@Russ11 since you are over 65 and eligible for the additional $6,000 Senior deduction, it is currently not clear if the filing requirement would be based on $17,750 standard deduction or $23,750 which includes the Senior deduction.
However, you would not owe any federal taxes if you had additional income of just under $14,400.
With $14,400 of additional income, $6,400 of CD income, $2,900 of the SS income would be part of taxable income. Adding all three numbers together yields $23,700 of income and then subtract the standard and senior deduction totalling $23,750, there is nothing to be taxed.
