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Comparison of Deposit Account from CNB Bank Direct with 3.46% - October 2026

Long-Term Analysis of CNB Bank Direct with 3.46% APY and KIRTLAND 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.

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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

ONLINE SAVINGS

CNB Bank Direct

3.46%

$50,000

N.A.

Online Bank

14.79x (National Avg. - 0.23%)

$100

SCENARIO

Year	Rate 3.46%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,730	1,211
2	51,730	1,790	1,253
3	53,520	1,852	1,296
4	55,372	1,916	1,341
5	57,288	1,982	1,388
6	59,270	2,051	1,436
7	61,320	2,122	1,485
8	63,442	2,195	1,537
9	65,637	2,271	1,590
10	67,908	2,350	1,645
11	70,258	2,431	1,702
12	72,689	2,515	1,761
13	75,204	2,602	1,821
14	77,806	2,692	1,884
15	80,498	2,785	1,950
16	83,283	2,882	2,017
17	86,165	2,981	2,087
18	89,146	3,084	2,159
19	92,230	3,191	2,234
20	95,422	3,302	2,311
	TOTAL	$48,723	$34,106

LOCAL CD

KIRTLAND

0.90%

$50,000

12 Month

Credit Union

1.63x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual 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^?
North American Savings Bank, F.S.B.	4.70%	$100,000	Learn More on the North American Savings Bank, F.S.B. website
Decide once. Earn for a year. A full year of predictable earnings with our 12-Month Jumbo CD. 12-Month
Popular Direct	5.00%	$10,000	Learn More
Last change: ↑0.05% on October 8. Early Withdrawal Penalty is 730 days interest.
Popular Direct	4.95%	$10,000	Learn More
Last change: ↑0.10% on October 8. Early Withdrawal Penalty is 365 days interest.
BTG Pactual Bank, National Association	4.85%	$500	Learn More
Last change: ↑0.81% on April 27.
BTG Pactual Bank, National Association	4.85%	$500	Learn More
Last change: ↑0.80% on April 27. Early Withdrawal Penalty is 90 days interest.

Compare Savings vs. CDs Comparison of Deposit Account from CNB Bank Direct with 3.46% - October 2026

Long-Term Analysis of CNB Bank Direct with 3.46% APY and KIRTLAND with 0.90% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from CNB Bank Direct with 3.46% - October 2026