Compare Savings vs. CDs
Comparison of Deposit Account from Bank of Easton with 4.50% - June 2025


Long-Term Analysis of Frontier Bank with 0.53% APY and Bank of Easton with 4.50% APY and FIRST FINANCIAL with 0.90% 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
    0.53%
    -
    $50,000
    18 Month
    Bank
    0.90x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.53%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 263 184
    2 50,263 264 185
    3 50,526 265 186
    4 50,792 267 187
    5 51,058 268 188
    6 51,326 269 189
    7 51,596 271 190
    8 51,867 272 191
    9 52,139 274 192
    10 52,413 275 193
    11 52,688 277 194
    12 52,965 278 195
    13 53,243 280 196
    14 53,522 281 197
    15 53,803 282 198
    16 54,086 284 199
    17 54,369 285 200
    18 54,655 287 201
    19 54,942 288 202
    20 55,230 290 203
    TOTAL $5,520 $3,864
  • 2
    LOCAL CD
    4.50%
    -
    $50,000
    6 Month
    Bank
    11.00x (National Avg. - 0.41%)
    $2,500
     
    SCENARIO
    Year Rate
    4.50%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,250 1,575
    2 52,250 2,351 1,646
    3 54,601 2,457 1,720
    4 57,058 2,568 1,797
    5 59,626 2,683 1,878
    6 62,309 2,804 1,963
    7 65,113 2,930 2,051
    8 68,043 3,062 2,143
    9 71,105 3,200 2,240
    10 74,305 3,344 2,341
    11 77,648 3,494 2,446
    12 81,143 3,651 2,556
    13 84,794 3,816 2,671
    14 88,610 3,987 2,791
    15 92,597 4,167 2,917
    16 96,764 4,354 3,048
    17 101,119 4,550 3,185
    18 105,669 4,755 3,329
    19 110,424 4,969 3,478
    20 115,393 5,193 3,635
    TOTAL $70,586 $49,410
  • 3
    LOCAL CD
    0.90%
    -
    $50,000
    36 Month
    Credit Union
    1.19x (National Avg. - 0.75%)
    $1,000
     
    SCENARIO
    Year Rate
    0.90%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869

    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: ↑0.20% on April 9.

    Last change: ↑0.34% on May 27.
    Warning: Early Withdrawal Penalty is 180 days interest.

    Last change: ↑0.26% on April 9.
    Early Withdrawal Penalty is 6 months interest.