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Comparison of Deposit Account from AFENA with 4.96% - July 2025


Long-Term Analysis of GEICO with 0.90% APY and AFENA with 0.45% APY and TRIUS with 0.50% APY and KAIPERM NORTHWEST with 0.65% APY and The First Bank and Trust Company with 0.50% APY and CAMPCO with 1.00% APY and AFENA with 4.33% APY and AFENA with 4.96% APY and AFENA with 2.58% APY and FIRST COMMERCE with 0.80% APY and SSB Bank with 1.76% APY and SSB Bank with 1.76% 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
    GEICO
    0.90%
    -
    $50,000
    36 Month
    Credit Union
    1.19x (National Avg. - 0.75%)
    $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
  • 2
    LOCAL MONEY MARKET
    AFENA
    0.45%
    -
    $50,000
    N.A.
    Credit Union
    0.60x (National Avg. - 0.75%)
    $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
  • 3
    LOCAL CD
    TRIUS
    0.50%
    -
    $50,000
    18 Month
    Credit Union
    0.86x (National Avg. - 0.58%)
    $100,000
     
    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
  • 4
    LOCAL CD
    KAIPERM NORTHWEST
    0.65%
    -
    $50,000
    36 Month
    Credit Union
    0.86x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842
  • 5
    LOCAL CD
    The First Bank and Trust Company
    0.50%
    -
    $50,000
    48 Month
    Bank
    0.61x (National Avg. - 0.82%)
    $100,000
     
    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
  • 6
    LOCAL CD
    CAMPCO
    1.00%
    -
    $50,000
    60 Month
    Credit Union
    1.09x (National Avg. - 0.92%)
    $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
  • 7
    LOCAL CD
    AFENA
    4.33%
    -
    $50,000
    9 Month
    Credit Union
    N.A.
    $250
     
    SCENARIO
    Year Rate
    4.33%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,165 1,516
    2 52,165 2,259 1,581
    3 54,424 2,357 1,650
    4 56,780 2,459 1,721
    5 59,239 2,565 1,796
    6 61,804 2,676 1,873
    7 64,480 2,792 1,954
    8 67,272 2,913 2,039
    9 70,185 3,039 2,127
    10 73,224 3,171 2,219
    11 76,394 3,308 2,316
    12 79,702 3,451 2,416
    13 83,153 3,601 2,520
    14 86,754 3,756 2,630
    15 90,510 3,919 2,743
    16 94,430 4,089 2,862
    17 98,518 4,266 2,986
    18 102,784 4,451 3,115
    19 107,235 4,643 3,250
    20 111,878 4,844 3,391
    TOTAL $66,722 $46,706
  • 8
    LOCAL CD
    AFENA
    4.96%
    -
    $50,000
    19 Month
    Credit Union
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    4.96%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,480 1,736
    2 52,480 2,603 1,822
    3 55,083 2,732 1,912
    4 57,815 2,868 2,007
    5 60,683 3,010 2,107
    6 63,693 3,159 2,211
    7 66,852 3,316 2,321
    8 70,168 3,480 2,436
    9 73,648 3,653 2,557
    10 77,301 3,834 2,684
    11 81,135 4,024 2,817
    12 85,159 4,224 2,957
    13 89,383 4,433 3,103
    14 93,817 4,653 3,257
    15 98,470 4,884 3,419
    16 103,354 5,126 3,588
    17 108,480 5,381 3,766
    18 113,861 5,648 3,953
    19 119,509 5,928 4,149
    20 125,436 6,222 4,355
    TOTAL $81,658 $57,160
  • 9
    LOCAL CD
    AFENA
    2.58%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $250
     
    SCENARIO
    Year Rate
    2.58%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,290 903
    2 51,290 1,323 926
    3 52,613 1,357 950
    4 53,971 1,392 975
    5 55,363 1,428 1,000
    6 56,792 1,465 1,026
    7 58,257 1,503 1,052
    8 59,760 1,542 1,079
    9 61,302 1,582 1,107
    10 62,883 1,622 1,136
    11 64,506 1,664 1,165
    12 66,170 1,707 1,195
    13 67,877 1,751 1,226
    14 69,628 1,796 1,257
    15 71,425 1,843 1,290
    16 73,267 1,890 1,323
    17 75,158 1,939 1,357
    18 77,097 1,989 1,392
    19 79,086 2,040 1,428
    20 81,126 2,093 1,465
    TOTAL $33,219 $23,253
  • 10
    LOCAL MONEY MARKET
    FIRST COMMERCE
    0.80%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $50,000
     
    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
  • 11
    LOCAL CD
    SSB Bank
    1.76%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $500
     
    SCENARIO
    Year Rate
    1.76%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 879 615
    2 50,879 894 626
    3 51,773 910 637
    4 52,684 926 648
    5 53,610 942 660
    6 54,552 959 671
    7 55,511 976 683
    8 56,487 993 695
    9 57,480 1,011 707
    10 58,491 1,028 720
    11 59,519 1,046 732
    12 60,565 1,065 745
    13 61,630 1,083 758
    14 62,714 1,103 772
    15 63,816 1,122 785
    16 64,938 1,142 799
    17 66,080 1,162 813
    18 67,241 1,182 827
    19 68,423 1,203 842
    20 69,626 1,224 857
    TOTAL $20,850 $14,595
  • 12
    LOCAL CD
    SSB Bank
    1.76%
    -
    $50,000
    13 Month
    Bank
    N.A.
    $500
     
    SCENARIO
    Year Rate
    1.76%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 879 615
    2 50,879 894 626
    3 51,773 910 637
    4 52,684 926 648
    5 53,610 942 660
    6 54,552 959 671
    7 55,511 976 683
    8 56,487 993 695
    9 57,480 1,011 707
    10 58,491 1,028 720
    11 59,519 1,046 732
    12 60,565 1,065 745
    13 61,630 1,083 758
    14 62,714 1,103 772
    15 63,816 1,122 785
    16 64,938 1,142 799
    17 66,080 1,162 813
    18 67,241 1,182 827
    19 68,423 1,203 842
    20 69,626 1,224 857
    TOTAL $20,850 $14,595

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.06% on June 24.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.20% on April 9.

    Last change: ↑0.34% on May 27.
    Warning: Early Withdrawal Penalty is 180 days interest.

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