Compare Savings vs. CDs
Comparison of Deposit Account from Commercial Bank & Trust Company with 0.25% - May 2024


Long-Term Analysis of Commercial Bank & Trust Company with 0.25% 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
    0.25%
    -
    $50,000
    6 Month
    Bank
    0.37x (National Avg. - 0.69%)
    $100,000
     
    SCENARIO
    Year Rate
    0.25%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 126 88
    2 50,126 126 88
    3 50,252 127 89
    4 50,379 127 89
    5 50,506 127 89
    6 50,633 128 89
    7 50,761 128 90
    8 50,889 128 90
    9 51,017 129 90
    10 51,145 129 90
    11 51,274 129 90
    12 51,404 130 91
    13 51,533 130 91
    14 51,663 130 91
    15 51,793 131 91
    16 51,924 131 92
    17 52,055 131 92
    18 52,186 132 92
    19 52,317 132 92
    20 52,449 132 93
    TOTAL $2,581 $1,807

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    5 Month CD Special. Must be linked to a standard consumer or business checking account in which 12.6% of the total combined balance is maintained. Otherwise APY is 5.25%.

    Last change: ↓0.15% on May 13.
    3 Month CD.

    Last change: ↑0.09% on March 12.
    6 Month Jumbo CD.

    Last change: ↓0.05% on May 9.

    Last change: ↓0.36% on March 12.
    Early Withdrawal Penalty is 3 months interest.