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Compare Savings vs. CDs
Comparison of Deposit Account from ACT 1ST with 0.45% - May 2024


Long-Term Analysis of State Bank of Nauvoo with 0.25% APY and Lewisburg Banking Company with 0.15% APY and American Bank of Baxter Springs with 0.25% APY and First National Bank Alaska with 0.05% APY and First Cahawba Bank with 0.35% APY and FORTRESS with 0.15% APY and MEMBERS ADVANTAGE with 0.55% APY and COMMUNICATION with 1.10% APY and CIBC Bank USA with 0.03% APY and United Farmers State Bank with 0.10% APY and Farmers State Bank with 0.30% APY and GFA with 1.15% APY and OHIO EDUCATIONAL with 0.25% APY and UPSTATE with 1.32% APY and Bank3 with 0.75% APY and Great Plains National Bank with 0.80% APY and Shinhan Bank America with 0.25% APY and UNIVERSITY FIRST with 1.00% APY and ACT 1ST with 0.45% APY and PEOPLES with 0.15% APY and First Bank with 0.86% APY and COMMONWEALTH ONE with 3.20% 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

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    State Bank of Nauvoo
    0.25%
    -
    $50,000
    18 Month
    Bank
    0.34x (National Avg. - 0.73%)
    $25,000
     
    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
  • 2
    LOCAL MONEY MARKET
    Lewisburg Banking Company
    0.15%
    -
    $50,000
    N.A.
    Bank
    0.21x (National Avg. - 0.73%)
    $2,500
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 3
    LOCAL CD
    American Bank of Baxter Springs
    0.25%
    -
    $50,000
    6 Month
    Bank
    0.36x (National Avg. - 0.69%)
    $1,000
     
    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
  • 4
    LOCAL MONEY MARKET
    First National Bank Alaska
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.07x (National Avg. - 0.69%)
    $2,500
     
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual 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
  • 5
    LOCAL CD
    First Cahawba Bank
    0.35%
    -
    $50,000
    48 Month
    Bank
    0.37x (National Avg. - 0.95%)
    $100,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 6
    LOCAL MONEY MARKET
    FORTRESS
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    0.16x (National Avg. - 0.95%)
    $2,500
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 7
    LOCAL CD
    MEMBERS ADVANTAGE
    0.55%
    -
    $50,000
    18 Month
    Credit Union
    0.76x (National Avg. - 0.73%)
    $100,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 276 193
    2 50,276 278 194
    3 50,554 279 195
    4 50,833 281 196
    5 51,113 282 198
    6 51,395 284 199
    7 51,679 285 200
    8 51,964 287 201
    9 52,251 288 202
    10 52,540 290 203
    11 52,830 292 204
    12 53,121 293 205
    13 53,414 295 206
    14 53,709 296 208
    15 54,006 298 209
    16 54,304 300 210
    17 54,604 301 211
    18 54,905 303 212
    19 55,208 305 213
    20 55,513 306 215
    TOTAL $5,819 $4,073
  • 8
    LOCAL CD
    COMMUNICATION
    1.10%
    -
    $50,000
    60 Month
    Credit Union
    1.20x (National Avg. - 0.91%)
    $1,000
     
    SCENARIO
    Year Rate
    1.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 550 385
    2 50,550 556 389
    3 51,106 562 394
    4 51,668 568 398
    5 52,237 575 402
    6 52,811 581 407
    7 53,392 587 411
    8 53,979 594 416
    9 54,573 600 420
    10 55,173 607 425
    11 55,780 614 430
    12 56,394 620 434
    13 57,014 627 439
    14 57,641 634 444
    15 58,276 641 449
    16 58,917 648 454
    17 59,565 655 459
    18 60,220 662 464
    19 60,882 670 469
    20 61,552 677 474
    TOTAL $12,229 $8,560
  • 9
    LOCAL MONEY MARKET
    CIBC Bank USA
    0.03%
    -
    $50,000
    N.A.
    Bank
    0.03x (National Avg. - 0.91%)
    $25,000
     
    SCENARIO
    Year Rate
    0.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 15 11
    2 50,015 15 11
    3 50,030 15 11
    4 50,045 15 11
    5 50,060 15 11
    6 50,075 15 11
    7 50,090 15 11
    8 50,105 15 11
    9 50,120 15 11
    10 50,135 15 11
    11 50,150 15 11
    12 50,165 15 11
    13 50,180 15 11
    14 50,195 15 11
    15 50,210 15 11
    16 50,225 15 11
    17 50,241 15 11
    18 50,256 15 11
    19 50,271 15 11
    20 50,286 15 11
    TOTAL $301 $211
  • 10
    LOCAL MONEY MARKET
    United Farmers State Bank
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.11x (National Avg. - 0.91%)
    $25,000
     
    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
  • 11
    LOCAL CD
    Farmers State Bank
    0.30%
    -
    $50,000
    24 Month
    Bank
    0.32x (National Avg. - 0.95%)
    $10,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 12
    LOCAL CD
    GFA
    1.15%
    -
    $50,000
    48 Month
    Credit Union
    1.21x (National Avg. - 0.95%)
    $10,000
     
    SCENARIO
    Year Rate
    1.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 575 403
    2 50,575 582 407
    3 51,157 588 412
    4 51,745 595 417
    5 52,340 602 421
    6 52,942 609 426
    7 53,551 616 431
    8 54,167 623 436
    9 54,789 630 441
    10 55,420 637 446
    11 56,057 645 451
    12 56,702 652 456
    13 57,354 660 462
    14 58,013 667 467
    15 58,680 675 472
    16 59,355 683 478
    17 60,038 690 483
    18 60,728 698 489
    19 61,427 706 494
    20 62,133 715 500
    TOTAL $12,847 $8,993
  • 13
    LOCAL CD
    OHIO EDUCATIONAL
    0.25%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $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
  • 14
    LOCAL CD
    UPSTATE
    1.32%
    -
    $50,000
    60 Month
    Credit Union
    1.45x (National Avg. - 0.91%)
    $100,000
     
    SCENARIO
    Year Rate
    1.32%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 660 462
    2 50,660 669 468
    3 51,329 678 474
    4 52,006 686 481
    5 52,693 696 487
    6 53,388 705 493
    7 54,093 714 500
    8 54,807 723 506
    9 55,530 733 513
    10 56,263 743 520
    11 57,006 752 527
    12 57,759 762 534
    13 58,521 772 541
    14 59,294 783 548
    15 60,076 793 555
    16 60,869 803 562
    17 61,673 814 570
    18 62,487 825 577
    19 63,312 836 585
    20 64,147 847 593
    TOTAL $14,994 $10,496
  • 15
    LOCAL CD
    Bank3
    0.75%
    -
    $50,000
    12 Month
    Bank
    0.89x (National Avg. - 0.84%)
    $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
  • 16
    LOCAL CD
    Great Plains National Bank
    0.80%
    -
    $50,000
    24 Month
    Bank
    0.84x (National Avg. - 0.95%)
    $1,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 17
    LOCAL CD
    Shinhan Bank America
    0.25%
    -
    $50,000
    6 Month
    Bank
    0.36x (National Avg. - 0.69%)
    $100,000
     
    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
  • 18
    LOCAL CD
    UNIVERSITY FIRST
    1.00%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    1.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 500 350
    2 50,500 505 354
    3 51,005 510 357
    4 51,515 515 361
    5 52,030 520 364
    6 52,551 526 368
    7 53,076 531 372
    8 53,607 536 375
    9 54,143 541 379
    10 54,684 547 383
    11 55,231 552 387
    12 55,783 558 390
    13 56,341 563 394
    14 56,905 569 398
    15 57,474 575 402
    16 58,048 580 406
    17 58,629 586 410
    18 59,215 592 415
    19 59,807 598 419
    20 60,405 604 423
    TOTAL $11,010 $7,707
  • 19
    LOCAL CD
    ACT 1ST
    0.45%
    -
    $50,000
    6 Month
    Credit Union
    0.66x (National Avg. - 0.69%)
    $10,000
     
    SCENARIO
    Year Rate
    0.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 225 158
    2 50,225 226 158
    3 50,451 227 159
    4 50,678 228 160
    5 50,906 229 160
    6 51,135 230 161
    7 51,365 231 162
    8 51,596 232 163
    9 51,829 233 163
    10 52,062 234 164
    11 52,296 235 165
    12 52,531 236 165
    13 52,768 237 166
    14 53,005 239 167
    15 53,244 240 168
    16 53,483 241 168
    17 53,724 242 169
    18 53,966 243 170
    19 54,209 244 171
    20 54,453 245 172
    TOTAL $4,698 $3,288
  • 20
    LOCAL SAVINGS
    PEOPLES
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    0.69x (National Avg. - 0.22%)
    $2,500
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 21
    LOCAL CD
    First Bank
    0.86%
    -
    $50,000
    1 Month
    Bank
    N.A.
    $500
     
    SCENARIO
    Year Rate
    0.86%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 430 301
    2 50,430 434 304
    3 50,864 437 306
    4 51,301 441 309
    5 51,742 445 311
    6 52,187 449 314
    7 52,636 453 317
    8 53,089 457 320
    9 53,545 460 322
    10 54,006 464 325
    11 54,470 468 328
    12 54,939 472 331
    13 55,411 477 334
    14 55,888 481 336
    15 56,368 485 339
    16 56,853 489 342
    17 57,342 493 345
    18 57,835 497 348
    19 58,333 502 351
    20 58,834 506 354
    TOTAL $9,340 $6,538
  • 22
    LOCAL CD
    COMMONWEALTH ONE
    3.20%
    -
    $50,000
    24 Month
    Credit Union
    3.37x (National Avg. - 0.95%)
    $50,000
     
    SCENARIO
    Year Rate
    3.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,600 1,120
    2 51,600 1,651 1,156
    3 53,251 1,704 1,193
    4 54,955 1,759 1,231
    5 56,714 1,815 1,270
    6 58,529 1,873 1,311
    7 60,402 1,933 1,353
    8 62,334 1,995 1,396
    9 64,329 2,059 1,441
    10 66,388 2,124 1,487
    11 68,512 2,192 1,535
    12 70,704 2,263 1,584
    13 72,967 2,335 1,634
    14 75,302 2,410 1,687
    15 77,712 2,487 1,741
    16 80,198 2,566 1,796
    17 82,765 2,648 1,854
    18 85,413 2,733 1,913
    19 88,146 2,821 1,974
    20 90,967 2,911 2,038
    TOTAL $43,878 $30,715

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    5 Month CD Special. Must be linked to a standard consumer or business checking account in which 12.6% of the total combined balance is maintained. Otherwise APY is 5.25%.

    Last change: ↓0.15% on May 13.
    3 Month CD.

    Last change: ↑0.09% on March 12.
    6 Month Jumbo CD.

    Last change: ↓0.05% on May 9.

    Last change: ↓0.36% on March 12.
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