ENB CD calculators are strictly for informational purposes only. The accuracy of their results is not guaranteed. The use of this calculator does not constitute an endorsement, offering or to provide investment advice. Annual percentage yield (APY) is the effective annual rate earned for this certificate, and assumes interest remains on deposit until maturity. Fees may reduce earnings. Penalties are assessed for early withdrawals. Information including but not limited to maturity date and penalties will be found in the opening account paperwork. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.