Compare Savings vs. CDs
Comparison of Deposit Account from Centennial Bank with 0.55%
- October 2026
Long-Term Analysis of Centennial Bank with 0.55% APY and JEFFERSON FINANCIAL with 1.31% APY and JERSEY SHORE with 0.40% APY and RIO GRANDE with 1.36% APY and First Exchange Bank with 1.00% 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 CD0.55%-$50,00060 MonthBank0.59x (National Avg. - 0.93%)$100,000SCENARIO
Year Rate
0.55%Annual
InterestAnnual Interest
(After Tax)1 50,000 276 193 2 50,276 277 194 3 50,553 279 195 4 50,831 280 196 5 51,111 282 197 6 51,393 283 198 7 51,676 285 199 8 51,961 286 200 9 52,247 288 202 10 52,535 289 203 11 52,824 291 204 12 53,115 293 205 13 53,408 294 206 14 53,702 296 207 15 53,998 298 208 16 54,296 299 209 17 54,595 301 211 18 54,896 302 212 19 55,198 304 213 20 55,502 306 214 TOTAL $5,808 $4,066 - 2LOCAL CD1.31%-$50,00036 MonthCredit Union1.73x (National Avg. - 0.76%)$100,000SCENARIO
Year Rate
1.31%Annual
InterestAnnual Interest
(After Tax)1 50,000 655 459 2 50,655 664 465 3 51,319 672 471 4 51,991 681 477 5 52,672 690 483 6 53,362 699 489 7 54,061 708 496 8 54,769 717 502 9 55,487 727 509 10 56,214 736 515 11 56,950 746 522 12 57,696 756 529 13 58,452 766 536 14 59,218 776 543 15 59,993 786 550 16 60,779 796 557 17 61,575 807 565 18 62,382 817 572 19 63,199 828 580 20 64,027 839 587 TOTAL $14,866 $10,406 - 3LOCAL CD0.40%-$50,00024 MonthCredit Union0.60x (National Avg. - 0.66%)$10,000SCENARIO
Year Rate
0.40%Annual
InterestAnnual Interest
(After Tax)1 50,000 200 140 2 50,200 201 141 3 50,401 202 141 4 50,602 202 142 5 50,805 203 142 6 51,008 204 143 7 51,212 205 143 8 51,417 206 144 9 51,623 206 145 10 51,829 207 145 11 52,036 208 146 12 52,245 209 146 13 52,454 210 147 14 52,663 211 147 15 52,874 211 148 16 53,085 212 149 17 53,298 213 149 18 53,511 214 150 19 53,725 215 150 20 53,940 216 151 TOTAL $4,156 $2,909 - 4LOCAL CD1.36%-$50,00048 MonthCredit Union1.65x (National Avg. - 0.82%)$100,000SCENARIO
Year Rate
1.36%Annual
InterestAnnual Interest
(After Tax)1 50,000 680 476 2 50,680 689 482 3 51,369 699 489 4 52,068 708 496 5 52,776 718 502 6 53,494 728 509 7 54,221 737 516 8 54,959 747 523 9 55,706 758 530 10 56,464 768 538 11 57,232 778 545 12 58,010 789 552 13 58,799 800 560 14 59,599 811 567 15 60,409 822 575 16 61,231 833 583 17 62,063 844 591 18 62,907 856 599 19 63,763 867 607 20 64,630 879 615 TOTAL $15,509 $10,856 - 5LOCAL CD1.00%-$50,00060 MonthBank1.08x (National Avg. - 0.93%)$100,000SCENARIO
Year Rate
1.00%Annual
InterestAnnual 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
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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4.95% |
$10,000 |
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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 |
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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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