Share Certificate Calculator | Investment Growth Tool

Share Certificate Calculator

Calculate your investment growth with share certificates

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About Share Certificates

Share certificates (also called certificate accounts) are federally insured savings accounts that offer a fixed interest rate for a specified term. They're an excellent way to earn higher interest on money you can set aside for a period of time.

Key Features:

  • Fixed terms: Typically 3 months to 5 years
  • Fixed rates: Rate locked in for entire term
  • Safety: FDIC/NCUA insured up to $250,000
  • Minimum deposits: Usually $500-$1000 to open
  • Penalties: Early withdrawal penalties apply

How This Calculator Works:

  1. Enter your initial deposit amount
  2. Input the annual interest rate
  3. Select the term length (3-60 months)
  4. Choose how often interest is paid out
  5. Select compounding frequency
  6. View detailed growth projections and comparisons
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