Compare Savings vs. CDs
Comparison of Deposit Account from Bank of Hillsboro, National Association with 0.70% - June 2025


Long-Term Analysis of American Bank, National Association with 0.60% APY and Bank of Hillsboro, National Association with 0.70% APY and Southwestern National Bank with 0.58% 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
    0.60%
    -
    $50,000
    6 Month
    Bank
    1.47x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.60%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 2
    LOCAL CD
    0.70%
    -
    $50,000
    18 Month
    Bank
    1.20x (National Avg. - 0.58%)
    $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
  • 3
    LOCAL CD
    0.58%
    -
    $50,000
    12 Month
    Bank
    1.04x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.58%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 288 201
    2 50,288 289 202
    3 50,577 291 204
    4 50,867 292 205
    5 51,160 294 206
    6 51,454 296 207
    7 51,750 298 208
    8 52,048 299 209
    9 52,347 301 211
    10 52,648 303 212
    11 52,951 304 213
    12 53,255 306 214
    13 53,561 308 216
    14 53,869 310 217
    15 54,179 312 218
    16 54,490 313 219
    17 54,804 315 221
    18 55,119 317 222
    19 55,436 319 223
    20 55,755 321 224
    TOTAL $6,075 $4,253

    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.