CD Calculator
Lock it in. Watch it grow.
A certificate of deposit pays a fixed rate from day one to maturity. See what a single CD earns, or split the same money into a ladder so a rung comes due every year.
Term
Rates here are examples. Current CD rates are posted at any branch.
How would you like to save?
The ladder splits your deposit into four equal CDs maturing at 12, 24, 36 and 48 months. To keep the comparison honest we assume the same APY on every rung.
| Rung | Matures | Value at maturity |
|---|---|---|
| Rung 1 $2,500 | Jul 2027 | $2,600 |
| Rung 2 $2,500 | Jul 2028 | $2,704 |
| Rung 3 $2,500 | Jul 2029 | $2,812 |
| Rung 4 $2,500 | Jul 2030 | $2,925 |
| All four rungs | Jul 2030 | $11,041 |
Estimates for illustration only. Rates shown are examples, not an offer. Current rates are posted at any branch and change over time. Fees or early withdrawal penalties could reduce earnings. Member FDIC.
Why a CD
A fixed rate is a promise you can plan around.
Locked in, in writing
Your rate is set the day you open the CD and it does not move until maturity, whatever the headlines do.
Ladders keep options open
With a rung maturing every year, you get regular chances to spend, renew or catch a better rate.
Your deposit stays local
CD dollars at Greenville Savings have funded Mercer County homes and businesses since 1911, not a trading desk.
Ready to lock in a rate?
Current CD rates are posted at every branch, and opening one takes about fifteen minutes with a banker who knows your name.