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Comparison of Deposit Account from Citizens Alliance Bank with 0.20% - June 2025


Long-Term Analysis of TIAA Bank / Everbank with 3.50% APY and SUN EAST with 4.60% APY and Citizens Alliance Bank with 0.20% APY and WESTEX with 0.88% APY and PEN AIR with 5.00% 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

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    ONLINE CD
    TIAA Bank / Everbank
    3.50%
    -
    $50,000
    36 Month
    Online Bank
    4.64x (National Avg. - 0.75%)
    $1,000
     
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643
  • 2
    LOCAL CD
    SUN EAST
    4.60%
    -
    $50,000
    12 Month
    Credit Union
    8.33x (National Avg. - 0.55%)
    $99,000
     
    SCENARIO
    Year Rate
    4.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,300 1,610
    2 52,300 2,406 1,684
    3 54,706 2,516 1,762
    4 57,222 2,632 1,843
    5 59,854 2,753 1,927
    6 62,608 2,880 2,016
    7 65,488 3,012 2,109
    8 68,500 3,151 2,206
    9 71,651 3,296 2,307
    10 74,947 3,448 2,413
    11 78,395 3,606 2,524
    12 82,001 3,772 2,640
    13 85,773 3,946 2,762
    14 89,718 4,127 2,889
    15 93,846 4,317 3,022
    16 98,162 4,515 3,161
    17 102,678 4,723 3,306
    18 107,401 4,940 3,458
    19 112,342 5,168 3,617
    20 117,509 5,405 3,784
    TOTAL $72,915 $51,040
  • 3
    LOCAL CD
    Citizens Alliance Bank
    0.20%
    -
    $50,000
    6 Month
    Bank
    0.49x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 4
    LOCAL CD
    WESTEX
    0.88%
    -
    $50,000
    6 Month
    Credit Union
    2.16x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.88%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 442 309
    2 50,442 446 312
    3 50,888 450 315
    4 51,338 454 318
    5 51,792 458 320
    6 52,249 462 323
    7 52,711 466 326
    8 53,177 470 329
    9 53,647 474 332
    10 54,122 478 335
    11 54,600 483 338
    12 55,083 487 341
    13 55,570 491 344
    14 56,061 496 347
    15 56,556 500 350
    16 57,056 504 353
    17 57,561 509 356
    18 58,070 513 359
    19 58,583 518 363
    20 59,101 522 366
    TOTAL $9,623 $6,736
  • 5
    LOCAL CD
    PEN AIR
    5.00%
    -
    $50,000
    3 Month
    Credit Union
    2.26x (National Avg. - 2.21%)
    $500
     
    SCENARIO
    Year Rate
    5.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,500 1,750
    2 52,500 2,625 1,838
    3 55,125 2,756 1,929
    4 57,881 2,894 2,026
    5 60,775 3,039 2,127
    6 63,814 3,191 2,233
    7 67,005 3,350 2,345
    8 70,355 3,518 2,462
    9 73,873 3,694 2,586
    10 77,566 3,878 2,715
    11 81,445 4,072 2,851
    12 85,517 4,276 2,993
    13 89,793 4,490 3,143
    14 94,282 4,714 3,300
    15 98,997 4,950 3,465
    16 103,946 5,197 3,638
    17 109,144 5,457 3,820
    18 114,601 5,730 4,011
    19 120,331 6,017 4,212
    20 126,348 6,317 4,422
    TOTAL $82,665 $57,865

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.06% on June 24.

    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.

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