If you have a limit for your add-on CD, I just found out that the contributions that you have made counts and it does not include the interest you have earned.
I have just called and found out that I can add over $11,000 to that Roth IRA add-on CD that I have this year. I was way over the limit for IRA insurance and took out the amount that it would be at the limit in 5 years for that 4.2% CD for IRA's. Left an amount there in that CD and when the add-on came they let me get that one cuz the interest was higher, but it had a limit.
They do not include the interest earned on that CD for the top amount. I was thinking of not doing a conversion this year cuz the rates are so low and the traditional IRA's and the add-on CD for my Roth are within 1/2% of the same interest earned. I called and she said just your additions are counted and not the interest.
If you have add-on CD's and are near the limit call them to see if the top amount for it includes interest earned.
Maybe you all know this I did not.