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


Long-Term Analysis of Taylorsville Savings Bank, SSB with 0.25% APY and Arbor Bank with 0.41% APY and Arbor Bank with 0.49% APY and Arbor Bank with 0.57% APY and Arbor Bank with 0.34% APY and Arbor Bank with 0.10% 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
    0.25%
    -
    $50,000
    6 Month
    Bank
    0.62x (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
  • 2
    LOCAL CD
    0.41%
    -
    $50,000
    18 Month
    Bank
    0.71x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.41%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 205 144
    2 50,205 206 144
    3 50,411 207 145
    4 50,618 208 145
    5 50,825 208 146
    6 51,033 209 146
    7 51,243 210 147
    8 51,453 211 148
    9 51,664 212 148
    10 51,876 213 149
    11 52,088 214 149
    12 52,302 214 150
    13 52,516 215 151
    14 52,732 216 151
    15 52,948 217 152
    16 53,165 218 153
    17 53,383 219 153
    18 53,602 220 154
    19 53,821 221 154
    20 54,042 222 155
    TOTAL $4,264 $2,985
  • 3
    LOCAL CD
    0.49%
    -
    $50,000
    36 Month
    Bank
    0.65x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.49%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 245 172
    2 50,245 246 172
    3 50,491 247 173
    4 50,739 249 174
    5 50,987 250 175
    6 51,237 251 176
    7 51,488 252 177
    8 51,740 254 177
    9 51,994 255 178
    10 52,249 256 179
    11 52,505 257 180
    12 52,762 259 181
    13 53,021 260 182
    14 53,280 261 183
    15 53,541 262 184
    16 53,804 264 185
    17 54,067 265 185
    18 54,332 266 186
    19 54,599 268 187
    20 54,866 269 188
    TOTAL $5,135 $3,594
  • 4
    LOCAL CD
    0.57%
    -
    $50,000
    48 Month
    Bank
    0.70x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.57%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 285 200
    2 50,285 287 201
    3 50,572 288 202
    4 50,860 290 203
    5 51,150 292 204
    6 51,441 293 205
    7 51,735 295 206
    8 52,029 297 208
    9 52,326 298 209
    10 52,624 300 210
    11 52,924 302 211
    12 53,226 303 212
    13 53,529 305 214
    14 53,834 307 215
    15 54,141 309 216
    16 54,450 310 217
    17 54,760 312 218
    18 55,072 314 220
    19 55,386 316 221
    20 55,702 318 222
    TOTAL $6,019 $4,214
  • 5
    LOCAL CD
    0.34%
    -
    $50,000
    6 Month
    Bank
    0.84x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.34%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 170 119
    2 50,170 171 119
    3 50,341 171 120
    4 50,512 172 120
    5 50,683 172 121
    6 50,856 173 121
    7 51,029 173 121
    8 51,202 174 122
    9 51,376 175 122
    10 51,551 175 123
    11 51,726 176 123
    12 51,902 176 124
    13 52,079 177 124
    14 52,256 178 124
    15 52,433 178 125
    16 52,612 179 125
    17 52,790 179 126
    18 52,970 180 126
    19 53,150 181 126
    20 53,331 181 127
    TOTAL $3,512 $2,458
  • 6
    LOCAL MONEY MARKET
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.25x (National Avg. - 0.41%)
    $2,500
     
    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

    All calculations are for demonstration purposes only.

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