Home
Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from Centera Bank with 2.31% - June 2025

Long-Term Analysis of CALIFORNIA COAST with 0.40% APY and Centera Bank with 2.31% APY and State Bank of Newburg with 1.00% APY and Poppy Bank with 4.00% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

CALIFORNIA COAST

0.40%

$50,000

12 Month

Credit Union

0.72x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual 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

LOCAL CD

Centera Bank

2.31%

$50,000

36 Month

Bank

3.06x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 2.31%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,155	809
2	51,155	1,182	827
3	52,337	1,209	846
4	53,546	1,237	866
5	54,783	1,265	886
6	56,048	1,295	906
7	57,343	1,325	927
8	58,667	1,355	949
9	60,023	1,387	971
10	61,409	1,419	993
11	62,828	1,451	1,016
12	64,279	1,485	1,039
13	65,764	1,519	1,063
14	67,283	1,554	1,088
15	68,837	1,590	1,113
16	70,427	1,627	1,139
17	72,054	1,664	1,165
18	73,719	1,703	1,192
19	75,422	1,742	1,220
20	77,164	1,782	1,248
	TOTAL	$28,946	$20,262

LOCAL CD

State Bank of Newburg

1.00%

$50,000

60 Month

Bank

1.09x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual 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

LOCAL CD

Poppy Bank

4.00%

$50,000

9 Month

Bank

N.A.

$1,000

SCENARIO

Year	Rate 4.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,000	1,400
2	52,000	2,080	1,456
3	54,080	2,163	1,514
4	56,243	2,250	1,575
5	58,493	2,340	1,638
6	60,833	2,433	1,703
7	63,266	2,531	1,771
8	65,797	2,632	1,842
9	68,428	2,737	1,916
10	71,166	2,847	1,993
11	74,012	2,960	2,072
12	76,973	3,079	2,155
13	80,052	3,202	2,241
14	83,254	3,330	2,331
15	86,584	3,463	2,424
16	90,047	3,602	2,521
17	93,649	3,746	2,622
18	97,395	3,896	2,727
19	101,291	4,052	2,836
20	105,342	4,214	2,950
	TOTAL	$59,556	$41,689

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
First Internet Bank of Indiana	4.49%	$1,000	Learn More
Last change: ↑0.34% on May 27. Warning: Early Withdrawal Penalty is 180 days interest.
Finworth, a division of InsBank	4.46%	$50,000	Learn More
Last change: ↑0.26% on April 9. Early Withdrawal Penalty is 6 months interest.

Compare Savings vs. CDs Comparison of Deposit Account from Centera Bank with 2.31% - June 2025

Long-Term Analysis of CALIFORNIA COAST with 0.40% APY and Centera Bank with 2.31% APY and State Bank of Newburg with 1.00% APY and Poppy Bank with 4.00% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Centera Bank with 2.31% - June 2025