NJ · Credit union

XCEL
CD early withdrawal penalty

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Bank-specific penalty terms are not yet verified

We are not assigning a standard penalty to this institution. You can still use the manual estimator below with the terms in your own CD agreement. Directory inclusion does not confirm that this institution offers CDs.

What would closing your CD cost?

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Estimate a full principal withdrawal before maturity. Amounts stay in this page and are not sent to TFS. Your institution must confirm eligibility and the final redemption quote.

Enter the terms from your disclosure

These are your inputs, not verified XCEL terms. This manual model supports simple days/months of interest or all interest earned. Percentage fees, tiered formulas, special minimums, and exceptions need an institution quote.

Penalty formulaPenalty daysInterest year basisCan the penalty reduce principal?

CD principal ($)Contractual annual interest rate (%)Use the interest rate on your CD agreement, not the advertised APY.Interest still on deposit and payable ($)Exclude interest already paid out. Use your institution’s current figure.

Compare holding this CD with reinvesting the proceeds until the same maturity date.I checked that these terms apply to my product, original term, and deposit date. This is a full withdrawal before maturity, outside any special withdrawal window. Any early-holding-period minimum has been accounted for.

XCELCD early withdrawal penalty

Bank-specific penalty terms are not yet verified

What would closing your CD cost?

XCEL
CD early withdrawal penalty