Certificates of Deposit Calculator

Term Share Certificates return the greatest amount of interest if you do not plan to spend the deposit amount within your certificate term. You can save for one to seven years and see a greater return on your investment.

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CD calculator

Term Share Certificates (CD)

This calculator shows what you can earn with a certificate of deposit. Please use the calculator for estimation purposes only. For a more precise payment, please apply with AMOCO.


Total Interest Earned


Total Principal


Interest Rate (%)


Term (Years)

APY is annual percentage yield and is based on dividend compounding monthly. Early withdrawals are subject to penalty. For all certificate accounts, the early withdrawal penalty is as follows: Terms of 12 months = 90 days’ dividends, Terms of 24 – 36 months = 120 days’ dividends, Terms of 48 – 60 months = 270 days’ dividends, Terms of 84 months = 365 days’ dividends. The Member Rewards Certificate Rate Bump Up can be applied to all Term Share Certificate product types, excluding special promotions.