How to Use the CD Maturity Date Calculator
A certificate of deposit (CD) or term deposit locks your money at a fixed interest rate for a set period. Knowing your maturity date in advance helps you plan when funds will become available — whether you plan to reinvest, spend, or transfer the money elsewhere. Enter your deposit start date and term length (in months) to instantly see the maturity date and a countdown.
Supported terms range from 1 month to 120 months (10 years). End-of-month date rules apply automatically: if you open a CD on January 31 for 1 month, the maturity date adjusts to February 28 (or 29 in a leap year). Most US CDs pay interest at maturity, though some longer-term products pay monthly or annually — check your agreement for details.
If the maturity date falls on a weekend or federal holiday, your bank will typically process the payment on the next business day. Contact your institution for their specific policy.
Frequently Asked Questions
US banks typically process the CD maturity on the next business day. Check with your institution for their specific policy.
Early withdrawal penalties typically range from 60 to 365 days of interest, depending on the institution and term. Holding to maturity avoids all penalties.