YieldWise

HYSA vs. CD Opportunity Cost Calculator

Should you lock in a CD or stay liquid in a HYSA?

Compare guaranteed fixed CD returns against high-yield savings flexibility. Evaluate real-time compound growth, penalty risks, and early exit opportunity costs.

Quick Scenario Presets:

Calculator Parameters

$
$500 $100,000 $250,000
mo
3 mo 12 mo 36 mo 60 mo
%
%
months
0 mo 3 mo (Standard) 6 mo 12 mo

Tip: CDs guarantee your rate for the full term. HYSA rates are variable and may drop if the Federal Reserve cuts interest rates.

Net Gain Advantage
Certificate of Deposit 4.50% APY
Total Interest Earned
$0.00
Final Balance: $0.00
High-Yield Savings 4.15% APY
Total Interest Earned
$0.00
Final Balance: $0.00

Full Term Interest Comparison

12 Months
CD Return $0.00
HYSA Return $0.00

Early Break Scenario & Penalty Risk

What if you need liquidity and break the CD at Month 6?

Penalty Forfeited -$0.00
Accrued CD Interest: $0.00
Penalty (3 mo): -$0.00
Net CD Return: $0.00
HYSA Interest at Month 6: $0.00
Penalty Cost: $0.00 (Liquid)
HYSA Net Return: $0.00

Partner Offers

Top High-Yield Offers for You

Vetted accounts with market-leading yields, FDIC insurance, and zero hidden fees.

FDIC Insured Up To $250,000
Best for Liquidity
SoFi

SoFi High-Yield Savings

Top HYSA Pick • Flexible Cash Access

4.20% APY
$0 Monthly Maintenance Fees Up to $300 Sign-up Bonus with Direct Deposit
  • No minimum deposit or account balance rules
  • Withdraw or transfer penalty-free at any time
  • FDIC insured up to $2M through partner network
Open SoFi Account
Best Guaranteed Rate
MARCUS

Marcus 12-Month CD

Top CD Pick • Goldman Sachs Bank USA

4.50% APY
10-Day Rate Guarantee $500 Minimum Deposit
  • Lock in fixed high yield against expected rate drops
  • Daily compounding interest for max returns
  • FDIC insured up to $250,000 per depositor
Open Marcus CD

* Disclosure: YieldWise is an independent publisher. We may receive compensation from partners when you click on affiliate links. Rates, terms, and APY figures are updated regularly but are subject to change by financial institutions at any time.