Compare Savings vs. CDs
Comparison of Deposit Account from CACL with 0.85%
- October 2026
Long-Term Analysis of ON TAP with 3.65% APY and US Alliance with 0.07% APY and ACADIA with 0.85% APY and CACL with 0.85% APY and TRI COUNTY AREA with 0.75% 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
- 1LOCAL CD3.65%-$50,0006 MonthCredit Union9.03x (National Avg. - 0.40%)$100,000SCENARIO
Year Rate
3.65%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,825 1,278 2 51,825 1,892 1,324 3 53,717 1,961 1,372 4 55,677 2,032 1,423 5 57,709 2,106 1,474 6 59,816 2,183 1,528 7 61,999 2,263 1,584 8 64,262 2,346 1,642 9 66,608 2,431 1,702 10 69,039 2,520 1,764 11 71,559 2,612 1,828 12 74,171 2,707 1,895 13 76,878 2,806 1,964 14 79,684 2,908 2,036 15 82,592 3,015 2,110 16 85,607 3,125 2,187 17 88,732 3,239 2,267 18 91,970 3,357 2,350 19 95,327 3,479 2,436 20 98,807 3,606 2,525 TOTAL $52,413 $36,689 - 2LOCAL MONEY MARKET0.07%-$50,000N.A.Credit Union0.17x (National Avg. - 0.40%)$2,000SCENARIO
Year Rate
0.07%Annual
InterestAnnual Interest
(After Tax)1 50,000 35 25 2 50,035 35 25 3 50,070 35 25 4 50,105 35 25 5 50,140 35 25 6 50,175 35 25 7 50,210 35 25 8 50,246 35 25 9 50,281 35 25 10 50,316 35 25 11 50,351 35 25 12 50,386 35 25 13 50,422 35 25 14 50,457 35 25 15 50,492 35 25 16 50,528 35 25 17 50,563 35 25 18 50,598 35 25 19 50,634 35 25 20 50,669 35 25 TOTAL $705 $493 - 3LOCAL CD0.85%-$50,00036 MonthCredit Union1.12x (National Avg. - 0.76%)$100,000SCENARIO
Year Rate
0.85%Annual
InterestAnnual Interest
(After Tax)1 50,000 425 298 2 50,425 429 300 3 50,854 432 303 4 51,286 436 305 5 51,722 440 308 6 52,161 443 310 7 52,605 447 313 8 53,052 451 316 9 53,503 455 318 10 53,958 459 321 11 54,416 463 324 12 54,879 466 327 13 55,345 470 329 14 55,816 474 332 15 56,290 478 335 16 56,769 483 338 17 57,251 487 341 18 57,738 491 344 19 58,229 495 346 20 58,724 499 349 TOTAL $9,223 $6,456 - 4LOCAL CD0.85%-$50,00036 MonthCredit Union1.12x (National Avg. - 0.76%)$10,000SCENARIO
Year Rate
0.85%Annual
InterestAnnual Interest
(After Tax)1 50,000 425 298 2 50,425 429 300 3 50,854 432 303 4 51,286 436 305 5 51,722 440 308 6 52,161 443 310 7 52,605 447 313 8 53,052 451 316 9 53,503 455 318 10 53,958 459 321 11 54,416 463 324 12 54,879 466 327 13 55,345 470 329 14 55,816 474 332 15 56,290 478 335 16 56,769 483 338 17 57,251 487 341 18 57,738 491 344 19 58,229 495 346 20 58,724 499 349 TOTAL $9,223 $6,456 - 5LOCAL CD0.75%-$50,00030 MonthCredit UnionN.A.$10,000SCENARIO
Year Rate
0.75%Annual
InterestAnnual 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
All calculations are for demonstration purposes only.
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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4.50% | $100,000 |
Learn More on the North American Savings Bank, F.S.B. website |
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Take your savings to the next level with our 12-month online CD special! 12-Month |
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4.95% |
$10,000 |
Learn More | |
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Last change: ↑0.45% on October 1. |
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4.85% |
$10,000 |
Learn More | |
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Last change: ↑0.35% on October 1. |
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4.80% |
$10,000 |
Learn More | |
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Last change: ↑0.30% on October 1. |
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4.65% |
$1,000 |
Learn More | |
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Last change: ↑0.35% on September 25. |
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