Compare Savings vs. CDs
Comparison of Deposit Account from AMERICAN AIRLINES with 3.92% - November 2025


Long-Term Analysis of AMERICAN AIRLINES with 3.92% APY and East Cambridge Savings Bank with 0.20% 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.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    3.92%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    3.92%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,960 1,372
    2 51,960 2,037 1,426
    3 53,997 2,117 1,482
    4 56,114 2,200 1,540
    5 58,313 2,286 1,600
    6 60,599 2,375 1,663
    7 62,975 2,469 1,728
    8 65,443 2,565 1,796
    9 68,008 2,666 1,866
    10 70,674 2,770 1,939
    11 73,445 2,879 2,015
    12 76,324 2,992 2,094
    13 79,316 3,109 2,176
    14 82,425 3,231 2,262
    15 85,656 3,358 2,350
    16 89,014 3,489 2,443
    17 92,503 3,626 2,538
    18 96,129 3,768 2,638
    19 99,897 3,916 2,741
    20 103,813 4,069 2,849
    TOTAL $57,883 $40,518
  • 2
    LOCAL CD
    0.20%
    -
    $50,000
    6 Month
    Bank
    0.49x (National Avg. - 0.41%)
    $1,000
     
    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

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↓0.10% on October 13.

    Last change: ↓0.15% on October 13.

    Last change: ↓0.10% on September 17.