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Comparison of Deposit Account from ACCLAIM with 0.60% - August 2025

Long-Term Analysis of 22nd State Bank with 0.85% APY and First Fidelity Bank with 0.25% APY and GLOBAL with 4.15% APY and HOLYOKE COMMUNITY with 0.75% APY and SAN JUAN MOUNTAINS with 0.76% APY and MINNEQUA WORKS with 3.39% APY and Pinnacle Bank with 0.56% APY and MIDWEST AMERICA with 0.20% APY and GATEWAY METRO with 0.50% APY and PREMIER with 1.01% APY and ACCLAIM with 0.60% APY and Foundation One Bank with 0.90% APY and DISCOVERY with 4.50% APY and DISCOVERY with 4.75% APY and Texas Bank with 3.35% APY and Ennis State Bank with 0.25% APY and JUSTICE with 0.88% APY and FIRST EDUCATION with 1.00% APY and PROVIDENT with 4.75% APY and INROADS with 2.27% 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

22nd State Bank

0.85%

$50,000

18 Month

Bank

1.46x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL CD

First Fidelity Bank

0.25%

$50,000

6 Month

Bank

0.61x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

GLOBAL

4.15%

$50,000

18 Month

Credit Union

7.14x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 4.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,075	1,453
2	52,075	2,161	1,513
3	54,236	2,251	1,576
4	56,487	2,344	1,641
5	58,831	2,441	1,709
6	61,273	2,543	1,780
7	63,815	2,648	1,854
8	66,464	2,758	1,931
9	69,222	2,873	2,011
10	72,095	2,992	2,094
11	75,087	3,116	2,181
12	78,203	3,245	2,272
13	81,448	3,380	2,366
14	84,828	3,520	2,464
15	88,349	3,666	2,567
16	92,015	3,819	2,673
17	95,834	3,977	2,784
18	99,811	4,142	2,900
19	103,953	4,314	3,020
20	108,267	4,493	3,145
	TOTAL	$62,760	$43,932

LOCAL CD

HOLYOKE COMMUNITY

0.75%

$50,000

24 Month

Credit Union

1.14x (National Avg. - 0.66%)

$100,000

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

LOCAL CD

SAN JUAN MOUNTAINS

0.76%

$50,000

36 Month

Credit Union

1.01x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 0.76%	Annual Interest	Annual Interest (After Tax)
1	50,000	380	266
2	50,380	383	268
3	50,763	386	270
4	51,149	389	272
5	51,537	392	274
6	51,929	395	276
7	52,324	398	278
8	52,721	401	280
9	53,122	404	283
10	53,526	407	285
11	53,933	410	287
12	54,343	413	289
13	54,756	416	291
14	55,172	419	294
15	55,591	422	296
16	56,013	426	298
17	56,439	429	300
18	56,868	432	303
19	57,300	435	305
20	57,736	439	307
	TOTAL	$8,175	$5,722

LOCAL CD

MINNEQUA WORKS

3.39%

$50,000

36 Month

Credit Union

4.50x (National Avg. - 0.75%)

$50,000

SCENARIO

Year	Rate 3.39%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,696	1,187
2	51,696	1,754	1,227
3	53,450	1,813	1,269
4	55,263	1,875	1,312
5	57,137	1,938	1,357
6	59,075	2,004	1,403
7	61,079	2,072	1,450
8	63,151	2,142	1,499
9	65,293	2,215	1,550
10	67,508	2,290	1,603
11	69,797	2,368	1,657
12	72,165	2,448	1,713
13	74,613	2,531	1,772
14	77,144	2,617	1,832
15	79,760	2,705	1,894
16	82,466	2,797	1,958
17	85,263	2,892	2,024
18	88,155	2,990	2,093
19	91,145	3,092	2,164
20	94,237	3,197	2,238
	TOTAL	$47,434	$33,204

LOCAL CD

Pinnacle Bank

0.56%

$50,000

48 Month

Bank

0.69x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 0.56%	Annual Interest	Annual Interest (After Tax)
1	50,000	280	196
2	50,280	282	197
3	50,562	283	198
4	50,845	285	199
5	51,129	286	200
6	51,416	288	202
7	51,704	290	203
8	51,993	291	204
9	52,284	293	205
10	52,577	294	206
11	52,872	296	207
12	53,168	298	208
13	53,465	299	210
14	53,765	301	211
15	54,066	303	212
16	54,369	304	213
17	54,673	306	214
18	54,979	308	216
19	55,287	310	217
20	55,597	311	218
	TOTAL	$5,908	$4,136

LOCAL CD

MIDWEST AMERICA

0.20%

$50,000

6 Month

Credit Union

0.49x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL CD

GATEWAY METRO

0.50%

$50,000

6 Month

Credit Union

1.22x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

PREMIER

1.01%

$50,000

48 Month

Credit Union

1.24x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 1.01%	Annual Interest	Annual Interest (After Tax)
1	50,000	505	354
2	50,505	510	357
3	51,015	515	361
4	51,530	520	364
5	52,051	526	368
6	52,577	531	372
7	53,108	536	375
8	53,644	542	379
9	54,186	547	383
10	54,733	553	387
11	55,286	558	391
12	55,844	564	395
13	56,408	570	399
14	56,978	575	403
15	57,553	581	407
16	58,135	587	411
17	58,722	593	415
18	59,315	599	419
19	59,914	605	424
20	60,519	611	428
	TOTAL	$11,130	$7,791

LOCAL CD

ACCLAIM

0.60%

$50,000

18 Month

Credit Union

1.03x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL CD

Foundation One Bank

0.90%

$50,000

18 Month

Bank

1.55x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	450	315
2	50,450	454	318
3	50,904	458	321
4	51,362	462	324
5	51,824	466	326
6	52,291	471	329
7	52,761	475	332
8	53,236	479	335
9	53,715	483	338
10	54,199	488	341
11	54,687	492	345
12	55,179	497	348
13	55,675	501	351
14	56,177	506	354
15	56,682	510	357
16	57,192	515	360
17	57,707	519	364
18	58,226	524	367
19	58,750	529	370
20	59,279	534	373
	TOTAL	$9,813	$6,869

LOCAL CD

DISCOVERY

4.50%

$50,000

24 Month

Credit Union

6.82x (National Avg. - 0.66%)

$100

SCENARIO

Year	Rate 4.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,250	1,575
2	52,250	2,351	1,646
3	54,601	2,457	1,720
4	57,058	2,568	1,797
5	59,626	2,683	1,878
6	62,309	2,804	1,963
7	65,113	2,930	2,051
8	68,043	3,062	2,143
9	71,105	3,200	2,240
10	74,305	3,344	2,341
11	77,648	3,494	2,446
12	81,143	3,651	2,556
13	84,794	3,816	2,671
14	88,610	3,987	2,791
15	92,597	4,167	2,917
16	96,764	4,354	3,048
17	101,119	4,550	3,185
18	105,669	4,755	3,329
19	110,424	4,969	3,478
20	115,393	5,193	3,635
	TOTAL	$70,586	$49,410

LOCAL CD

DISCOVERY

4.75%

$50,000

6 Month

Credit Union

11.61x (National Avg. - 0.41%)

$100

SCENARIO

Year	Rate 4.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,375	1,663
2	52,375	2,488	1,741
3	54,863	2,606	1,824
4	57,469	2,730	1,911
5	60,199	2,859	2,002
6	63,058	2,995	2,097
7	66,053	3,138	2,196
8	69,191	3,287	2,301
9	72,477	3,443	2,410
10	75,920	3,606	2,524
11	79,526	3,777	2,644
12	83,304	3,957	2,770
13	87,261	4,145	2,901
14	91,406	4,342	3,039
15	95,747	4,548	3,184
16	100,295	4,764	3,335
17	105,059	4,990	3,493
18	110,050	5,227	3,659
19	115,277	5,476	3,833
20	120,753	5,736	4,015
	TOTAL	$76,488	$53,542

LOCAL CD

Texas Bank

3.35%

$50,000

6 Month

Bank

8.19x (National Avg. - 0.41%)

$500

SCENARIO

Year	Rate 3.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,675	1,173
2	51,675	1,731	1,212
3	53,406	1,789	1,252
4	55,195	1,849	1,294
5	57,044	1,911	1,338
6	58,955	1,975	1,383
7	60,930	2,041	1,429
8	62,971	2,110	1,477
9	65,081	2,180	1,526
10	67,261	2,253	1,577
11	69,514	2,329	1,630
12	71,843	2,407	1,685
13	74,250	2,487	1,741
14	76,737	2,571	1,799
15	79,308	2,657	1,860
16	81,965	2,746	1,922
17	84,711	2,838	1,986
18	87,548	2,933	2,053
19	90,481	3,031	2,122
20	93,512	3,133	2,193
	TOTAL	$46,645	$32,652

LOCAL CD

Ennis State Bank

0.25%

$50,000

6 Month

Bank

0.61x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

JUSTICE

0.88%

$50,000

36 Month

Credit Union

1.17x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.88%	Annual Interest	Annual Interest (After Tax)
1	50,000	442	309
2	50,442	445	312
3	50,887	449	315
4	51,336	453	317
5	51,790	457	320
6	52,247	461	323
7	52,708	465	326
8	53,174	470	329
9	53,643	474	332
10	54,117	478	334
11	54,595	482	337
12	55,077	486	340
13	55,563	491	343
14	56,054	495	346
15	56,549	499	350
16	57,048	504	353
17	57,552	508	356
18	58,060	513	359
19	58,573	517	362
20	59,090	522	365
	TOTAL	$9,611	$6,728

LOCAL CD

FIRST EDUCATION

1.00%

$50,000

48 Month

Credit Union

1.23x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	502	351
2	50,502	507	355
3	51,009	512	358
4	51,521	517	362
5	52,038	522	366
6	52,561	528	369
7	53,089	533	373
8	53,622	538	377
9	54,160	544	381
10	54,704	549	384
11	55,253	555	388
12	55,808	560	392
13	56,368	566	396
14	56,934	572	400
15	57,506	577	404
16	58,083	583	408
17	58,666	589	412
18	59,255	595	416
19	59,850	601	421
20	60,451	607	425
	TOTAL	$11,058	$7,740

LOCAL CD

PROVIDENT

4.75%

$50,000

6 Month

Credit Union

11.61x (National Avg. - 0.41%)

$1,000

SCENARIO

Year	Rate 4.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,375	1,663
2	52,375	2,488	1,741
3	54,863	2,606	1,824
4	57,469	2,730	1,911
5	60,199	2,859	2,002
6	63,058	2,995	2,097
7	66,053	3,138	2,196
8	69,191	3,287	2,301
9	72,477	3,443	2,410
10	75,920	3,606	2,524
11	79,526	3,777	2,644
12	83,304	3,957	2,770
13	87,261	4,145	2,901
14	91,406	4,342	3,039
15	95,747	4,548	3,184
16	100,295	4,764	3,335
17	105,059	4,990	3,493
18	110,050	5,227	3,659
19	115,277	5,476	3,833
20	120,753	5,736	4,015
	TOTAL	$76,488	$53,542

LOCAL CD

INROADS

2.27%

$50,000

36 Month

Credit Union

3.01x (National Avg. - 0.75%)

$50,000

SCENARIO

Year	Rate 2.27%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,135	795
2	51,135	1,161	813
3	52,296	1,187	831
4	53,483	1,214	850
5	54,697	1,242	869
6	55,939	1,270	889
7	57,208	1,299	909
8	58,507	1,328	930
9	59,835	1,358	951
10	61,193	1,389	972
11	62,582	1,421	994
12	64,003	1,453	1,017
13	65,456	1,486	1,040
14	66,942	1,520	1,064
15	68,461	1,554	1,088
16	70,015	1,589	1,113
17	71,605	1,625	1,138
18	73,230	1,662	1,164
19	74,893	1,700	1,190
20	76,593	1,739	1,217
	TOTAL	$28,331	$19,832

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
Finworth, a division of InsBank	4.46%	$50,000	Learn More
Last change: ↑0.26% on April 9. Early Withdrawal Penalty is 6 months interest.
Bread Savings, a division of Bread Financial	4.45%	$1,500	Learn More
Last change: ↑0.10% on July 13.

Compare Savings vs. CDs Comparison of Deposit Account from ACCLAIM with 0.60% - August 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from ACCLAIM with 0.60% - August 2025