Terms of Use

Last updated: October 30, 2026

By using freecdcalculator.com, you agree to these terms.

Estimates only — not a bank

The calculator produces illustrative estimates of CD interest and maturity value from the numbers you enter. It is not a bank, credit union, brokerage, or deposit account. It does not open accounts, quote live rates, or execute transactions. Bank APYs, compounding rules, early-withdrawal penalties, and taxes can differ from these estimates. This is not financial, tax, or investment advice.

No affiliation

This site is independent. It is not affiliated with any bank, credit union, deposit broker, or rate aggregator.

Acceptable use

Use the tools for personal planning and comparison. Do not abuse the site (scraping that harms service, attempts to break security, or illegal activity).

Disclaimer of warranty

The site is provided “as is” without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, or uninterrupted availability.

Limitation of liability

To the fullest extent allowed by law, the operator is not liable for lost interest, deposit decisions, tax outcomes, or other damages arising from use of the site.

Third-party links

Links to other tools or sites are for reference. Their terms and privacy policies apply on those sites.

Changes

We may update these terms. Continued use after changes means you accept the revised terms. The “Last updated” date will reflect edits.