11 views Savings Information Deposit amount? $ Share Certificate term (months)? Interest rate? % Compounding Frequency? - Select -DailyMonthlyQuarterlySemi-AnnuallyAnnually Printer-friendly version Your Savings at Maturity Value at Maturity Interest Earned Average Monthly Interest Annual Percentage Yield (APY) Chart Table Your Savings at Maturity Savings Category Amount Deposit Interest Earned Savings at Maturity Submit A certificate (or share certificate) is a savings account that earns a fixed rate for a set period of time. The amount you earn depends on your deposit size, the term, and how often the interest compounds. Certificates that compound more frequently typically earn a higher Annual Percentage Yield (APY), which reflects your true annual return once compounding is factored in.