, you may also want to consider the early withdrawal penalty, if there is a chance you may need to access funds before maturity.\u00a0<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    $100,000 qualifies you for a jumbo CD\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>If you\u2019re investing $100,000 or more in a CD, look into jumbo CDs, which may pay higher rates than standard CDs. Some banks offer a tiered APY structure that rewards higher balances with better rates.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"safe\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Are 1-year CDs safe?\" data-outcome=\"\">Are 1-year CDs safe?<\/h2>\n<p>As long as you\u2019re with a federally insured financial institution, your money in a CD is safe up to $250,000 per depositor, per insured institution, per ownership category. This guarantees you won\u2019t lose your money in the event of a bank failure.<\/p>\n<p>The Federal Deposit Insurance Corp. (FDIC) is the agency that insures deposits at member banks, while the National Credit Union Administration (NCUA) insures deposits at member credit unions.<\/p>\n<h2 data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Other accounts that are beating inflation\" data-outcome=\"\">Other accounts that are beating inflation<\/h2>\n<p>In addition to CDs, it\u2019s possible to find other deposit products with yields that are well ahead of the rate of inflation. These include high-yield savings accounts as well as competitive money market accounts.\u00a0<\/p>\n<h2 data-position=\"7\" data-beam-element-viewed=\"\" data-id=\"br-h2-7-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n<p>While all one-year CDs have the same term length, they don\u2019t all offer the same yield potential. When you\u2019re thinking about locking up a huge sum of money like $100,000, you need to invest some extra time to compare a wide range of options.<\/p>\n<p>Cast a much wider net than big brick-and-mortar banks to include lesser-known banks and credit unions that may not have any branches. As long as your full deposit is covered by FDIC insurance or NCUA insurance, you\u2019ll stand to earn a lot more money without worrying about the potential of losing it.<\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"ccbaWTUS2k\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Up Icon<\/default:title><default:path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">Yes<\/span><br \/>\n            <\/button><br \/>\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--no border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-no=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-no\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"No\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Down Icon<\/default:title><default:path d=\"M19.26 2.175c.936 0 1.454 0 1.949.247.452.226.818.592 1.044 1.043.247.495.248 1.012.248 1.948v7.678c0 .936 0 1.453-.248 1.948a2.333 2.333 0 0 1-1.044 1.042c-.495.248-1.013.248-1.95.248h-.16c-.937 0-1.454 0-1.95-.248a2.33 2.33 0 0 1-.885-.777c-.637.596-1.79 2.176-3.314 5.155-.183.365-.312.602-.538.828a1.924 1.924 0 0 1-.722.441c-.258.086-.484.097-.742.097l.022-.011a5.39 5.39 0 0 1-.905-.064 2.741 2.741 0 0 1-1.852-1.345c-.71-1.216-.721-3.066-.022-5.496h-.516c-2.283 0-3.424 0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/banking\/cds\/how-much-100000-could-earn-you-1-year-cd\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Images by Getty Images; Illustration by Austin Courrege\/Bankrate Key takeaways Having $100,000 in a CD earning 4% annual percentage yield (APY) would earn you around $4,000 in interest in one year. This is more than double the $1,930 you\u2019d earn with $100,000 in a one-year CD that earns the approximate national average of 1.93% APY.<\/p>\n","protected":false},"author":1,"featured_media":22574,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22573","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Here&#039;s How Much $100,000 In A CD Could Earn You In 1 Year | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Images by Getty Images; Illustration by Austin Courrege\/Bankrate Key takeaways Having $100,000 in a CD earning 4% annual percentage yield (APY) would earn\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/budgetadirect.com\/?p=22573\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Here&#039;s How Much $100,000 In A CD Could Earn You In 1 Year | BudgetADirect\" \/>\n<meta property=\"og:description\" content=\"Images by Getty Images; Illustration by Austin Courrege\/Bankrate Key takeaways Having $100,000 in a CD earning 4% annual percentage yield (APY) would earn\" \/>\n<meta property=\"og:url\" content=\"https:\/\/budgetadirect.com\/?p=22573\" \/>\n<meta property=\"og:site_name\" content=\"BudgetADirect\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-11T22:15:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-11T22:15:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/12\/1765491305_Deposits_Heres_how_much_100000_in_a_CD_could_earn_you_in_a_1_year.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"News Room\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"News Room\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/budgetadirect.com\/?p=22573#article\",\"isPartOf\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=22573\"},\"author\":{\"name\":\"News Room\",\"@id\":\"https:\/\/budgetadirect.com\/#\/schema\/person\/60f83002f7bcaf7b883198f8da222a50\"},\"headline\":\"Here&#8217;s How Much $100,000 In A CD Could Earn You In 1 Year\",\"datePublished\":\"2025-12-11T22:15:05+00:00\",\"dateModified\":\"2025-12-11T22:15:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=22573\"},\"wordCount\":1021,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/budgetadirect.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=22573#primaryimage\"},\"thumbnailUrl\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/12\/1765491305_Deposits_Heres_how_much_100000_in_a_CD_could_earn_you_in_a_1_year.jpg\",\"articleSection\":[\"Homes\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/budgetadirect.com\/?p=22573#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/budgetadirect.com\/?p=22573\",\"url\":\"https:\/\/budgetadirect.com\/?p=22573\",\"name\":\"Here's How Much $100,000 In A CD Could Earn You In 1 Year | BudgetADirect\",\"isPartOf\":{\"@id\":\"https:\/\/budgetadirect.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=22573#primaryimage\"},\"image\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=22573#primaryimage\"},\"thumbnailUrl\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/12\/1765491305_Deposits_Heres_how_much_100000_in_a_CD_could_earn_you_in_a_1_year.jpg\",\"datePublished\":\"2025-12-11T22:15:05+00:00\",\"dateModified\":\"2025-12-11T22:15:07+00:00\",\"description\":\"Images by Getty Images; Illustration by Austin Courrege\/Bankrate Key takeaways Having $100,000 in a CD earning 4% annual percentage yield (APY) would earn\",\"breadcrumb\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=22573#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/budgetadirect.com\/?p=22573\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/budgetadirect.com\/?p=22573#primaryimage\",\"url\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/12\/1765491305_Deposits_Heres_how_much_100000_in_a_CD_could_earn_you_in_a_1_year.jpg\",\"contentUrl\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/12\/1765491305_Deposits_Heres_how_much_100000_in_a_CD_could_earn_you_in_a_1_year.jpg\",\"width\":1280,\"height\":720},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/budgetadirect.com\/?p=22573#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/budgetadirect.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Here&#8217;s How Much $100,000 In A CD Could Earn You In 1 Year\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/budgetadirect.com\/#website\",\"url\":\"https:\/\/budgetadirect.com\/\",\"name\":\"BudgetADirect\",\"description\":\"Latest Personal Finance News and Updates\",\"publisher\":{\"@id\":\"https:\/\/budgetadirect.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/budgetadirect.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/budgetadirect.com\/#organization\",\"name\":\"BudgetADirect\",\"url\":\"https:\/\/budgetadirect.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/budgetadirect.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2024\/03\/d-icon.png\",\"contentUrl\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2024\/03\/d-icon.png\",\"width\":512,\"height\":512,\"caption\":\"BudgetADirect\"},\"image\":{\"@id\":\"https:\/\/budgetadirect.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/budgetadirect.com\/#\/schema\/person\/60f83002f7bcaf7b883198f8da222a50\",\"name\":\"News Room\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/budgetadirect.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1afc2a88d343f74495db9a6a6ab9121bdc256a1100a11173bc6d587e4613fb13?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1afc2a88d343f74495db9a6a6ab9121bdc256a1100a11173bc6d587e4613fb13?s=96&d=mm&r=g\",\"caption\":\"News Room\"},\"sameAs\":[\"https:\/\/budgetadirect.com\"],\"url\":\"https:\/\/budgetadirect.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Here's How Much $100,000 In A CD Could Earn You In 1 Year | BudgetADirect","description":"Images by Getty Images; Illustration by Austin Courrege\/Bankrate Key takeaways Having $100,000 in a CD earning 4% annual percentage yield (APY) would earn","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/budgetadirect.com\/?p=22573","og_locale":"en_US","og_type":"article","og_title":"Here's How Much $100,000 In A CD Could Earn You In 1 Year | BudgetADirect","og_description":"Images by Getty Images; Illustration by Austin Courrege\/Bankrate Key takeaways Having $100,000 in a CD earning 4% annual percentage yield (APY) would earn","og_url":"https:\/\/budgetadirect.com\/?p=22573","og_site_name":"BudgetADirect","article_published_time":"2025-12-11T22:15:05+00:00","article_modified_time":"2025-12-11T22:15:07+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/12\/1765491305_Deposits_Heres_how_much_100000_in_a_CD_could_earn_you_in_a_1_year.jpg","type":"image\/jpeg"}],"author":"News Room","twitter_card":"summary_large_image","twitter_misc":{"Written by":"News Room","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/budgetadirect.com\/?p=22573#article","isPartOf":{"@id":"https:\/\/budgetadirect.com\/?p=22573"},"author":{"name":"News Room","@id":"https:\/\/budgetadirect.com\/#\/schema\/person\/60f83002f7bcaf7b883198f8da222a50"},"headline":"Here&#8217;s How Much $100,000 In A CD Could Earn You In 1 Year","datePublished":"2025-12-11T22:15:05+00:00","dateModified":"2025-12-11T22:15:07+00:00","mainEntityOfPage":{"@id":"https:\/\/budgetadirect.com\/?p=22573"},"wordCount":1021,"commentCount":0,"publisher":{"@id":"https:\/\/budgetadirect.com\/#organization"},"image":{"@id":"https:\/\/budgetadirect.com\/?p=22573#primaryimage"},"thumbnailUrl":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/12\/1765491305_Deposits_Heres_how_much_100000_in_a_CD_could_earn_you_in_a_1_year.jpg","articleSection":["Homes"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/budgetadirect.com\/?p=22573#respond"]}]},{"@type":"WebPage","@id":"https:\/\/budgetadirect.com\/?p=22573","url":"https:\/\/budgetadirect.com\/?p=22573","name":"Here's How Much $100,000 In A CD Could Earn You In 1 Year | BudgetADirect","isPartOf":{"@id":"https:\/\/budgetadirect.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/budgetadirect.com\/?p=22573#primaryimage"},"image":{"@id":"https:\/\/budgetadirect.com\/?p=22573#primaryimage"},"thumbnailUrl":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/12\/1765491305_Deposits_Heres_how_much_100000_in_a_CD_could_earn_you_in_a_1_year.jpg","datePublished":"2025-12-11T22:15:05+00:00","dateModified":"2025-12-11T22:15:07+00:00","description":"Images by Getty Images; Illustration by Austin Courrege\/Bankrate Key takeaways Having $100,000 in a CD earning 4% annual percentage yield (APY) would earn","breadcrumb":{"@id":"https:\/\/budgetadirect.com\/?p=22573#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/budgetadirect.com\/?p=22573"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/budgetadirect.com\/?p=22573#primaryimage","url":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/12\/1765491305_Deposits_Heres_how_much_100000_in_a_CD_could_earn_you_in_a_1_year.jpg","contentUrl":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/12\/1765491305_Deposits_Heres_how_much_100000_in_a_CD_could_earn_you_in_a_1_year.jpg","width":1280,"height":720},{"@type":"BreadcrumbList","@id":"https:\/\/budgetadirect.com\/?p=22573#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/budgetadirect.com\/"},{"@type":"ListItem","position":2,"name":"Here&#8217;s How Much $100,000 In A CD Could Earn You In 1 Year"}]},{"@type":"WebSite","@id":"https:\/\/budgetadirect.com\/#website","url":"https:\/\/budgetadirect.com\/","name":"BudgetADirect","description":"Latest Personal Finance News and Updates","publisher":{"@id":"https:\/\/budgetadirect.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/budgetadirect.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/budgetadirect.com\/#organization","name":"BudgetADirect","url":"https:\/\/budgetadirect.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/budgetadirect.com\/#\/schema\/logo\/image\/","url":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2024\/03\/d-icon.png","contentUrl":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2024\/03\/d-icon.png","width":512,"height":512,"caption":"BudgetADirect"},"image":{"@id":"https:\/\/budgetadirect.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/budgetadirect.com\/#\/schema\/person\/60f83002f7bcaf7b883198f8da222a50","name":"News Room","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/budgetadirect.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/1afc2a88d343f74495db9a6a6ab9121bdc256a1100a11173bc6d587e4613fb13?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1afc2a88d343f74495db9a6a6ab9121bdc256a1100a11173bc6d587e4613fb13?s=96&d=mm&r=g","caption":"News Room"},"sameAs":["https:\/\/budgetadirect.com"],"url":"https:\/\/budgetadirect.com\/?author=1"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/posts\/22573","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=22573"}],"version-history":[{"count":1,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/posts\/22573\/revisions"}],"predecessor-version":[{"id":22575,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/posts\/22573\/revisions\/22575"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/media\/22574"}],"wp:attachment":[{"href":"https:\/\/budgetadirect.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=22573"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=22573"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=22573"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}