The interest rates we advertise are annual interest rates, so each week on Friday at 11:00:00 we calculate all interest according to prices at that moment.

**Our interest calculation schedule is as follows:**

- Interest accrual period: Friday 05:00:00 UTC to Friday 04:59:59 UTC.
- Interest calculation price snapshot: Friday 11:00:00 UTC
- Interest payment day: Monday, no set time.

**Interest in-kind example:**

- ETH price: $250
- The interest rate on ETH: 4.50%
- ETH deposit balance: 10
- We can use the weekly compounded interest formula:

P * (1 + r / n ) ^ n

In the case of Celsius:

Number of coins * ( 1 + ( Interest rate / Number of weeks in a year )) ^ Number of weeks in a year

- 10 ETH * (1 + 0.045 / 52) ^ 52 = 10.460075 ETH <- balance after a year
- 10.460075 ETH - 10 ETH = 0.460075 ETH
- 0.460075 ETH = $115.01 <- per year in compounded interest

**Interest in CEL example: (Platinum Loyalty Level, +35%)**

- ETH price: $250
- Interest rate on ETH: 6.075% <- (4.5% + (4.5% * 35%)
- ETH deposit balance: 10
- CEL price: $0.10

10 ETH = $2,500 = 25,000 CEL

25,000 CEL * ( 1 + 0.06075/52 )^52 = 26,564.8886 CEL

26,564.8886 CEL = $2,656.48

26,564.8886 CEL - 25,000 CEL = 1,564.8886 CEL

1,564.8886 CEL = $156.48 <- per year in compunded interest

**You can use our interest calculator by clicking on this link.**

*All prices used above are examples and do not reflect real market value.

**Currently, earning in CEL is not available to users from the US.