Compare Savings vs. CDs
Comparison of Deposit Account from Charles Schwab Bank, SSB with 3.57% - December 2025


Long-Term Analysis of Charles Schwab Bank, SSB with 3.57% 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
    ONLINE CD
    3.57%
    -
    $50,000
    9 Month
    Bank
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    3.57%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,785 1,250
    2 51,785 1,849 1,294
    3 53,634 1,915 1,340
    4 55,548 1,983 1,388
    5 57,532 2,054 1,438
    6 59,585 2,127 1,489
    7 61,713 2,203 1,542
    8 63,916 2,282 1,597
    9 66,198 2,363 1,654
    10 68,561 2,448 1,713
    11 71,008 2,535 1,775
    12 73,543 2,625 1,838
    13 76,169 2,719 1,903
    14 78,888 2,816 1,971
    15 81,704 2,917 2,042
    16 84,621 3,021 2,115
    17 87,642 3,129 2,190
    18 90,771 3,241 2,268
    19 94,012 3,356 2,349
    20 97,368 3,476 2,433
    TOTAL $50,844 $35,591

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↑0.15% on December 22.

    Last change: ↑0.20% on December 7.

    Last change: ↑0.10% on November 3.
    Early Withdrawal Penalty is 90 days interest.