Fixed Deposit Calculator — USA
Calculate your fixed-deposit maturity value and interest in USD at current rates. No signup, no tracking.
Fixed deposit rates in USA (2026)
CD rates ≈ 4–5% p.a. for 1–5 year terms. Top providers: Marcus by Goldman, Ally Bank, Capital One 360.
At around 4%, the fixed-deposit rate in USA is around the typical range for developed-market deposits.
Reference figures, ~2026. FD interest is often taxable and rates vary by bank and tenure - verify the current rate before depositing.
Worked example
For every $100,000 deposited at 4.00% for 5 years (quarterly compounding):
- Maturity value: $122,019
- Interest earned: $22,019
Scale to your deposit amount. Longer tenures and higher rates grow the maturity value; compare banks before locking in.
How to get the best fixed-deposit return in USA
- Compare several banks - smaller and digital banks often pay more than the big high-street names.
- Ladder your deposits across different tenures so some matures regularly and you can reinvest at new rates.
- Check how often interest compounds; more frequent compounding grows the maturity value.
- Factor in tax on the interest, and compare against short-term government bills or bonds.
Frequently Asked Questions
How is FD maturity calculated in USA?
Maturity = P × (1 + r/4)^(4n) for quarterly compounding, where P is the deposit, r the annual rate and n the years. fin·calc uses this standard method.
What is the current FD rate in USA?
As a 2026 reference, fixed-deposit rates are around 4% per year, varying by bank and tenure. CD rates ≈ 4–5% p.a. for 1–5 year terms. Top providers: Marcus by Goldman, Ally Bank, Capital One 360.
Is FD interest taxable in USA?
In the US, CD and savings interest is taxed as ordinary income by the IRS at your federal marginal rate (10–37% for 2026) plus most states’ income tax, reported yearly on Form 1099-INT even if you don’t withdraw it; interest inside a tax-advantaged account like a 401(k) or IRA is deferred until withdrawal.
Is a fixed deposit safe in USA?
Fixed deposits carry no market risk. In the US, bank deposits are protected by the FDIC up to $250,000 per depositor, per insured bank. They trade higher safety for lower long-term returns than equities.
Should I choose a fixed deposit or invest instead in USA?
A fixed deposit gives a guaranteed return and suits money you cannot afford to risk. Investing targets higher long-term growth but can fall in value. Many people keep an FD for safety and invest separately for growth.
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Sources
Deposit rates are compiled from each country's central-bank publications and the typical offerings of its major banks, reviewed for 2026 and subject to change — always confirm the current rate with your bank before depositing. See our methodology and editorial policy for how we source and update this data.