我自己并没有经验，这是网上搜到的 When are taxes due on a CD? This depends on whether the CD is a short-term or long-term CD. The due dates are as follows: Short-Term: Interest earned on CDs with terms of one year or less is considered taxable income in the year that the CD interest is paid out. Long-Term: CDs with terms over a year are taxed as interest is earned over the CD term. Interest is considered taxable income in the year that you are legally entitled to it. For example, if you have a CD with a term of five years, you will owe tax on the interest paid in each of the years that you hold the CD before maturity.
安大勇 发表于 2025-03-19 14:21 我自己并没有经验，这是网上搜到的 When are taxes due on a CD? This depends on whether the CD is a short-term or long-term CD. The due dates are as follows: Short-Term: Interest earned on CDs with terms of one year or less is considered taxable income in the year that the CD interest is paid out. Long-Term: CDs with terms over a year are taxed as interest is earned over the CD term. Interest is considered taxable income in the year that you are legally entitled to it. For example, if you have a CD with a term of five years, you will owe tax on the interest paid in each of the years that you hold the CD before maturity.
跟是不是一年没关系， 看你当时收到的 interest 是不是可以没 penalty 就可以拿出来。 这可能要看不同的银行和CD 的内容， 有些可以没到期就可以拿利息出来， 有些可能要等到期才可以连利息带本金拿出来。 这可能也是为什么有些CD 不发当年的 1099。 但报不报， 还是要看是不是可以不用给 penality 就可以把利息拿出来。如果没收到 1099 又被Audit 出来， 到时可以拿这个出来做借口，要求免 penalty。 https://www.irs.gov/taxtopics/tc403 Most interest that you receive or that is credited to an account that you can withdraw from without penalty is taxable income in the year it becomes available to you. However, some interest you receive may be tax-exempt. If you received payments of interest and/or tax-exempt interest of $10 or more, you should receive Copy B of Form 1099-INT or Form 1099-OID reporting those payments. You may receive these forms as part of a composite statement from a broker. You must report all taxable and tax-exempt interest on your federal income tax return, even if you don''t receive a Form 1099-INT or Form 1099-OID. You must give the payer of interest income your correct taxpayer identification number; otherwise, you may be subject to a penalty and backup withholding. Refer to Topic no. 307 for information on backup withholding. See the paragraph below with respect to original issue discount (OID), which is treated as interest for federal tax purposes.
我每个月都能看到accrued interest, 我报的是2024年的税，2025年CD 才mature
那就 manual enter 咯
不能这样说，税法就那，难道有法不依吗？
我用的就是网上银行查的，是ALLY BANK，客服还找了supervisor，也说明年才发1099
赞同，以收到的1099表为准。
你赞同什么啊，没看清楚它写什么吗， 根本跟 1099 没啥关系。
这个要小心， 今年你报了部分的利息，等它明年发 1099 给你的时候， 要看清楚有没包括你今年已报的。
问题是某总统一年就交750也没见他干点儿啥啊
我的意思是如果你在这一年需要交税，那银行就应该给你发1099表，反之亦然。
以楼主为例，我预期她的CD是一年期或者小于一年，所以楼主会在明年初收到1099表，也只需要在明年交税。
你有ally的别的账户吗？有时候他合并在一张表上。你是联名账户吗？有时候他只给主账户发。
我也在ally买过cd，它家发的1099int表上有cd收到的利息的。
跟是不是一年没关系， 看你当时收到的 interest 是不是可以没 penalty 就可以拿出来。 这可能要看不同的银行和CD 的内容， 有些可以没到期就可以拿利息出来， 有些可能要等到期才可以连利息带本金拿出来。 这可能也是为什么有些CD 不发当年的 1099。 但报不报， 还是要看是不是可以不用给 penality 就可以把利息拿出来。如果没收到 1099 又被Audit 出来， 到时可以拿这个出来做借口，要求免 penalty。
https://www.irs.gov/taxtopics/tc403
Most interest that you receive or that is credited to an account that you can withdraw from without penalty is taxable income in the year it becomes available to you. However, some interest you receive may be tax-exempt. If you received payments of interest and/or tax-exempt interest of $10 or more, you should receive Copy B of Form 1099-INT or Form 1099-OID reporting those payments. You may receive these forms as part of a composite statement from a broker. You must report all taxable and tax-exempt interest on your federal income tax return, even if you don''t receive a Form 1099-INT or Form 1099-OID. You must give the payer of interest income your correct taxpayer identification number; otherwise, you may be subject to a penalty and backup withholding. Refer to Topic no. 307 for information on backup withholding. See the paragraph below with respect to original issue discount (OID), which is treated as interest for federal tax purposes.