Compare Savings vs. CDs
Comparison of Deposit Account from 1ST LIBERTY with 0.75% - November 2026


Long-Term Analysis of Redstone Bank with 0.10% APY and NSB Bank with 0.84% APY and County Bank with 0.94% APY and 1ST LIBERTY with 0.75% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL MONEY MARKET
    0.10%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $2,500
     
    SCENARIO
    Year Rate
    0.10%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 2
    LOCAL CD
    0.84%
    -
    $50,000
    36 Month
    Bank
    1.11x (National Avg. - 0.76%)
    $100,000
     
    SCENARIO
    Year Rate
    0.84%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 421 295
    2 50,421 425 297
    3 50,846 428 300
    4 51,274 432 302
    5 51,705 435 305
    6 52,141 439 307
    7 52,580 443 310
    8 53,022 446 313
    9 53,469 450 315
    10 53,919 454 318
    11 54,373 458 320
    12 54,831 462 323
    13 55,293 466 326
    14 55,758 469 329
    15 56,228 473 331
    16 56,701 477 334
    17 57,179 481 337
    18 57,660 485 340
    19 58,146 490 343
    20 58,635 494 346
    TOTAL $9,129 $6,390
  • 3
    LOCAL CD
    0.94%
    -
    $50,000
    48 Month
    Bank
    1.14x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.94%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 470 329
    2 50,470 474 332
    3 50,944 479 335
    4 51,423 483 338
    5 51,907 488 342
    6 52,395 493 345
    7 52,887 497 348
    8 53,384 502 351
    9 53,886 507 355
    10 54,393 511 358
    11 54,904 516 361
    12 55,420 521 365
    13 55,941 526 368
    14 56,467 531 372
    15 56,998 536 375
    16 57,533 541 379
    17 58,074 546 382
    18 58,620 551 386
    19 59,171 556 389
    20 59,727 561 393
    TOTAL $10,289 $7,202
  • 4
    LOCAL CD
    0.75%
    -
    $50,000
    24 Month
    Credit Union
    1.13x (National Avg. - 0.67%)
    $10,000
     
    SCENARIO
    Year Rate
    0.75%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641

    All calculations are for demonstration purposes only.

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