Compare Savings vs. CDs
Comparison of Deposit Account from CITIZENS EQUITY FIRST with 3.15%
- October 2026
Long-Term Analysis of CARO with 1.10% APY and CITIZENS EQUITY FIRST with 2.80% APY and CITIZENS EQUITY FIRST with 3.15% APY and ALIVE with 0.97% APY and WASATCH PEAKS with 0.90% 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 CD1.10%-$50,00048 MonthCredit Union1.34x (National Avg. - 0.82%)$10,000SCENARIO
Year Rate
1.10%Annual
InterestAnnual Interest
(After Tax)1 50,000 550 385 2 50,550 556 389 3 51,106 562 394 4 51,668 568 398 5 52,237 575 402 6 52,811 581 407 7 53,392 587 411 8 53,979 594 416 9 54,573 600 420 10 55,173 607 425 11 55,780 614 430 12 56,394 620 434 13 57,014 627 439 14 57,641 634 444 15 58,276 641 449 16 58,917 648 454 17 59,565 655 459 18 60,220 662 464 19 60,882 670 469 20 61,552 677 474 TOTAL $12,229 $8,560 - 2LOCAL CD2.80%-$50,00012 MonthCredit Union5.08x (National Avg. - 0.55%)$1,000SCENARIO
Year Rate
2.80%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,400 980 2 51,400 1,439 1,007 3 52,839 1,479 1,036 4 54,319 1,521 1,065 5 55,840 1,564 1,094 6 57,403 1,607 1,125 7 59,010 1,652 1,157 8 60,663 1,699 1,189 9 62,361 1,746 1,222 10 64,107 1,795 1,257 11 65,902 1,845 1,292 12 67,748 1,897 1,328 13 69,645 1,950 1,365 14 71,595 2,005 1,403 15 73,599 2,061 1,443 16 75,660 2,118 1,483 17 77,779 2,178 1,524 18 79,956 2,239 1,567 19 82,195 2,301 1,611 20 84,497 2,366 1,656 TOTAL $36,862 $25,804 - 3LOCAL CD3.15%-$50,00036 MonthCredit Union4.15x (National Avg. - 0.76%)$1,000SCENARIO
Year Rate
3.15%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,575 1,103 2 51,575 1,625 1,137 3 53,200 1,676 1,173 4 54,875 1,729 1,210 5 56,604 1,783 1,248 6 58,387 1,839 1,287 7 60,226 1,897 1,328 8 62,123 1,957 1,370 9 64,080 2,019 1,413 10 66,099 2,082 1,457 11 68,181 2,148 1,503 12 70,329 2,215 1,551 13 72,544 2,285 1,600 14 74,829 2,357 1,650 15 77,186 2,431 1,702 16 79,617 2,508 1,756 17 82,125 2,587 1,811 18 84,712 2,668 1,868 19 87,381 2,752 1,927 20 90,133 2,839 1,987 TOTAL $42,973 $30,081 - 4LOCAL CD0.97%-$50,00030 MonthCredit UnionN.A.$10,000SCENARIO
Year Rate
0.97%Annual
InterestAnnual Interest
(After Tax)1 50,000 485 340 2 50,485 490 343 3 50,975 494 346 4 51,469 499 349 5 51,968 504 353 6 52,473 509 356 7 52,981 514 360 8 53,495 519 363 9 54,014 524 367 10 54,538 529 370 11 55,067 534 374 12 55,601 539 378 13 56,141 545 381 14 56,685 550 385 15 57,235 555 389 16 57,790 561 392 17 58,351 566 396 18 58,917 571 400 19 59,488 577 404 20 60,065 583 408 TOTAL $10,648 $7,454 - 5LOCAL CD0.90%-$50,00030 MonthCredit UnionN.A.$100,000SCENARIO
Year Rate
0.90%Annual
InterestAnnual Interest
(After Tax)1 50,000 450 315 2 50,450 454 318 3 50,904 458 321 4 51,362 462 324 5 51,824 466 326 6 52,291 471 329 7 52,761 475 332 8 53,236 479 335 9 53,715 483 338 10 54,199 488 341 11 54,687 492 345 12 55,179 497 348 13 55,675 501 351 14 56,177 506 354 15 56,682 510 357 16 57,192 515 360 17 57,707 519 364 18 58,226 524 367 19 58,750 529 370 20 59,279 534 373 TOTAL $9,813 $6,869
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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Take your savings to the next level with our 12-month online CD special! 12-Month |
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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 |
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Last change: ↑0.35% on October 1. |
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4.80% |
$10,000 |
Learn More | |
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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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