APR Calculator for Term Deposits

Q

If you are making a Term Deposits, often called Certificate of Deposit (CD) at a bank, you can use this online tool to calculate the APR (Annual Percentage Rate) from a given APY (Annual Percentage Yield). APR is also referred as the nominal interest rate.

✍: Guest

A

APR and other information calculated by FYIcenter.com:

APR (Annual Percentage Rate): 3.9223%
Given APY (Annual Percentage Yield): 4%
Compounding frequency: Daily
Compounding periods: 89
Deposit term: 3 months (or 89 days)
--------------------------------------------
Deposit date: 2026-02-03
Maurity date: 2026-05-03
Deposit amount: $1,000.00
Interest at maturity: $9.61
Value at maturity: $1,009.61

The following formulas are used in the above calculations:

 $APY = {(1 + \frac{APR}{N})}^{N} - 1$ 
 $N = Number of compounding periods in a year$

References:

"Formula and Calculation of Annual Percentage Yield (APY)" by James Chen.

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Interest APY	%
Deposit term	Months Years
Compounding frequency	Daily Monthly Annually
Deposit amount $
Deposit date	YYYY-MM-DD