Compare Savings vs. CDs
Comparison of Deposit Account from ASCEND with 3.45%
- September 2026
Long-Term Analysis of LIFEWAY with 0.45% APY and ASCEND with 3.61% APY and ASCEND with 3.45% APY and ASCEND with 1.36% 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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- 1LOCAL CD0.45%-$50,0006 MonthCredit Union1.11x (National Avg. - 0.40%)$10,000SCENARIO
Year Rate
0.45%Annual
InterestAnnual 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 - 2LOCAL CD3.61%-$50,00012 MonthCredit Union6.55x (National Avg. - 0.55%)$500SCENARIO
Year Rate
3.61%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,805 1,264 2 51,805 1,870 1,309 3 53,675 1,938 1,356 4 55,613 2,008 1,405 5 57,620 2,080 1,456 6 59,701 2,155 1,509 7 61,856 2,233 1,563 8 64,089 2,314 1,620 9 66,402 2,397 1,678 10 68,799 2,484 1,739 11 71,283 2,573 1,801 12 73,856 2,666 1,866 13 76,523 2,762 1,934 14 79,285 2,862 2,004 15 82,147 2,966 2,076 16 85,113 3,073 2,151 17 88,185 3,183 2,228 18 91,369 3,298 2,309 19 94,667 3,417 2,392 20 98,085 3,541 2,479 TOTAL $51,626 $36,138 - 3LOCAL CD3.45%-$50,0006 MonthCredit Union8.54x (National Avg. - 0.40%)$500SCENARIO
Year Rate
3.45%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,725 1,208 2 51,725 1,785 1,249 3 53,510 1,846 1,292 4 55,356 1,910 1,337 5 57,265 1,976 1,383 6 59,241 2,044 1,431 7 61,285 2,114 1,480 8 63,399 2,187 1,531 9 65,586 2,263 1,584 10 67,849 2,341 1,639 11 70,190 2,422 1,695 12 72,612 2,505 1,754 13 75,117 2,592 1,814 14 77,708 2,681 1,877 15 80,389 2,773 1,941 16 83,162 2,869 2,008 17 86,032 2,968 2,078 18 89,000 3,070 2,149 19 92,070 3,176 2,223 20 95,247 3,286 2,300 TOTAL $48,533 $33,973 - 4LOCAL MONEY MARKET1.36%-$50,000N.A.Credit Union3.37x (National Avg. - 0.40%)$100,000SCENARIO
Year Rate
1.36%Annual
InterestAnnual Interest
(After Tax)1 50,000 680 476 2 50,680 689 482 3 51,369 699 489 4 52,068 708 496 5 52,776 718 502 6 53,494 728 509 7 54,221 737 516 8 54,959 747 523 9 55,706 758 530 10 56,464 768 538 11 57,232 778 545 12 58,010 789 552 13 58,799 800 560 14 59,599 811 567 15 60,409 822 575 16 61,231 833 583 17 62,063 844 591 18 62,907 856 599 19 63,763 867 607 20 64,630 879 615 TOTAL $15,509 $10,856
All calculations are for demonstration purposes only.
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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4.50% | $100,000 |
Learn More on the North American Savings Bank, F.S.B. website |
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4.65% |
$1,000 |
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Last change: ↑0.35% on September 25. |
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4.50% |
$500 |
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Last change: ↑0.45% on April 27. |
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4.50% |
$500 |
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Last change: ↑0.43% on April 27. |
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4.50% |
$2,500 |
Learn More | |
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Last change: ↑0.10% on September 25. |
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