

With a competitive 4.15% APY, a $100,000 CD could earn you $4,150 in interest over a year. In contrast, the average one-year CD rate of 2.49% would net you $2,490 over a year.
You can earn $4,150 by putting $100,000 in a one-year CD with a 4.15% APY, which is a competitive rate in September 2025.
That's a much stronger return than you'd get with a standard savings account, though it comes with a major catch: You generally can't touch your money until the account matures without incurring a penalty.
Here's what you need to know about how much a $100,000 certificate of deposit (CD) can earn, how today's rates compare and how to make the most of your money.
You could earn $2,490 in interest on a $100,000 CD, assuming today's average one-year CD rate of 2.49%, according to Curinos data. If you kept your money in a five-year CD at the current average rate of 1.97%, your investment would grow by $10,245.81 over five years.
While the national average yield sits at 2.49% for a one-year CD, many banks and credit unions offer significantly higher rates to attract depositors. Some of the best CD rates today are over 4%. For example, a one-year CD with a 4.15% annual percentage yield (APY) would boost your one-year interest earnings to $4,150.
Here's a look at how much $100,000 could earn with some current rates:
Type of CD | Rate | Interest Earned on $100,000 Deposit | Total CD Value Upon Maturity |
---|---|---|---|
1-year CD with average rate | 2.49%* | $2,490 | $102,490 |
1-year CD with competitive rate | 4.15% | $4,150 | $104,150 |
5-year CD | 1.97%* | $10,245.81 | $110,245.81 |
*Source: Curinos, September 2025; interest based on annual compounding
Learn more: Do CDs Pay Interest or Dividends?
CDs can be a smart savings tool if you're looking for predictable returns and don't need immediate access to your cash. Here are two key advantages they offer over traditional and high-yield savings accounts:
Keep in mind, though, that CDs require you to lock up your money until your account reaches maturity. If you take your money out before then, you'll typically incur an early withdrawal penalty, so it's important to choose a term that matches your financial goals.
Learn more: Types of CDs and How They Work
CDs are considered one of the safest places to put your money. Here are a few reasons why:
In most cases, you can't lose money in a CD. However, some financial institutions may impose early withdrawal penalties that can eat into your principal balance, so it's critical that you carefully review the account terms before opening one.
If you're thinking about stashing some cash in a CD, here are some ways you can make the most of your investment:
Learn more: Strategies for CD Savers
A $100,000 CD can be a powerful, low-risk way to grow your savings—especially when rates are as high as they are in 2025.
That said, CDs aren't the most flexible option. Once your money is in, it's generally locked up until the CD matures. If you withdraw early, you may face a penalty that could cancel out some or all of your earnings.
If you're confident you won't need the cash right away, a certificate of deposit can offer guaranteed returns and peace of mind. Just be sure to shop around, pick the right term and consider smart strategies to get the most out of your savings.
Lock in savings with a certificate of deposit—earn higher interest rates over a fixed term.
Compare accountsBen Luthi has worked in financial planning, banking and auto finance, and writes about all aspects of money. His work has appeared in Time, Success, USA Today, Credit Karma, NerdWallet, Wirecutter and more.
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