Compare Savings vs. CDs
Comparison of Deposit Account from Bank of the West with 0.08%
- October 2026
Long-Term Analysis of Bank of the West with 0.08% APY and Bremer Bank, National Association with 2.75% APY and Bremer Bank, National Association with 2.50% APY and Bank of the West with 0.40% APY and Bremer Bank, National Association with 2.00% 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 MONEY MARKET0.08%-$50,000N.A.BankN.A.$25,000SCENARIO
Year Rate
0.08%Annual
InterestAnnual Interest
(After Tax)1 50,000 40 28 2 50,040 40 28 3 50,080 40 28 4 50,120 40 28 5 50,160 40 28 6 50,200 40 28 7 50,240 40 28 8 50,281 40 28 9 50,321 40 28 10 50,361 40 28 11 50,401 40 28 12 50,442 40 28 13 50,482 40 28 14 50,523 40 28 15 50,563 40 28 16 50,603 40 28 17 50,644 41 28 18 50,684 41 28 19 50,725 41 28 20 50,765 41 28 TOTAL $806 $564 - 2LOCAL CD2.75%-$50,00060 MonthBank2.96x (National Avg. - 0.93%)$25,000SCENARIO
Year Rate
2.75%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,375 963 2 51,375 1,413 989 3 52,788 1,452 1,016 4 54,239 1,492 1,044 5 55,731 1,533 1,073 6 57,264 1,575 1,102 7 58,838 1,618 1,133 8 60,456 1,663 1,164 9 62,119 1,708 1,196 10 63,827 1,755 1,229 11 65,583 1,804 1,262 12 67,386 1,853 1,297 13 69,239 1,904 1,333 14 71,143 1,956 1,370 15 73,100 2,010 1,407 16 75,110 2,066 1,446 17 77,175 2,122 1,486 18 79,298 2,181 1,526 19 81,478 2,241 1,568 20 83,719 2,302 1,612 TOTAL $36,021 $25,215 - 3LOCAL CD2.50%-$50,00060 MonthBank2.69x (National Avg. - 0.93%)$10,000SCENARIO
Year Rate
2.50%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,250 875 2 51,250 1,281 897 3 52,531 1,313 919 4 53,845 1,346 942 5 55,191 1,380 966 6 56,570 1,414 990 7 57,985 1,450 1,015 8 59,434 1,486 1,040 9 60,920 1,523 1,066 10 62,443 1,561 1,093 11 64,004 1,600 1,120 12 65,604 1,640 1,148 13 67,244 1,681 1,177 14 68,926 1,723 1,206 15 70,649 1,766 1,236 16 72,415 1,810 1,267 17 74,225 1,856 1,299 18 76,081 1,902 1,331 19 77,983 1,950 1,365 20 79,933 1,998 1,399 TOTAL $31,931 $22,352 - 4LOCAL CD0.40%-$50,00060 MonthBank0.43x (National Avg. - 0.93%)$10,000SCENARIO
Year Rate
0.40%Annual
InterestAnnual 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 - 5LOCAL CD2.00%-$50,00012 MonthBank3.62x (National Avg. - 0.55%)$10,000SCENARIO
Year Rate
2.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,000 700 2 51,000 1,020 714 3 52,020 1,040 728 4 53,060 1,061 743 5 54,122 1,082 758 6 55,204 1,104 773 7 56,308 1,126 788 8 57,434 1,149 804 9 58,583 1,172 820 10 59,755 1,195 837 11 60,950 1,219 853 12 62,169 1,243 870 13 63,412 1,268 888 14 64,680 1,294 906 15 65,974 1,319 924 16 67,293 1,346 942 17 68,639 1,373 961 18 70,012 1,400 980 19 71,412 1,428 1,000 20 72,841 1,457 1,020 TOTAL $24,297 $17,008
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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4.95% |
$10,000 |
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4.80% |
$10,000 |
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4.70% |
$500 |
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Last change: ↑0.66% on April 27. |
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