Home
Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from A+ with 3.56% - November 2025

Long-Term Analysis of FANNIN with 1.61% APY and A+ with 3.56% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

FANNIN

1.61%

$50,000

36 Month

Credit Union

2.14x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 1.61%	Annual Interest	Annual Interest (After Tax)
1	50,000	806	564
2	50,806	819	573
3	51,625	832	583
4	52,457	846	592
5	53,303	859	601
6	54,162	873	611
7	55,035	887	621
8	55,922	901	631
9	56,824	916	641
10	57,740	931	652
11	58,671	946	662
12	59,616	961	673
13	60,577	977	684
14	61,554	992	695
15	62,546	1,008	706
16	63,554	1,024	717
17	64,579	1,041	729
18	65,620	1,058	740
19	66,678	1,075	752
20	67,752	1,092	765
	TOTAL	$18,845	$13,191

LOCAL CD

A+

3.56%

$50,000

24 Month

Credit Union

5.39x (National Avg. - 0.66%)

$1,000

SCENARIO

Year	Rate 3.56%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,780	1,246
2	51,780	1,843	1,290
3	53,623	1,909	1,336
4	55,532	1,977	1,384
5	57,509	2,047	1,433
6	59,557	2,120	1,484
7	61,677	2,196	1,537
8	63,873	2,274	1,592
9	66,146	2,355	1,648
10	68,501	2,439	1,707
11	70,940	2,525	1,768
12	73,465	2,615	1,831
13	76,081	2,708	1,896
14	78,789	2,805	1,963
15	81,594	2,905	2,033
16	84,499	3,008	2,106
17	87,507	3,115	2,181
18	90,622	3,226	2,258
19	93,848	3,341	2,339
20	97,189	3,460	2,422
	TOTAL	$50,649	$35,455

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.
Bread Savings, a division of Bread Financial	4.20%	$1,500	Learn More
Last change: ↓0.10% on October 13.
Limelight Bank, A division of Capital Community Bank	4.15%	$1,000	Learn More
Last change: ↓0.15% on October 13.
M.Y. SAFRA BANK, FSB	4.15%	$500	Learn More
Total Bank, a division of City National Bank of Florida	4.10%	$25,000	Learn More
Last change: ↓0.15% on November 26.

Compare Savings vs. CDs Comparison of Deposit Account from A+ with 3.56% - November 2025

Long-Term Analysis of FANNIN with 1.61% APY and A+ with 3.56% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from A+ with 3.56% - November 2025