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Comparison of Deposit Account from CITY & POLICE with 0.99% - October 2026


Long-Term Analysis of CITY & POLICE with 0.99% APY and CITY & POLICE with 1.20% APY and ACHIEVA CREDIT UNION with 1.15% APY and ACHIEVA CREDIT UNION with 1.60% 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
    LOCAL CD
    CITY & POLICE
    0.99%
    -
    $50,000
    24 Month
    Credit Union
    1.49x (National Avg. - 0.67%)
    $100,000
     
    SCENARIO
    Year Rate
    0.99%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 495 347
    2 50,495 500 350
    3 50,995 505 353
    4 51,500 510 357
    5 52,010 515 360
    6 52,524 520 364
    7 53,044 525 368
    8 53,570 530 371
    9 54,100 536 375
    10 54,636 541 379
    11 55,176 546 382
    12 55,723 552 386
    13 56,274 557 390
    14 56,831 563 394
    15 57,394 568 398
    16 57,962 574 402
    17 58,536 580 406
    18 59,116 585 410
    19 59,701 591 414
    20 60,292 597 418
    TOTAL $10,889 $7,622
  • 2
    LOCAL CD
    CITY & POLICE
    1.20%
    -
    $50,000
    48 Month
    Credit Union
    1.46x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 600 420
    2 50,600 607 425
    3 51,207 614 430
    4 51,822 622 435
    5 52,444 629 441
    6 53,073 637 446
    7 53,710 645 451
    8 54,354 652 457
    9 55,007 660 462
    10 55,667 668 468
    11 56,335 676 473
    12 57,011 684 479
    13 57,695 692 485
    14 58,387 701 490
    15 59,088 709 496
    16 59,797 718 502
    17 60,514 726 508
    18 61,240 735 514
    19 61,975 744 521
    20 62,719 753 527
    TOTAL $13,472 $9,430
  • 3
    LOCAL SAVINGS
    ACHIEVA CREDIT UNION
    1.15%
    -
    $50,000
    N.A.
    Credit Union
    4.91x (National Avg. - 0.23%)
    $50,000
     
    SCENARIO
    Year Rate
    1.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 575 403
    2 50,575 582 407
    3 51,157 588 412
    4 51,745 595 417
    5 52,340 602 421
    6 52,942 609 426
    7 53,551 616 431
    8 54,167 623 436
    9 54,789 630 441
    10 55,420 637 446
    11 56,057 645 451
    12 56,702 652 456
    13 57,354 660 462
    14 58,013 667 467
    15 58,680 675 472
    16 59,355 683 478
    17 60,038 690 483
    18 60,728 698 489
    19 61,427 706 494
    20 62,133 715 500
    TOTAL $12,847 $8,993
  • 4
    LOCAL SAVINGS
    ACHIEVA CREDIT UNION
    1.60%
    -
    $50,000
    N.A.
    Credit Union
    6.84x (National Avg. - 0.23%)
    $100,000
     
    SCENARIO
    Year Rate
    1.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 800 560
    2 50,800 813 569
    3 51,613 826 578
    4 52,439 839 587
    5 53,278 852 597
    6 54,130 866 606
    7 54,996 880 616
    8 55,876 894 626
    9 56,770 908 636
    10 57,678 923 646
    11 58,601 938 656
    12 59,539 953 667
    13 60,492 968 678
    14 61,459 983 688
    15 62,443 999 699
    16 63,442 1,015 711
    17 64,457 1,031 722
    18 65,488 1,048 733
    19 66,536 1,065 745
    20 67,601 1,082 757
    TOTAL $18,682 $13,078

    All calculations are for demonstration purposes only.

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    ONLINE BANKS APY? MIN?

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    12-Month

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    Early Withdrawal Penalty is 365 days interest.

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