If you're making a one-time deposit enter the amount in the initial deposit field (up to $25 million) and put $0 in the contributions field. To see future earnings based on monthly savings, enter $0 in the initial deposit field and input your monthly savings in the contributions field. Adjust the estimated rate of return based on how long you plan to invest. You can compare industry rates by clicking on the link below. To see how much you will earn with DFL, set the estimated rate between 3.25% and 3.95%, compounded annually, for a period of 1 to 5 years. Finally, move the investment time span slider to see how your initial deposit earns interest over a fixed term.