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Comparison of Deposit Account from BEEHIVE with 0.30% - December 2025

Long-Term Analysis of COMMUNITY RESOURCE with 1.40% APY and ALLIANT with 1.20% APY and BEEHIVE with 0.30% APY and SERVICE PLUS with 1.00% APY and MutualOne Bank with 0.55% APY and MID-ATLANTIC with 0.35% APY and ACADIA with 0.65% APY and U.P. STATE with 0.25% APY and WILDFIRE with 1.65% APY and HUDSON VALLEY with 3.75% APY and HAPO COMMUNITY with 0.25% APY and WAVE with 0.75% APY and CREDIT UNION OF TEXAS with 3.99% APY and Texas Regional Bank with 0.80% APY and Round Top State Bank with 0.45% APY and UNIVERSITY OF WISCONSIN with 3.30% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

COMMUNITY RESOURCE

1.40%

$50,000

60 Month

Credit Union

1.52x (National Avg. - 0.92%)

$100

SCENARIO

Year	Rate 1.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	700	490
2	50,700	710	497
3	51,410	720	504
4	52,130	730	511
5	52,859	740	518
6	53,599	750	525
7	54,350	761	533
8	55,111	772	540
9	55,882	782	548
10	56,665	793	555
11	57,458	804	563
12	58,262	816	571
13	59,078	827	579
14	59,905	839	587
15	60,744	850	595
16	61,594	862	604
17	62,456	874	612
18	63,331	887	621
19	64,217	899	629
20	65,117	912	638
	TOTAL	$16,028	$11,220

LOCAL CD

ALLIANT

1.20%

$50,000

60 Month

Credit Union

1.30x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	600	420
2	50,600	607	425
3	51,207	614	430
4	51,822	622	435
5	52,444	629	441
6	53,073	637	446
7	53,710	645	451
8	54,354	652	457
9	55,007	660	462
10	55,667	668	468
11	56,335	676	473
12	57,011	684	479
13	57,695	692	485
14	58,387	701	490
15	59,088	709	496
16	59,797	718	502
17	60,514	726	508
18	61,240	735	514
19	61,975	744	521
20	62,719	753	527
	TOTAL	$13,472	$9,430

LOCAL CD

BEEHIVE

0.30%

$50,000

6 Month

Credit Union

0.74x (National Avg. - 0.41%)

$10,000

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

LOCAL CD

SERVICE PLUS

1.00%

$50,000

30 Month

Credit Union

N.A.

$100,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

MutualOne Bank

0.55%

$50,000

48 Month

Bank

0.67x (National Avg. - 0.82%)

$500

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	275	193
2	50,275	277	194
3	50,552	278	195
4	50,830	280	196
5	51,109	281	197
6	51,390	283	198
7	51,673	284	199
8	51,957	286	200
9	52,243	287	201
10	52,530	289	202
11	52,819	291	203
12	53,110	292	204
13	53,402	294	206
14	53,695	295	207
15	53,991	297	208
16	54,288	299	209
17	54,586	300	210
18	54,886	302	211
19	55,188	304	212
20	55,492	305	214
	TOTAL	$5,797	$4,058

LOCAL CD

MID-ATLANTIC

0.35%

$50,000

24 Month

Credit Union

0.53x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	175	123
2	50,175	176	123
3	50,351	176	123
4	50,527	177	124
5	50,704	177	124
6	50,881	178	125
7	51,059	179	125
8	51,238	179	126
9	51,417	180	126
10	51,597	181	126
11	51,778	181	127
12	51,959	182	127
13	52,141	182	128
14	52,323	183	128
15	52,507	184	129
16	52,690	184	129
17	52,875	185	130
18	53,060	186	130
19	53,245	186	130
20	53,432	187	131
	TOTAL	$3,619	$2,533

LOCAL CD

ACADIA

0.65%

$50,000

18 Month

Credit Union

1.12x (National Avg. - 0.58%)

$100,000

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

LOCAL CD

U.P. STATE

0.25%

$50,000

6 Month

Credit Union

0.62x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

WILDFIRE

1.65%

$50,000

60 Month

Credit Union

1.79x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 1.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	825	578
2	50,825	839	587
3	51,664	852	597
4	52,516	867	607
5	53,383	881	617
6	54,263	895	627
7	55,159	910	637
8	56,069	925	648
9	56,994	940	658
10	57,934	956	669
11	58,890	972	680
12	59,862	988	691
13	60,850	1,004	703
14	61,854	1,021	714
15	62,874	1,037	726
16	63,912	1,055	738
17	64,966	1,072	750
18	66,038	1,090	763
19	67,128	1,108	775
20	68,235	1,126	788
	TOTAL	$19,361	$13,553

LOCAL CD

HUDSON VALLEY

3.75%

$50,000

60 Month

Credit Union

4.07x (National Avg. - 0.92%)

$500

SCENARIO

Year	Rate 3.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,875	1,313
2	51,875	1,945	1,362
3	53,820	2,018	1,413
4	55,839	2,094	1,466
5	57,933	2,172	1,521
6	60,105	2,254	1,578
7	62,359	2,338	1,637
8	64,697	2,426	1,698
9	67,124	2,517	1,762
10	69,641	2,612	1,828
11	72,252	2,709	1,897
12	74,962	2,811	1,968
13	77,773	2,916	2,042
14	80,689	3,026	2,118
15	83,715	3,139	2,198
16	86,854	3,257	2,280
17	90,111	3,379	2,365
18	93,491	3,506	2,454
19	96,996	3,637	2,546
20	100,634	3,774	2,642
	TOTAL	$54,408	$38,085

LOCAL CD

HAPO COMMUNITY

0.25%

$50,000

6 Month

Credit Union

0.62x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

WAVE

0.75%

$50,000

48 Month

Credit Union

0.92x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

CREDIT UNION OF TEXAS

3.99%

$50,000

18 Month

Credit Union

6.90x (National Avg. - 0.58%)

$1,000

SCENARIO

Year	Rate 3.99%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,995	1,397
2	51,995	2,075	1,452
3	54,070	2,157	1,510
4	56,227	2,243	1,570
5	58,470	2,333	1,633
6	60,803	2,426	1,698
7	63,229	2,523	1,766
8	65,752	2,624	1,836
9	68,376	2,728	1,910
10	71,104	2,837	1,986
11	73,941	2,950	2,065
12	76,891	3,068	2,148
13	79,959	3,190	2,233
14	83,150	3,318	2,322
15	86,467	3,450	2,415
16	89,917	3,588	2,511
17	93,505	3,731	2,612
18	97,236	3,880	2,716
19	101,116	4,035	2,824
20	105,150	4,195	2,937
	TOTAL	$59,346	$41,542

LOCAL CD

Texas Regional Bank

0.80%

$50,000

60 Month

Bank

0.87x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 0.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	400	280
2	50,400	403	282
3	50,803	406	284
4	51,210	410	287
5	51,619	413	289
6	52,032	416	291
7	52,449	420	294
8	52,868	423	296
9	53,291	426	298
10	53,717	430	301
11	54,147	433	303
12	54,580	437	306
13	55,017	440	308
14	55,457	444	311
15	55,901	447	313
16	56,348	451	316
17	56,799	454	318
18	57,253	458	321
19	57,711	462	323
20	58,173	465	326
	TOTAL	$8,638	$6,047

LOCAL CD

Round Top State Bank

0.45%

$50,000

6 Month

Bank

1.11x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	225	158
2	50,225	226	158
3	50,451	227	159
4	50,678	228	160
5	50,906	229	160
6	51,135	230	161
7	51,365	231	162
8	51,596	232	163
9	51,829	233	163
10	52,062	234	164
11	52,296	235	165
12	52,531	236	165
13	52,768	237	166
14	53,005	239	167
15	53,244	240	168
16	53,483	241	168
17	53,724	242	169
18	53,966	243	170
19	54,209	244	171
20	54,453	245	172
	TOTAL	$4,698	$3,288

LOCAL CD

UNIVERSITY OF WISCONSIN

3.30%

$50,000

18 Month

Credit Union

5.71x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 3.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,650	1,155
2	51,650	1,704	1,193
3	53,354	1,761	1,232
4	55,115	1,819	1,273
5	56,934	1,879	1,315
6	58,813	1,941	1,359
7	60,754	2,005	1,403
8	62,758	2,071	1,450
9	64,829	2,139	1,498
10	66,969	2,210	1,547
11	69,179	2,283	1,598
12	71,462	2,358	1,651
13	73,820	2,436	1,705
14	76,256	2,516	1,762
15	78,772	2,599	1,820
16	81,372	2,685	1,880
17	84,057	2,774	1,942
18	86,831	2,865	2,006
19	89,697	2,960	2,072
20	92,657	3,058	2,140
	TOTAL	$45,714	$32,000

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.
Finworth, a division of InsBank	4.20%	$50,000	Learn More
Last change: ↑0.20% on December 7. Early Withdrawal Penalty is 6 months interest.
Limelight Bank, A division of Capital Community Bank	4.20%	$1,000	Learn More
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Limelight Bank, A division of Capital Community Bank	4.15%	$1,000	Learn More
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Total Bank, a division of City National Bank of Florida	4.10%	$25,000	Learn More
Last change: ↓0.15% on November 26.

Compare Savings vs. CDs Comparison of Deposit Account from BEEHIVE with 0.30% - December 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from BEEHIVE with 0.30% - December 2025