Deposit insurance: FDIC insurance covers deposits up to $250,000 per depositor, per FDIC-insured bank, for each account ownership category. Balances within the same ownership category at one bank are aggregated toward that limit; any amount above the limit is not insured at that bank.

Important information: These numbers are estimates. Rates can change, and actual returns are not guaranteed. Early-withdrawal penalties may reduce CD earnings. Taxes and fees are not modeled. This tool is for education only and is not financial advice.