Finance
22 columns
400 rows
8 formats

Certificate of Deposit (CD) Accounts

This dataset provides a comprehensive view of Certificate of Deposit (CD) accounts, including maturity dates, interest rates, early withdrawal penalties, renewal options, and call features. It enables detailed tracking of CD terms, liquidity management features, and account status, supporting both operational banking processes and advanced financial analysis.

last updated 29 Oct 2025
by GoMask

The brief that made it

Portfolio and liquidity risk analysis for financial institutions

Sample rows

preview · 8 of 400 rows · all 22 columns

cd_account_idstring	statusstring	interest_ratefloat	auto_renewalboolean	renewal_instructionsstring	account_holder_namestring	account_holder_idstring	cd_numberstring	issue_datedate	maturity_datedate	principal_amountfloat	currencystring	interest_compounding_frequencystring	early_withdrawal_penalty_amountfloat	early_withdrawal_penalty_descriptionstring	callableboolean	call_protection_end_datedate	call_notice_period_daysinteger	liquidity_features_descriptionstring	bank_namestring	branch_codestring	last_updateddatetime
CD00001	active	2.75	true	Renew principal and interest	Jessica Harper	CUST1001	1000000001	2022-05-15	2024-05-15	25000	USD	monthly	250	Penalty equals 3 months interest	false	blank	blank	blank	First American Bank	FABCHI001	2024-04-30T14:25:00
CD00002	active	3.1	false	blank	Lakeside Trust Holdings	TRUST901	1000000002	2021-03-20	2026-03-20	500000	USD	annually	25000	Penalty equals 12 months interest plus 1% principal	true	2025-03-20	90	Callable after 4 years; step-up rate after 3 years	National Wealth Bank	NWBCHI009	2024-04-29T10:15:22
CD00003	active	2.25	false	blank	Tommy Rivera	CUST1002	1000000003	2023-11-10	2024-11-10	5000	USD	monthly	75	Penalty equals 2 months interest	false	blank	blank	Partial withdrawal allowed after 6 months	Midwest Savings Bank	MSBIND002	2024-05-02T13:40:55
CD00004	active	1.5	false	blank	GlobalTech Corporation	TAX5021	1000000004	2020-09-12	2025-09-12	1200000	EUR	semiannually	50000	Penalty equals 6 months interest plus 0.5% principal	true	2023-09-12	120	Partial withdrawal allowed for business expenses after 3 years	Deutsche Capital Bank	DCBFRK101	2024-04-28T16:22:11
CD00005	matured	1.95	true	Renew principal only	Elena Martinez	CUST1003	1000000005	2021-02-01	2024-02-01	10000	USD	quarterly	100	Penalty equals 2 months interest	false	blank	blank	blank	Sunrise Community Bank	SCBSEA003	2024-02-02T09:31:12
CD00006	matured	3.95	false	blank	Emerald Foundations	TRUST902	1000000006	2019-05-07	2024-05-07	2000000	GBP	annually	100000	Penalty equals 18 months interest	true	2022-05-07	180	Step-up rate after 3 years; callable after 3 years	London Wealth Bank	LWBLCN007	2024-05-08T11:28:47
CD00007	active	2.35	false	blank	Samantha Owens	CUST1004	1000000007	2023-07-10	2024-07-10	15000	USD	monthly	100	Penalty equals 3 months interest	false	blank	blank	blank	Evergreen National Bank	ENBDEN102	2024-05-01T10:45:00
CD00008	active	2.75	false	blank	Unity Medical Group	TAX5022	1000000008	2022-12-13	2025-12-13	250000	USD	semiannually	12500	Penalty equals 6 months interest	true	2024-12-13	60	Penalty-free after 2 years; partial withdrawal for medical needs	United Health Bank	UHBATL004	2024-04-27T09:00:00
CD00009	active	1.75	true	Renew principal only	Franklin Pierce	CUST1005	1000000009	2021-08-01	2024-08-01	2000	USD	quarterly	50	Penalty equals 1 month interest	false	blank	blank	blank	Pioneer Trust Bank	PTBSEA011	2024-04-29T12:11:00
CD00010	matured	2.1	false	blank	Silverline LLC	TAX5023	1000000010	2020-02-18	2024-02-18	110000	USD	semiannually	5000	Penalty equals 6 months interest	true	2022-02-18	60	Partial withdrawal for business needs after 2 years	Metro Commercial Bank	MCBNYC004	2024-02-19T16:40:00
CD00011	active	2.95	false	blank	Renee Foster	CUST1006	1000000011	2024-01-20	2025-01-20	30000	USD	monthly	300	Penalty equals 4 months interest	false	blank	blank	Partial withdrawal allowed after 1 year	Sunrise Community Bank	SCBSEA006	2024-05-03T09:15:00
CD00012	closed	0.9	false	blank	Pacific Learning Trust	TRUST903	1000000012	2018-11-01	2023-11-01	250000	USD	annually	5000	Penalty equals 6 months interest	true	2021-11-01	30	Penalty-free after 3 years	California Trust Bank	CTBSF007	2023-11-02T10:00:00
CD00013	active	2.1	false	blank	Melanie Chang	CUST1007	1000000013	2023-03-05	2024-03-05	1200	USD	quarterly	50	Penalty equals 1 month interest	false	blank	blank	blank	Midwest Savings Bank	MSBIND008	2024-04-30T10:10:00
CD00014	active	2.8	false	blank	Bright Future Foundation	TRUST904	1000000014	2022-06-30	2027-06-30	900000	USD	semiannually	35000	Penalty equals 12 months interest	true	2025-06-30	120	Callable after 3 years; step-up rate after 4 years	National Wealth Bank	NWBCHI015	2024-04-30T13:10:10
CD00015	closed	2	false	blank	Emily Granger	CUST1008	1000000015	2022-10-10	2023-10-10	3500	USD	monthly	60	Penalty equals 1 month interest	false	blank	blank	blank	Sunrise Community Bank	SCBSEA018	2023-10-11T09:00:00
CD00016	active	3.25	false	blank	Horizon Investments	TAX5024	1000000016	2023-07-01	2028-07-01	1600000	GBP	annually	80000	Penalty equals 18 months interest	true	2026-07-01	150	Step-up rate after 3 years; callable after 4 years	London Wealth Bank	LWBLCN021	2024-05-01T13:25:00
CD00017	active	2.6	true	Renew principal and interest	Peter Novak	CUST1009	1000000017	2023-06-20	2024-06-20	18000	USD	monthly	120	Penalty equals 2 months interest	false	blank	blank	Partial withdrawal allowed after 1 year	Evergreen National Bank	ENBDEN013	2024-05-02T09:00:00
CD00018	active	2.4	false	blank	Cedar Hill Partners	TAX5025	1000000018	2021-09-12	2026-09-12	500000	USD	semiannually	20000	Penalty equals 6 months interest	true	2024-09-12	60	Penalty-free after 3 years	Metro Commercial Bank	MCBNYC017	2024-04-30T12:32:00
CD00019	closed	0.05	false	blank	Natalie Brooks	CUST1010	1000000019	2022-04-30	2023-04-30	100	USD	daily	0	No penalty	false	blank	blank	Legacy CD test account	Test Demo Bank	TDBNYC002	2023-04-30T15:08:00
CD00020	active	2	false	blank	Summit Education Fund	TRUST905	1000000020	2020-01-15	2025-01-15	325000	USD	annually	17500	Penalty equals 8 months interest	true	2023-01-15	30	Partial withdrawal allowed after 2 years	California Trust Bank	CTBSF018	2024-05-01T15:09:00

What the 400 rows show

from the 400-row sample

Closed status stands out: mean interest_rate is 0.34, against 2.4 for the rest.

28%auto_renewal = true
2.4median interest_rate
5interest compounding frequencies
12currencies
23,900median principal_amount
300median early_withdrawal_penalty_amount

Mean interest_rate by status400 rows

interest_rate400 rows, in bands of 0.5

Median 2.4, from 0.0 to 4.8.

renewal_instructions111 rows with a value · 289 left blank

Renew principal and interest44
Renew principal only41
Renew principal only at maturity20
Renew principal and interest at maturity6

22 columns by typefrom the column list below

string 12
integer 1
float 3
date 3
datetime 1
boolean 2

Columns

22 columns in four groups

blueprint · 22 columns
column	type	description	example
Text 12 columns
`cd_account_id`	string	Unique identifier for the Certificate of Deposit (CD) accountunique	CD00001
`account_holder_name`	string	Full name of the account holder or entity owning the CD	Jessica Harper
`account_holder_id`	string	Unique identifier for the account holder (e.g., customer ID, tax ID)	CUST1001
`cd_number`	string	Bank-issued certificate or account number for the CDunique	1000000001
`currency`	string	Currency code for the CD (e.g., USD, EUR)12 currencies	USD
`interest_compounding_frequency`	string	Frequency at which interest is compounded (e.g., monthly, quarterly, annually)daily · monthly · quarterly · semiannually · annually	monthly
`early_withdrawal_penalty_description`	string	Description of the penalty terms for early withdrawaloptional	No penalty
`renewal_instructions`	string	Instructions for renewal at maturity (e.g., renew principal only, renew principal and interest, close account)4 instructionses · optional	Renew principal only
`liquidity_features_description`	string	Description of any special liquidity features (e.g., partial withdrawals, step-up rates)optional	Legacy CD test account
`bank_name`	string	Name of the financial institution issuing the CD	First American Bank
`branch_code`	string	Code or identifier for the issuing bank branchoptional	FABCHI001
`status`	string	Current status of the CD account (e.g., active, matured, closed, called)active · matured · closed · called	active
Numbers 4 columns
`principal_amount`	float	Initial deposit amount for the CD0 or more	25000
`interest_rate`	float	Annual interest rate applied to the CD (as a percentage, e.g., 2.5 for 2.5%)0 or more	2.75
`early_withdrawal_penalty_amount`	float	Penalty amount (in currency) for early withdrawal, if applicable0 or more · optional	250
`call_notice_period_days`	integer	Number of days notice required before the CD can be called0 or more · optional	90
Dates and times 4 columns
`issue_date`	date	Date when the CD account was opened or issued	2022-05-15
`maturity_date`	date	Date when the CD matures and principal plus interest become available	2024-05-15
`call_protection_end_date`	date	Date until which the CD cannot be called by the issuer (call protection period)optional	2025-03-20
`last_updated`	datetime	Timestamp of the last update to this record	2024-04-30T14:25:00
True or false 2 columns
`auto_renewal`	boolean	Indicates if the CD is set to auto-renew at maturity	true
`callable`	boolean	Indicates if the CD has a call feature (can be redeemed by the issuer before maturity)	false

15 SQL practice questions for the Certificate of Deposit (CD) Accounts

Written for this data and checked against it: 12 SQL and 3 Power BI exercises from beginner to advanced. Try the first three free; the practice kit has all 15, a starter .sql file and an answer key with every expected result.

01BeginnerFreeSELECT · WHERE · ORDER BY
Largest active USD CDs
Return cd_account_id, account_holder_name, principal_amount and currency for active CDs in USD with a principal_amount of at least 1,000,000. Order by principal_amount descending, then cd_account_id ascending.
Tables: certificate_of_deposit_cd_accounts · your result: 4 columns, 11 rows
02BeginnerFreeDISTINCT · ORDER BY
Distinct compounding frequencies
Return each distinct interest_compounding_frequency value once, ordered alphabetically. The result has a single column named interest_compounding_frequency.
Tables: certificate_of_deposit_cd_accounts · your result: 1 columns, 5 rows
03BeginnerFreeGROUP BY · COUNT
CD count by status
Count the CDs for each status. Return status and cd_count, ordered by cd_count descending, then status ascending.
Tables: certificate_of_deposit_cd_accounts · your result: 2 columns, 3 rows

04Average rate by currencyBeginner
05Total principal by compounding frequencyPower BI
06Banks with at least five CDsIntermediate
07CD term length bucketsIntermediate
08CDs with above-average ratesIntermediate
09Above-average issue years with a CTEIntermediate
10Callable percentage by statusPower BI
11Top two CDs per currencyAdvanced
12Rate change from previous issueAdvanced
13Running USD principal by yearAdvanced
14USD principal share by statusAdvanced
15Rates well above currency averagePower BI

Get the practice kit: the full dataset, all 15 exercises, a starter .sql and the answer key. One-time $3.99.

Get the practice kit · $3.99

Use it for

A finance dashboard
The auto_renewal rate, interest_rate by status and a breakdown of renewal_instructions. Excel, Power BI or Tableau.
Why do the 43 closed rows have a mean interest_rate of 0.34?
A root-cause class exercise
Hand out the rows and one question. The answer is in the data, not in the brief.
Cd accounts400
CD000012.75active
CD000023.1active
CD000051.95matured
A software demo
Believable cd accounts with account_holder_name, account_holder_id and cd_number to fill a screen in front of a buyer.

This dataset400 rows22 columns

Yours1,000 rows22 columnsbranch_code: UK only

blueprint · certificate-of-deposit-cd-accounts

Behind this dataset

Same schema. As many rows as you need.

These 400 rows came out of a blueprint — 22 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.

Rules it was built with

CD account number unique
Term length: 3, 6, 12, 24, 36, 60 months typical
Fixed interest rate for term
Maturity date calculated from opening
Early withdrawal penalty: typically 3-6 months interest
Grace period for renewal: 7-10 days
Auto-renewal vs withdrawal instruction
Callable CD with higher rate

Rows1,000 rows10,000 rows100,000 rows1,000,000 rows

Open the blueprint in Data Factory

1 credit per row. Preview 20 rows free. Buy rows for the full run.

Exports: CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
Licence: yours to use, including commercially
API slug: certificate-of-deposit-cd-accounts

What should your data show?

No signup. No card.

Sample rows

What the 400 rows show

Columns

Largest active USD CDs

Distinct compounding frequencies

CD count by status

Use it for

A finance dashboard

A root-cause class exercise

A software demo

Make it yours.

Same schema. As many rows as you need.

More in Finance

What should your data show?