For example, Citi’s Accelerate savings account offers a 3.8% APY, but if your balance is below $30,000, the bank charges a $4.50 monthly service fee and a $2.50 fee for using a non-Citi ATM.

A CD calculator uses basic information about a CD, like the APY, term length, and initial deposit, to tell you how much interest you'll earn and what your total account balance will be.