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Comparison of Deposit Account from CENCAP with 0.45% - September 2026


Long-Term Analysis of CENCAP with 0.45% APY and CENCAP with 0.45% APY and DADE COUNTY with 0.50% APY and STATEWIDE with 0.25% APY and STATEWIDE with 0.25% APY and STATEWIDE with 0.10% APY and FERGUSON with 1.25% APY and FERGUSON with 1.36% APY and FERGUSON with 1.40% 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 MONEY MARKET
    CENCAP
    0.45%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $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
  • 2
    LOCAL MONEY MARKET
    CENCAP
    0.45%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $2,500
     
    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
  • 3
    LOCAL CD
    DADE COUNTY
    0.50%
    -
    $50,000
    6 Month
    Credit Union
    1.24x (National Avg. - 0.40%)
    $10,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 4
    LOCAL CD
    STATEWIDE
    0.25%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $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
  • 5
    LOCAL CD
    STATEWIDE
    0.25%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $100,000
     
    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
  • 6
    LOCAL MONEY MARKET
    STATEWIDE
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $25,000
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 7
    LOCAL CD
    FERGUSON
    1.25%
    -
    $50,000
    24 Month
    Credit Union
    1.88x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    1.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 624 436
    2 50,624 631 442
    3 51,255 639 447
    4 51,894 647 453
    5 52,541 655 459
    6 53,196 663 464
    7 53,860 672 470
    8 54,531 680 476
    9 55,211 688 482
    10 55,900 697 488
    11 56,597 706 494
    12 57,303 715 500
    13 58,017 723 506
    14 58,741 732 513
    15 59,473 742 519
    16 60,215 751 526
    17 60,966 760 532
    18 61,726 770 539
    19 62,496 779 546
    20 63,275 789 552
    TOTAL $14,064 $9,845
  • 8
    LOCAL CD
    FERGUSON
    1.36%
    -
    $50,000
    36 Month
    Credit Union
    1.79x (National Avg. - 0.76%)
    $100,000
     
    SCENARIO
    Year Rate
    1.36%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 679 475
    2 50,679 688 482
    3 51,367 698 488
    4 52,065 707 495
    5 52,772 717 502
    6 53,488 726 508
    7 54,215 736 515
    8 54,951 746 522
    9 55,697 756 529
    10 56,454 767 537
    11 57,220 777 544
    12 57,997 788 551
    13 58,785 798 559
    14 59,583 809 566
    15 60,392 820 574
    16 61,213 831 582
    17 62,044 843 590
    18 62,886 854 598
    19 63,740 866 606
    20 64,606 877 614
    TOTAL $15,483 $10,838
  • 9
    LOCAL CD
    FERGUSON
    1.40%
    -
    $50,000
    48 Month
    Credit Union
    1.70x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 699 489
    2 50,699 709 496
    3 51,408 719 503
    4 52,126 729 510
    5 52,855 739 517
    6 53,594 749 524
    7 54,343 760 532
    8 55,103 770 539
    9 55,873 781 547
    10 56,655 792 554
    11 57,447 803 562
    12 58,250 814 570
    13 59,064 826 578
    14 59,890 837 586
    15 60,727 849 594
    16 61,576 861 603
    17 62,437 873 611
    18 63,310 885 620
    19 64,195 897 628
    20 65,092 910 637
    TOTAL $16,002 $11,201

    All calculations are for demonstration purposes only.

    Featured CD Rates

    Advertiser Disclosure
    ONLINE BANKS APY? MIN?

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    12-Month

    Last change: ↑0.35% on September 25.

    Last change: ↑0.45% on April 27.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↑0.43% on April 27.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↑0.10% on September 25.

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