• Home
  • Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from ASCENSION with 0.85% - May 2025


Long-Term Analysis of CNB Bank, Inc. with 0.35% APY and PEN AIR with 1.60% APY and ALTRA with 0.50% APY and Bank of the Sierra with 0.26% APY and MIAMI with 0.75% APY and First Community Bank of Hillsboro with 0.45% APY and Adams Bank & Trust with 0.70% APY and Farmers State Bank with 0.40% APY and WesBanco Bank, Inc. with 0.40% APY and ASCENSION with 0.85% APY and CHRISTIAN FINANCIAL with 0.65% APY and SIDNEY with 0.95% APY and The Fort Jennings State Bank with 0.25% APY and First National Bank & Trust Company of McAlester with 0.55% APY and Summit Bank with 0.20% APY and USSCO JOHNSTOWN with 0.95% APY and Wilmington Savings Fund Society, FSB with 0.03% APY and Texas Financial Bank with 0.20% APY and HIWAY with 3.40% APY and MAGNIFI FINANCIAL with 3.15% 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
    CNB Bank, Inc.
    0.35%
    -
    $50,000
    24 Month
    Bank
    0.53x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 2
    LOCAL CD
    PEN AIR
    1.60%
    -
    $50,000
    6 Month
    Credit Union
    3.93x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    1.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 800 560
    2 50,800 813 569
    3 51,613 826 578
    4 52,439 839 587
    5 53,278 852 597
    6 54,130 866 606
    7 54,996 880 616
    8 55,876 894 626
    9 56,770 908 636
    10 57,678 923 646
    11 58,601 938 656
    12 59,539 953 667
    13 60,492 968 678
    14 61,459 983 688
    15 62,443 999 699
    16 63,442 1,015 711
    17 64,457 1,031 722
    18 65,488 1,048 733
    19 66,536 1,065 745
    20 67,601 1,082 757
    TOTAL $18,682 $13,078
  • 3
    LOCAL CD
    ALTRA
    0.50%
    -
    $50,000
    18 Month
    Credit Union
    0.86x (National Avg. - 0.58%)
    $10,000
     
    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
    Bank of the Sierra
    0.26%
    -
    $50,000
    36 Month
    Bank
    0.35x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.26%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 130 91
    2 50,130 130 91
    3 50,260 131 91
    4 50,391 131 92
    5 50,522 131 92
    6 50,653 132 92
    7 50,785 132 92
    8 50,917 132 93
    9 51,050 133 93
    10 51,182 133 93
    11 51,315 133 93
    12 51,449 134 94
    13 51,583 134 94
    14 51,717 134 94
    15 51,851 135 94
    16 51,986 135 95
    17 52,121 136 95
    18 52,257 136 95
    19 52,392 136 95
    20 52,529 137 96
    TOTAL $2,665 $1,866
  • 5
    LOCAL CD
    MIAMI
    0.75%
    -
    $50,000
    24 Month
    Credit Union
    1.14x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 6
    LOCAL CD
    First Community Bank of Hillsboro
    0.45%
    -
    $50,000
    18 Month
    Bank
    0.78x (National Avg. - 0.58%)
    $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
  • 7
    LOCAL CD
    Adams Bank & Trust
    0.70%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240
  • 8
    LOCAL CD
    Farmers State Bank
    0.40%
    -
    $50,000
    6 Month
    Bank
    0.98x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 9
    LOCAL CD
    WesBanco Bank, Inc.
    0.40%
    -
    $50,000
    24 Month
    Bank
    0.61x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 10
    LOCAL CD
    ASCENSION
    0.85%
    -
    $50,000
    12 Month
    Credit Union
    1.55x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 427 299
    2 50,427 430 301
    3 50,857 434 304
    4 51,290 438 306
    5 51,728 441 309
    6 52,169 445 312
    7 52,614 449 314
    8 53,063 453 317
    9 53,516 456 320
    10 53,972 460 322
    11 54,432 464 325
    12 54,897 468 328
    13 55,365 472 331
    14 55,837 476 333
    15 56,314 480 336
    16 56,794 484 339
    17 57,278 489 342
    18 57,767 493 345
    19 58,260 497 348
    20 58,757 501 351
    TOTAL $9,258 $6,481
  • 11
    LOCAL CD
    CHRISTIAN FINANCIAL
    0.65%
    -
    $50,000
    18 Month
    Credit Union
    1.12x (National Avg. - 0.58%)
    $10,000
     
    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
  • 12
    LOCAL CD
    SIDNEY
    0.95%
    -
    $50,000
    48 Month
    Credit Union
    1.16x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 475 333
    2 50,475 480 336
    3 50,955 484 339
    4 51,439 489 342
    5 51,927 493 345
    6 52,421 498 349
    7 52,919 503 352
    8 53,421 508 355
    9 53,929 512 359
    10 54,441 517 362
    11 54,958 522 365
    12 55,480 527 369
    13 56,007 532 372
    14 56,540 537 376
    15 57,077 542 380
    16 57,619 547 383
    17 58,166 553 387
    18 58,719 558 390
    19 59,277 563 394
    20 59,840 568 398
    TOTAL $10,408 $7,286
  • 13
    LOCAL CD
    The Fort Jennings State Bank
    0.25%
    -
    $50,000
    60 Month
    Bank
    0.27x (National Avg. - 0.92%)
    $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
  • 14
    LOCAL CD
    First National Bank & Trust Company of McAlester
    0.55%
    -
    $50,000
    60 Month
    Bank
    0.60x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 275 193
    2 50,275 277 194
    3 50,552 278 195
    4 50,830 280 196
    5 51,109 281 197
    6 51,390 283 198
    7 51,673 284 199
    8 51,957 286 200
    9 52,243 287 201
    10 52,530 289 202
    11 52,819 291 203
    12 53,110 292 204
    13 53,402 294 206
    14 53,695 295 207
    15 53,991 297 208
    16 54,288 299 209
    17 54,586 300 210
    18 54,886 302 211
    19 55,188 304 212
    20 55,492 305 214
    TOTAL $5,797 $4,058
  • 15
    LOCAL CD
    Summit Bank
    0.20%
    -
    $50,000
    18 Month
    Bank
    0.34x (National Avg. - 0.58%)
    $10,000
     
    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
  • 16
    LOCAL CD
    USSCO JOHNSTOWN
    0.95%
    -
    $50,000
    24 Month
    Credit Union
    1.44x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 475 333
    2 50,475 480 336
    3 50,955 484 339
    4 51,439 489 342
    5 51,927 493 345
    6 52,421 498 349
    7 52,919 503 352
    8 53,421 508 355
    9 53,929 512 359
    10 54,441 517 362
    11 54,958 522 365
    12 55,480 527 369
    13 56,007 532 372
    14 56,540 537 376
    15 57,077 542 380
    16 57,619 547 383
    17 58,166 553 387
    18 58,719 558 390
    19 59,277 563 394
    20 59,840 568 398
    TOTAL $10,408 $7,286
  • 17
    LOCAL MONEY MARKET
    Wilmington Savings Fund Society, FSB
    0.03%
    -
    $50,000
    N.A.
    Bank
    0.05x (National Avg. - 0.66%)
    $0
     
    SCENARIO
    Year Rate
    0.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 15 11
    2 50,015 15 11
    3 50,030 15 11
    4 50,045 15 11
    5 50,060 15 11
    6 50,075 15 11
    7 50,090 15 11
    8 50,105 15 11
    9 50,120 15 11
    10 50,135 15 11
    11 50,150 15 11
    12 50,165 15 11
    13 50,180 15 11
    14 50,195 15 11
    15 50,210 15 11
    16 50,225 15 11
    17 50,241 15 11
    18 50,256 15 11
    19 50,271 15 11
    20 50,286 15 11
    TOTAL $301 $211
  • 18
    LOCAL CD
    Texas Financial Bank
    0.20%
    -
    $50,000
    12 Month
    Bank
    0.36x (National Avg. - 0.55%)
    $100,000
     
    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
  • 19
    LOCAL CD
    HIWAY
    3.40%
    -
    $50,000
    36 Month
    Credit Union
    4.52x (National Avg. - 0.75%)
    $500
     
    SCENARIO
    Year Rate
    3.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,700 1,190
    2 51,700 1,758 1,230
    3 53,458 1,818 1,272
    4 55,275 1,879 1,316
    5 57,155 1,943 1,360
    6 59,098 2,009 1,407
    7 61,107 2,078 1,454
    8 63,185 2,148 1,504
    9 65,333 2,221 1,555
    10 67,555 2,297 1,608
    11 69,851 2,375 1,662
    12 72,226 2,456 1,719
    13 74,682 2,539 1,777
    14 77,221 2,626 1,838
    15 79,847 2,715 1,900
    16 82,562 2,807 1,965
    17 85,369 2,903 2,032
    18 88,271 3,001 2,101
    19 91,272 3,103 2,172
    20 94,376 3,209 2,246
    TOTAL $47,584 $33,309
  • 20
    LOCAL CD
    MAGNIFI FINANCIAL
    3.15%
    -
    $50,000
    60 Month
    Credit Union
    3.43x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    3.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,575 1,103
    2 51,575 1,625 1,137
    3 53,200 1,676 1,173
    4 54,875 1,729 1,210
    5 56,604 1,783 1,248
    6 58,387 1,839 1,287
    7 60,226 1,897 1,328
    8 62,123 1,957 1,370
    9 64,080 2,019 1,413
    10 66,099 2,082 1,457
    11 68,181 2,148 1,503
    12 70,329 2,215 1,551
    13 72,544 2,285 1,600
    14 74,829 2,357 1,650
    15 77,186 2,431 1,702
    16 79,617 2,508 1,756
    17 82,125 2,587 1,811
    18 84,712 2,668 1,868
    19 87,381 2,752 1,927
    20 90,133 2,839 1,987
    TOTAL $42,973 $30,081

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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

    Last change: ↑0.20% on January 18.

    Last change: ↓0.05% on April 30.
    6 Month Jumbo CD.

    Last change: ↑0.20% on April 9.

    Last change: ↓0.50% on February 25.

    Reddit

    Featured on:

    Copyright © 2025 BestCashCow.com, LLC. All Rights Reserved. Our Terms and Conditions. Privacy Policy + CCPA.

    Disclosure Governing Your Use of this Website | Advertising Disclosure

    Last Update on May 3, 2025

    This page was created in 0.0942 seconds.