{"id":22576,"date":"2025-12-11T23:16:01","date_gmt":"2025-12-11T23:16:01","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22576"},"modified":"2025-12-11T23:16:03","modified_gmt":"2025-12-11T23:16:03","slug":"heres-how-much-investing-10000-in-a-cd-right-now-could-earn-you-in-1-year","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22576","title":{"rendered":"Here\u2019s How Much Investing $10,000 In A CD Right Now 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            Image by Hunter Newton\/Bankrate\n        <\/p>\n<\/p><\/div>\n<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div id=\"block_2ba828d07b7f8209986366661d5a53a7\" 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 $10,000 in a CD that earns a 4% annual percentage yield (APY) would earn around $400 in interest in one year.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            This is more than two times the $193 you\u2019d earn with $10,000 in a one-year CD that earns the national average of 1.93% APY.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Meanwhile, large brick-and-mortar banks commonly offer low rates, of around 0.01%, which would earn you $1 in interest a year with a balance of $10,000.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>One benefit of a certificate of deposit is that you can calculate up front how much interest you\u2019ll earn by the time it matures, thanks to its fixed rate of return. If you put in $10,000 in a one-year certificate of deposit (CD) that earns a competitive 4% annual percentage yield (APY), you\u2019ll earn around $400 in total interest.\u00a0<\/p>\n<p>That rate is more than double the national average rate, and it\u2019s over 100 times greater than rock-bottom rates commonly offered by large banks.<\/p>\n<p>Here we\u2019ll compare what you can earn right now with a one-year CD that pays a competitive rate, one that earns the national average rate, and one that earns a rate commonly paid by big brick-and-mortar banks.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table wrapped\">\n<thead>\n<tr>\n<th>Type of 1-year CD<\/th>\n<th>Typical APY<\/th>\n<th>Interest on $10,000 after 1 year<\/th>\n<th>Total value of CD with $10,000 opening deposit after 1 year<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>CDs that pay competitive rates<\/td>\n<td>4.00%<\/td>\n<td>$400<\/td>\n<td>$10,400<\/td>\n<\/tr>\n<tr>\n<td>CDs that pay the national average<\/td>\n<td>1.93%<\/td>\n<td>$193<\/td>\n<td>$10,193<\/td>\n<\/tr>\n<tr>\n<td>CDs from big brick-and-mortar banks<\/td>\n<td>0.01%<\/td>\n<td>$1<\/td>\n<td>$10,001<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><i>Competitive CD rates and the national average rate may change. Rates are accurate as of Dec. 8, 2025.<\/i><\/p>\n<p>Bankrate\u2019s CD calculator is a good way to figure out how much you\u2019ll earn with a CD and it simply requires you to input the CD\u2019s APY, the term length and the amount of your opening deposit.<\/p>\n<h2 id=\"competitive\" 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>It\u2019s still possible to find banks that pay 4% on one-year CDs. A one-year CD with a $10,000 opening deposit that earns a competitive APY of 4% would be worth around $10,400 when it matures in 12 months\u2019 time.<\/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>: $10,000<\/li>\n<li>\n<strong>APY<\/strong>: 4%<\/li>\n<li>\n<strong>Total interest after 1 year<\/strong>: around $400<\/li>\n<li>\n<strong>Total value of CD after 1 year<\/strong>: around $10,400<\/li>\n<\/ul>\n<p>Online banks currently offering highly competitive APYs on one-year CDs include Discover Bank and Limelight Bank.<\/p>\n<h2 id=\"national-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 a one-year CD is 1.93 percent, based on Bankrate research, as of Dec. 8, 2025.<\/p>\n<p>If you deposited $10,000 into a one-year CD that pays this national average rate of 1.93 percent, in one year it would be worth a total of around $10,193.<\/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>: $10,000<\/li>\n<li>\n<strong>APY<\/strong>: 1.93%<\/li>\n<li>\n<strong>Total interest after 1 year<\/strong>: around $193<\/li>\n<li>\n<strong>Total value of CD after 1 year<\/strong>: around $10,193<\/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 brick-and-mortar banks are known for commonly offering rock-bottom yields. For example, you\u2019ll currently earn an APY of 0.01% from Chase on any standard CD term. That APY on a one-year CD in which you\u2019ve deposited $10,000 will earn around $1 in interest.<\/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>: $10,000<\/li>\n<li>\n<strong>APY<\/strong>: 0.01%<\/li>\n<li>\n<strong>Total interest after 1 year<\/strong>: around $1<\/li>\n<li>\n<strong>Total value of CD after 1 year<\/strong>: around $10,001<\/li>\n<\/ul>\n<h2 id=\"how-rates-work\" 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=\"How CD rates work\" data-outcome=\"\">How CD rates work<\/h2>\n<p>Most CDs pay a fixed rate that remains the same throughout the duration of the term, which can make them a good option in a falling rate environment.<\/p>\n<p>The rate you get when you open one depends on a number of factors. CDs from competitive banks may correlate with the federal funds rate, rates offered by competitors and whether the bank is in need of deposits.<\/p>\n<p>If you believe rates will be rising, you might want to wait to open a CD. A competitive high-yield savings account that makes it possible to withdraw the funds anytime may be a better choice in a rising rate environment.<\/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                    Beware of the early withdrawal penalty\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Withdrawing funds early from most CDs will result in an early withdrawal penalty, which can be costly since you\u2019ll lose your interest and maybe even some of your principal. Only put money away you\u2019re sure you won\u2019t need during the CD\u2019s term.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"alternatives\" 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=\"Alternatives to 1-year CDs\" data-outcome=\"\">Alternatives to 1-year CDs<\/h2>\n<p>If you want to explore alternatives beyond a one-year CD, you have options.<\/p>\n<h3>Savings accounts<\/h3>\n<p>Money set aside for emergency savings or other purchases you intend to make soon are better off in a high-yield savings account. These accounts allow you to withdraw money anytime without penalty (although some banks limit the number of withdrawals or transfers per statement cycle).<\/p>\n<p>A savings account gives you liquidity but doesn\u2019t come with a guaranteed yield like a CD.\u00a0<\/p>\n<h3>Money market accounts<\/h3>\n<p>Another possible alternative to a one-year CD is a money market account. Like savings accounts, money market accounts don\u2019t require you to lock in your funds for a set amount of time. They also often come with a debit card and check-writing privileges.<\/p>\n<h3>CDs with other term lengths<\/h3>\n<p>Banks commonly offer CDs with terms between three months and five years, though some go up to ten years. Compare rates across CD terms. But know that even though a six-month CD or a one-year CD may have a higher APY than a five-year CD, you\u2019ll earn more in interest the longer you leave your money deposited. Use a CD calculator to get the full comparison of what you\u2019ll earn in different timeframes.<\/p>\n<p>Opening a CD ladder is an option if you want to benefit from some long-term fixed rates while also having access to a portion of your funds sooner. For this strategy, you\u2019ll open multiple CDs with different maturity dates \u2014 such as terms of one, two, three, four and five years \u2014 and reinvest (or use) the money when each matures.<\/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=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n<p>One-year CDs can be a good place to keep money you won\u2019t need for a year, and they offer rates that are guaranteed.<\/p>\n<p>Shopping around at different banks that offer one-year CDs can help you find the best APY. The most competitive rates are often found at online banks, which commonly pay yields exponentially higher than the ones earned from big brick-and-mortar banks.<\/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=\"g1WyIds2YZ\" 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. 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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 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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-10000-could-earn-you-1-year-cd\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Image by Hunter Newton\/Bankrate Key takeaways Having $10,000 in a CD that earns a 4% annual percentage yield (APY) would earn around $400 in interest in one year. This is more than two times the $193 you\u2019d earn with $10,000 in a one-year CD that earns the national average of 1.93% APY. Meanwhile, large brick-and-mortar<\/p>\n","protected":false},"author":1,"featured_media":22577,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22576","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\u2019s How Much Investing $10,000 In A CD Right Now Could Earn You in 1 Year | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Image by Hunter Newton\/Bankrate Key takeaways Having $10,000 in a CD that earns a 4% annual percentage yield (APY) would earn around $400 in interest in\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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