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Comparison of Deposit Account from Bay State Savings Bank with 0.20% - October 2026


Long-Term Analysis of Savers Co-operative Bank with 1.69% APY and Dean Co-operative Bank with 1.50% APY and The Savings Bank with 0.30% APY and Bay State Savings Bank with 0.20% 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
    Savers Co-operative Bank
    1.69%
    -
    $50,000
    48 Month
    Bank
    2.05x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    1.69%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 845 592
    2 50,845 859 601
    3 51,704 874 612
    4 52,578 889 622
    5 53,467 904 633
    6 54,370 919 643
    7 55,289 934 654
    8 56,223 950 665
    9 57,174 966 676
    10 58,140 983 688
    11 59,122 999 699
    12 60,122 1,016 711
    13 61,138 1,033 723
    14 62,171 1,051 735
    15 63,222 1,068 748
    16 64,290 1,087 761
    17 65,377 1,105 773
    18 66,481 1,124 786
    19 67,605 1,143 800
    20 68,747 1,162 813
    TOTAL $19,909 $13,937
  • 2
    LOCAL CD
    Dean Co-operative Bank
    1.50%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $500
     
    SCENARIO
    Year Rate
    1.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 750 525
    2 50,750 761 533
    3 51,511 773 541
    4 52,284 784 549
    5 53,068 796 557
    6 53,864 808 566
    7 54,672 820 574
    8 55,492 832 583
    9 56,325 845 591
    10 57,169 858 600
    11 58,027 870 609
    12 58,897 883 618
    13 59,781 897 628
    14 60,678 910 637
    15 61,588 924 647
    16 62,512 938 656
    17 63,449 952 666
    18 64,401 966 676
    19 65,367 981 686
    20 66,348 995 697
    TOTAL $17,343 $12,140
  • 3
    LOCAL CD
    The Savings Bank
    0.30%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 4
    LOCAL MONEY MARKET
    Bay State Savings Bank
    0.20%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $0
     
    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

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑0.05% on October 8.
    Early Withdrawal Penalty is 730 days interest.

    Last change: ↑0.10% on October 8.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.81% on April 27.

    Last change: ↑0.80% on April 27.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↑0.78% on April 27.
    Early Withdrawal Penalty is 90 days interest.

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