Compare Savings vs. CDs
Comparison of Deposit Account from BAY with 0.61% - November 2025


Long-Term Analysis of BAY with 0.61% APY and BOEING EMPLOYEES with 2.32% 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
    0.61%
    -
    $50,000
    48 Month
    Credit Union
    0.74x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.61%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 305 214
    2 50,305 307 215
    3 50,612 309 216
    4 50,921 311 217
    5 51,231 313 219
    6 51,544 314 220
    7 51,858 316 221
    8 52,174 318 223
    9 52,493 320 224
    10 52,813 322 226
    11 53,135 324 227
    12 53,459 326 228
    13 53,785 328 230
    14 54,113 330 231
    15 54,444 332 232
    16 54,776 334 234
    17 55,110 336 235
    18 55,446 338 237
    19 55,784 340 238
    20 56,124 342 240
    TOTAL $6,467 $4,527
  • 2
    LOCAL MONEY MARKET
    2.32%
    -
    $50,000
    N.A.
    Credit Union
    2.83x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    2.32%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,160 812
    2 51,160 1,187 831
    3 52,347 1,214 850
    4 53,561 1,243 870
    5 54,804 1,271 890
    6 56,075 1,301 911
    7 57,376 1,331 932
    8 58,708 1,362 953
    9 60,070 1,394 976
    10 61,463 1,426 998
    11 62,889 1,459 1,021
    12 64,348 1,493 1,045
    13 65,841 1,528 1,069
    14 67,369 1,563 1,094
    15 68,931 1,599 1,119
    16 70,531 1,636 1,145
    17 72,167 1,674 1,172
    18 73,841 1,713 1,199
    19 75,554 1,753 1,227
    20 77,307 1,794 1,255
    TOTAL $29,101 $20,371

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↓0.10% on October 13.

    Last change: ↓0.15% on October 13.