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Credit Union Certificate Calculator

Use this calculator to find out how much you can earn on a Certificate. Just enter a few pieces of information and we will calculate your annual percentage yield (APY) and ending balance. Click on the "View Report" button to see a detailed schedule of your Certificate's balance and earnings.

This Financial Calculator requires SUN's Java� Plug-in. If you see this message you will need to download SUN's Java� Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing �Install ActiveX Control�.

    You can also get SUN's Java� Plug-in here: Get the Java� Plug-in!

    For more information about this Plug-in please visit: SUN's Java� Plug-in
    For more information about these financial calculators please visit: Financial Calculators from KJE Computer Solutions, LLC

Definitions

Initial deposit
The starting balance for your Certificate .

Months
The total number of months for this Certificate to mature.

Interest rate
The published rate for this Certificate. Make sure to enter the actual rate, not the annual percentage yield (APY).

Annual percentage yield (APY)
This is the effective annual rate earned for this Certificate. A Certificate's APY depends on the frequency of compounding and the rate. Since APY measures your actual earnings per year, you can use it to compare Certificate's of different rates and compounding frequencies.

Compounding
Earnings on your Certificate's accumulated returns. This calculator allows you to choose the frequency that your Certificate's income is added to your account. The more frequently this occurs, the sooner your accumulated income will generate additional returns. You may wish to check with your financial institution to find out how often returns are being compounded on your particular Certificate.

Information and interactive calculators are made available to you as self-help tools for your personal independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.