• Home
  • Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from Beal Bank USA with 4.25% - August 2025


Long-Term Analysis of ALABAMA RURAL ELECTRIC with 1.61% APY and Citizens State Bank Norwood Young America with 0.65% APY and BankTennessee with 0.60% APY and Beal Bank USA with 4.25% 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
    ALABAMA RURAL ELECTRIC
    1.61%
    -
    $50,000
    60 Month
    Credit Union
    1.75x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.61%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 805 564
    2 50,805 818 573
    3 51,623 831 582
    4 52,454 845 591
    5 53,299 858 601
    6 54,157 872 610
    7 55,029 886 620
    8 55,915 900 630
    9 56,815 915 640
    10 57,730 929 651
    11 58,659 944 661
    12 59,603 960 672
    13 60,563 975 683
    14 61,538 991 694
    15 62,529 1,007 705
    16 63,536 1,023 716
    17 64,558 1,039 728
    18 65,598 1,056 739
    19 66,654 1,073 751
    20 67,727 1,090 763
    TOTAL $18,818 $13,172
  • 2
    LOCAL CD
    Citizens State Bank Norwood Young America
    0.65%
    -
    $50,000
    48 Month
    Bank
    0.80x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842
  • 3
    LOCAL CD
    BankTennessee
    0.60%
    -
    $50,000
    12 Month
    Bank
    1.09x (National Avg. - 0.55%)
    $10,000
     
    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
  • 4
    LOCAL CD
    Beal Bank USA
    4.25%
    -
    $50,000
    3 Month
    Bank
    1.92x (National Avg. - 2.21%)
    $1,000
     
    SCENARIO
    Year Rate
    4.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,125 1,488
    2 52,125 2,215 1,551
    3 54,340 2,309 1,617
    4 56,650 2,408 1,685
    5 59,057 2,510 1,757
    6 61,567 2,617 1,832
    7 64,184 2,728 1,909
    8 66,912 2,844 1,991
    9 69,756 2,965 2,075
    10 72,720 3,091 2,163
    11 75,811 3,222 2,255
    12 79,033 3,359 2,351
    13 82,392 3,502 2,451
    14 85,893 3,650 2,555
    15 89,544 3,806 2,664
    16 93,349 3,967 2,777
    17 97,317 4,136 2,895
    18 101,453 4,312 3,018
    19 105,764 4,495 3,146
    20 110,259 4,686 3,280
    TOTAL $64,945 $45,462

    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: ↑0.10% on July 13.

    Last change: ↑0.40% on June 24.
    Early withdrawal penalty is 3 Months' Interest.

    Last change: ↓0.05% on August 2.
    7-Month CD.

    Reddit

    Featured on:

    Copyright © 2025 BestCashCow.com, LLC. All Rights Reserved. Our Terms and Conditions. Privacy Policy + CCPA.

    Disclosure Governing Your Use of this Website | Advertising Disclosure

    Last Update on August 2, 2025

    This page was created in 2.6109 seconds.