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Comparison of Deposit Account from Better Banks with 3.52% - January 2026

Long-Term Analysis of Morton Community Bank with 3.95% APY and Waterman Bank with 5.01% APY and Waterman Bank with 4.25% APY and Better Banks with 3.52% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

Morton Community Bank

3.95%

$50,000

7 Month

Bank

N.A.

$100,000

SCENARIO

Year	Rate 3.95%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,975	1,383
2	51,975	2,053	1,437
3	54,028	2,134	1,494
4	56,162	2,218	1,553
5	58,381	2,306	1,614
6	60,687	2,397	1,678
7	63,084	2,492	1,744
8	65,575	2,590	1,813
9	68,166	2,693	1,885
10	70,858	2,799	1,959
11	73,657	2,909	2,037
12	76,567	3,024	2,117
13	79,591	3,144	2,201
14	82,735	3,268	2,288
15	86,003	3,397	2,378
16	89,400	3,531	2,472
17	92,931	3,671	2,570
18	96,602	3,816	2,671
19	100,418	3,967	2,777
20	104,384	4,123	2,886
	TOTAL	$58,508	$40,955

LOCAL CD

Waterman Bank

5.01%

$50,000

13 Month

Bank

N.A.

SCENARIO

Year	Rate 5.01%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,505	1,754
2	52,505	2,631	1,841
3	55,136	2,762	1,934
4	57,898	2,901	2,030
5	60,798	3,046	2,132
6	63,844	3,199	2,239
7	67,043	3,359	2,351
8	70,402	3,527	2,469
9	73,929	3,704	2,593
10	77,633	3,889	2,723
11	81,522	4,084	2,859
12	85,607	4,289	3,002
13	89,895	4,504	3,153
14	94,399	4,729	3,311
15	99,129	4,966	3,476
16	104,095	5,215	3,651
17	109,310	5,476	3,834
18	114,787	5,751	4,026
19	120,537	6,039	4,227
20	126,576	6,341	4,439
	TOTAL	$82,918	$58,042

LOCAL CD

Waterman Bank

4.25%

$50,000

19 Month

Bank

N.A.

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

LOCAL CD

Better Banks

3.52%

$50,000

8 Month

Bank

N.A.

$1,000

SCENARIO

Year	Rate 3.52%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,760	1,232
2	51,760	1,822	1,275
3	53,582	1,886	1,320
4	55,468	1,952	1,367
5	57,421	2,021	1,415
6	59,442	2,092	1,465
7	61,534	2,166	1,516
8	63,700	2,242	1,570
9	65,942	2,321	1,625
10	68,263	2,403	1,682
11	70,666	2,487	1,741
12	73,154	2,575	1,803
13	75,729	2,666	1,866
14	78,394	2,759	1,932
15	81,154	2,857	2,000
16	84,011	2,957	2,070
17	86,968	3,061	2,143
18	90,029	3,169	2,218
19	93,198	3,281	2,296
20	96,479	3,396	2,377
	TOTAL	$49,875	$34,912

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Finworth, a division of InsBank	4.20%	$50,000	Learn More
Last change: ↑0.20% on December 7, 2025. Early Withdrawal Penalty is 6 months interest.
Northern Bank Direct	4.15%	$500	Learn More
Last change: ↑0.15% on December 22, 2025.
Limelight Bank, A division of Capital Community Bank	4.10%	$1,000	Learn More
Sallie Mae Bank	4.10%	$2,500	Learn More
Last change: ↑0.20% on December 7, 2025.
Synchrony Bank	4.10%	$0	Learn More
Last change: ↑0.10% on November 3, 2025. Early Withdrawal Penalty is 90 days interest.

Compare Savings vs. CDs Comparison of Deposit Account from Better Banks with 3.52% - January 2026

Long-Term Analysis of Morton Community Bank with 3.95% APY and Waterman Bank with 5.01% APY and Waterman Bank with 4.25% APY and Better Banks with 3.52% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Better Banks with 3.52% - January 2026