Compare Savings vs. CDs
Comparison of Deposit Account from 1ST LIBERTY with 0.10%
- October 2026
Long-Term Analysis of 121 FINANCIAL with 3.45% APY and 1ST LIBERTY with 0.10% APY and HMC (NJ) with 0.05% APY and CAPITAL COMMUNICATIONS with 3.00% 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.
You May Choose More Savings or CD Products From Among these Popular Products to Compare
- 1LOCAL CD3.45%-$50,00048 MonthCredit Union4.19x (National Avg. - 0.82%)$500SCENARIO
Year Rate
3.45%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,725 1,208 2 51,725 1,785 1,249 3 53,510 1,846 1,292 4 55,356 1,910 1,337 5 57,265 1,976 1,383 6 59,241 2,044 1,431 7 61,285 2,114 1,480 8 63,399 2,187 1,531 9 65,586 2,263 1,584 10 67,849 2,341 1,639 11 70,190 2,422 1,695 12 72,612 2,505 1,754 13 75,117 2,592 1,814 14 77,708 2,681 1,877 15 80,389 2,773 1,941 16 83,162 2,869 2,008 17 86,032 2,968 2,078 18 89,000 3,070 2,149 19 92,070 3,176 2,223 20 95,247 3,286 2,300 TOTAL $48,533 $33,973 - 2LOCAL SAVINGS0.10%-$50,000N.A.Credit Union0.43x (National Avg. - 0.23%)$2,500SCENARIO
Year Rate
0.10%Annual
InterestAnnual 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 - 3LOCAL SAVINGS0.05%-$50,000N.A.Credit Union0.21x (National Avg. - 0.23%)$2,500SCENARIO
Year Rate
0.05%Annual
InterestAnnual Interest
(After Tax)1 50,000 25 18 2 50,025 25 18 3 50,050 25 18 4 50,075 25 18 5 50,100 25 18 6 50,125 25 18 7 50,150 25 18 8 50,175 25 18 9 50,200 25 18 10 50,225 25 18 11 50,251 25 18 12 50,276 25 18 13 50,301 25 18 14 50,326 25 18 15 50,351 25 18 16 50,376 25 18 17 50,402 25 18 18 50,427 25 18 19 50,452 25 18 20 50,477 25 18 TOTAL $502 $352 - 4LOCAL CD3.00%-$50,00060 MonthCredit Union3.23x (National Avg. - 0.93%)$500SCENARIO
Year Rate
3.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,500 1,050 2 51,500 1,545 1,082 3 53,045 1,591 1,114 4 54,636 1,639 1,147 5 56,275 1,688 1,182 6 57,964 1,739 1,217 7 59,703 1,791 1,254 8 61,494 1,845 1,291 9 63,339 1,900 1,330 10 65,239 1,957 1,370 11 67,196 2,016 1,411 12 69,212 2,076 1,453 13 71,288 2,139 1,497 14 73,427 2,203 1,542 15 75,629 2,269 1,588 16 77,898 2,337 1,636 17 80,235 2,407 1,685 18 82,642 2,479 1,735 19 85,122 2,554 1,788 20 87,675 2,630 1,841 TOTAL $40,306 $28,214
All calculations are for demonstration purposes only.
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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4.50% | $100,000 |
Learn More on the North American Savings Bank, F.S.B. website |
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Take your savings to the next level with our 12-month online CD special! 12-Month |
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4.95% |
$10,000 |
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Last change: ↑0.45% on October 1. |
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4.85% |
$10,000 |
Learn More | |
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Last change: ↑0.35% on October 1. |
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4.80% |
$10,000 |
Learn More | |
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Last change: ↑0.30% on October 1. |
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4.65% |
$1,000 |
Learn More | |
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Last change: ↑0.35% on September 25. |
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