Few banks sell a 10-year CD. None of the banks whose CD pages we read in October 2026 (Marcus, Bread Savings, Popular Direct, EverBank, CIT Bank) showed a 10-year term, so this page lists no rates. Marcus’s page, for example, shows terms from 6 months to 6 years. Check any bank that does offer one for its rate, minimum and penalty.
What a $10,000 10-Year CD Would Earn
The table is a calculation at example APYs, not offers from any bank.
| Example APY | Interest After 10 Years | Total at Maturity |
|---|---|---|
| 3.00% | $3,439 | $13,439 |
| 3.50% | $4,106 | $14,106 |
| 4.00% | $4,802 | $14,802 |
| 4.50% | $5,530 | $15,530 |
| 5.00% | $6,289 | $16,289 |
Interest = $10,000 x ((1 + APY)^10 - 1), assuming the APY is earned for all 10 years.
Alternatives to Consider
For a 10-year horizon, compare a 10-year CD with these options on the day you decide:
- A CD ladder of 1- to 5-year CDs, which gives you a maturing CD each year; see the CD laddering guide and the rates in best CD rates.
- US Treasury securities, whose interest is exempt from state income tax; check current yields at TreasuryDirect.gov.
- I bonds, which have an inflation-adjusted rate set by TreasuryDirect.
Tradeoffs of a 10-Year CD
For: a fixed rate and FDIC coverage (up to $250,000 per depositor, per bank, per ownership category) for a decade, and no decisions to make.
Against: your money is locked for ten years, a rate that looks good now can lag later rates, inflation can erode the real return, and an early withdrawal penalty applies. Banks set the penalty by term, so ask the bank for its schedule before opening.
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