Compare Savings vs. CDs
Comparison of Deposit Account from Aquesta Bank with 0.49% - July 2025


Long-Term Analysis of CREDIT UNION OF COLORADO, A with 4.10% APY and Aquesta Bank with 0.49% 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
    4.10%
    -
    $50,000
    36 Month
    Credit Union
    5.44x (National Avg. - 0.75%)
    $25,000
     
    SCENARIO
    Year Rate
    4.10%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,050 1,435
    2 52,050 2,134 1,494
    3 54,184 2,222 1,555
    4 56,406 2,313 1,619
    5 58,718 2,407 1,685
    6 61,126 2,506 1,754
    7 63,632 2,609 1,826
    8 66,241 2,716 1,901
    9 68,957 2,827 1,979
    10 71,784 2,943 2,060
    11 74,727 3,064 2,145
    12 77,791 3,189 2,233
    13 80,980 3,320 2,324
    14 84,300 3,456 2,419
    15 87,757 3,598 2,519
    16 91,355 3,746 2,622
    17 95,100 3,899 2,729
    18 98,999 4,059 2,841
    19 103,058 4,225 2,958
    20 107,284 4,399 3,079
    TOTAL $61,682 $43,178
  • 2
    N.A.
    0.49%
    -
    $50,000
    N.A.
    Bank
    0.65x (National Avg. - 0.75%)
    $25,000
     
    SCENARIO
    Year Rate
    0.49%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 244 170
    2 50,244 245 171
    3 50,488 246 172
    4 50,734 247 173
    5 50,981 248 174
    6 51,229 249 175
    7 51,479 251 175
    8 51,730 252 176
    9 51,982 253 177
    10 52,235 254 178
    11 52,489 256 179
    12 52,745 257 180
    13 53,002 258 181
    14 53,260 259 182
    15 53,519 261 182
    16 53,780 262 183
    17 54,042 263 184
    18 54,305 264 185
    19 54,569 266 186
    20 54,835 267 187
    TOTAL $5,102 $3,571

    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.