Home
Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from COLORADO with 5.00% - June 2025

Long-Term Analysis of UNITED METHODIST with 0.95% APY and COLORADO with 5.00% APY and Farmers and Merchants Bank with 0.25% APY and WINGS FINANCIAL with 2.32% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

UNITED METHODIST

0.95%

$50,000

36 Month

Credit Union

1.26x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 0.95%	Annual Interest	Annual Interest (After Tax)
1	50,000	475	333
2	50,475	480	336
3	50,955	484	339
4	51,439	489	342
5	51,927	493	345
6	52,421	498	349
7	52,919	503	352
8	53,421	508	355
9	53,929	512	359
10	54,441	517	362
11	54,958	522	365
12	55,480	527	369
13	56,007	532	372
14	56,540	537	376
15	57,077	542	380
16	57,619	547	383
17	58,166	553	387
18	58,719	558	390
19	59,277	563	394
20	59,840	568	398
	TOTAL	$10,408	$7,286

LOCAL CD

COLORADO

5.00%

$50,000

6 Month

Credit Union

12.22x (National Avg. - 0.41%)

$100,000

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

LOCAL CD

Farmers and Merchants Bank

0.25%

$50,000

12 Month

Bank

0.45x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

WINGS FINANCIAL

2.32%

$50,000

36 Month

Credit Union

3.08x (National Avg. - 0.75%)

$250,000

SCENARIO

Year	Rate 2.32%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,160	812
2	51,160	1,187	831
3	52,347	1,214	850
4	53,561	1,243	870
5	54,804	1,271	890
6	56,075	1,301	911
7	57,376	1,331	932
8	58,708	1,362	953
9	60,070	1,394	976
10	61,463	1,426	998
11	62,889	1,459	1,021
12	64,348	1,493	1,045
13	65,841	1,528	1,069
14	67,369	1,563	1,094
15	68,931	1,599	1,119
16	70,531	1,636	1,145
17	72,167	1,674	1,172
18	73,841	1,713	1,199
19	75,554	1,753	1,227
20	77,307	1,794	1,255
	TOTAL	$29,101	$20,371

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
First Internet Bank of Indiana	4.49%	$1,000	Learn More
Last change: ↑0.34% on May 27. Warning: Early Withdrawal Penalty is 180 days interest.
Finworth, a division of InsBank	4.46%	$50,000	Learn More
Last change: ↑0.26% on April 9. Early Withdrawal Penalty is 6 months interest.

Compare Savings vs. CDs Comparison of Deposit Account from COLORADO with 5.00% - June 2025

Long-Term Analysis of UNITED METHODIST with 0.95% APY and COLORADO with 5.00% APY and Farmers and Merchants Bank with 0.25% APY and WINGS FINANCIAL with 2.32% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from COLORADO with 5.00% - June 2025