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Comparison of Deposit Account from CAPROCK with 1.31% - June 2025


Long-Term Analysis of DIAMOND with 0.65% APY and CAPROCK with 1.31% 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
    DIAMOND
    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
  • 2
    LOCAL CD
    CAPROCK
    1.31%
    -
    $50,000
    48 Month
    Credit Union
    1.60x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.31%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 654 457
    2 50,654 662 463
    3 51,316 671 469
    4 51,986 679 476
    5 52,666 688 482
    6 53,354 697 488
    7 54,051 706 495
    8 54,758 716 501
    9 55,474 725 508
    10 56,199 735 514
    11 56,933 744 521
    12 57,677 754 528
    13 58,431 764 535
    14 59,195 774 542
    15 59,968 784 549
    16 60,752 794 556
    17 61,546 804 563
    18 62,351 815 570
    19 63,166 826 578
    20 63,991 836 585
    TOTAL $14,827 $10,379

    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: ↑0.20% on April 9.

    Last change: ↑0.34% on May 27.
    Warning: Early Withdrawal Penalty is 180 days interest.

    Last change: ↑0.26% on April 9.
    Early Withdrawal Penalty is 6 months interest.

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    Last Update on June 14, 2025

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