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Compare Savings vs. CDs
Comparison of Deposit Account from COMMODORE PERRY with 0.10% - October 2026

Long-Term Analysis of SUN EAST with 3.40% APY and FAIRWINDS with 1.79% APY and FAIRWINDS with 2.87% APY and FAIRWINDS with 2.92% APY and FICARE with 0.30% APY and DADE COUNTY with 1.36% APY and EDUCATIONAL with 3.45% APY and RTN with 1.00% APY and EVERWISE with 2.84% APY and COMMODORE PERRY with 0.25% APY and COMMODORE PERRY with 0.10% APY and COMMODORE PERRY with 0.10% APY and COMMODORE PERRY with 0.10% APY and ATOMIC with 0.25% APY and CLEARVIEW with 0.40% APY and RIVERFRONT with 1.10% APY and DISCOVERY with 4.75% APY and TEXAS TECH with 1.30% APY and N A E with 0.40% APY and WHATCOM EDUCATIONAL with 0.75% APY and WHATCOM EDUCATIONAL with 0.50% APY and CONE with 0.80% 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

SUN EAST

3.40%

$50,000

60 Month

Credit Union

3.66x (National Avg. - 0.93%)

$500

SCENARIO

Year	Rate 3.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,700	1,190
2	51,700	1,758	1,230
3	53,458	1,818	1,272
4	55,275	1,879	1,316
5	57,155	1,943	1,360
6	59,098	2,009	1,407
7	61,107	2,078	1,454
8	63,185	2,148	1,504
9	65,333	2,221	1,555
10	67,555	2,297	1,608
11	69,851	2,375	1,662
12	72,226	2,456	1,719
13	74,682	2,539	1,777
14	77,221	2,626	1,838
15	79,847	2,715	1,900
16	82,562	2,807	1,965
17	85,369	2,903	2,032
18	88,271	3,001	2,101
19	91,272	3,103	2,172
20	94,376	3,209	2,246
	TOTAL	$47,584	$33,309

LOCAL CD

FAIRWINDS

1.79%

$50,000

24 Month

Credit Union

2.70x (National Avg. - 0.66%)

$1,000

SCENARIO

Year	Rate 1.79%	Annual Interest	Annual Interest (After Tax)
1	50,000	895	627
2	50,895	911	638
3	51,806	927	649
4	52,733	944	661
5	53,677	961	673
6	54,638	978	685
7	55,616	996	697
8	56,612	1,013	709
9	57,625	1,031	722
10	58,656	1,050	735
11	59,706	1,069	748
12	60,775	1,088	762
13	61,863	1,107	775
14	62,970	1,127	789
15	64,098	1,147	803
16	65,245	1,168	818
17	66,413	1,189	832
18	67,602	1,210	847
19	68,812	1,232	862
20	70,043	1,254	878
	TOTAL	$21,297	$14,908

LOCAL CD

FAIRWINDS

2.87%

$50,000

36 Month

Credit Union

3.78x (National Avg. - 0.76%)

$1,000

SCENARIO

Year	Rate 2.87%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,435	1,005
2	51,435	1,476	1,033
3	52,911	1,519	1,063
4	54,430	1,562	1,093
5	55,992	1,607	1,125
6	57,599	1,653	1,157
7	59,252	1,701	1,190
8	60,952	1,749	1,225
9	62,702	1,800	1,260
10	64,501	1,851	1,296
11	66,353	1,904	1,333
12	68,257	1,959	1,371
13	70,216	2,015	1,411
14	72,231	2,073	1,451
15	74,304	2,133	1,493
16	76,437	2,194	1,536
17	78,630	2,257	1,580
18	80,887	2,321	1,625
19	83,208	2,388	1,672
20	85,597	2,457	1,720
	TOTAL	$38,053	$26,637

LOCAL CD

FAIRWINDS

2.92%

$50,000

48 Month

Credit Union

3.55x (National Avg. - 0.82%)

$1,000

SCENARIO

Year	Rate 2.92%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,460	1,022
2	51,460	1,503	1,052
3	52,963	1,547	1,083
4	54,509	1,592	1,114
5	56,101	1,638	1,147
6	57,739	1,686	1,180
7	59,425	1,735	1,215
8	61,160	1,786	1,250
9	62,946	1,838	1,287
10	64,784	1,892	1,324
11	66,676	1,947	1,363
12	68,623	2,004	1,403
13	70,626	2,062	1,444
14	72,689	2,123	1,486
15	74,811	2,184	1,529
16	76,996	2,248	1,574
17	79,244	2,314	1,620
18	81,558	2,381	1,667
19	83,939	2,451	1,716
20	86,390	2,523	1,766
	TOTAL	$38,913	$27,239

LOCAL CD

FICARE

0.30%

$50,000

12 Month

Credit Union

0.54x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL CD

DADE COUNTY

1.36%

$50,000

60 Month

Credit Union

1.47x (National Avg. - 0.93%)

$100,000

SCENARIO

Year	Rate 1.36%	Annual Interest	Annual Interest (After Tax)
1	50,000	680	476
2	50,680	689	482
3	51,369	699	489
4	52,068	708	496
5	52,776	718	502
6	53,494	728	509
7	54,221	737	516
8	54,959	747	523
9	55,706	758	530
10	56,464	768	538
11	57,232	778	545
12	58,010	789	552
13	58,799	800	560
14	59,599	811	567
15	60,409	822	575
16	61,231	833	583
17	62,063	844	591
18	62,907	856	599
19	63,763	867	607
20	64,630	879	615
	TOTAL	$15,509	$10,856

LOCAL CD

EDUCATIONAL

3.45%

$50,000

48 Month

Credit Union

4.19x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 3.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,725	1,208
2	51,725	1,785	1,249
3	53,510	1,846	1,292
4	55,356	1,910	1,337
5	57,265	1,976	1,383
6	59,241	2,044	1,431
7	61,285	2,114	1,480
8	63,399	2,187	1,531
9	65,586	2,263	1,584
10	67,849	2,341	1,639
11	70,190	2,422	1,695
12	72,612	2,505	1,754
13	75,117	2,592	1,814
14	77,708	2,681	1,877
15	80,389	2,773	1,941
16	83,162	2,869	2,008
17	86,032	2,968	2,078
18	89,000	3,070	2,149
19	92,070	3,176	2,223
20	95,247	3,286	2,300
	TOTAL	$48,533	$33,973

LOCAL CD

RTN

1.00%

$50,000

48 Month

Credit Union

1.22x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

EVERWISE

2.84%

$50,000

60 Month

Credit Union

3.06x (National Avg. - 0.93%)

$500

SCENARIO

Year	Rate 2.84%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,420	994
2	51,420	1,460	1,022
3	52,880	1,502	1,051
4	54,382	1,544	1,081
5	55,927	1,588	1,112
6	57,515	1,633	1,143
7	59,148	1,680	1,176
8	60,828	1,728	1,209
9	62,556	1,777	1,244
10	64,332	1,827	1,279
11	66,159	1,879	1,315
12	68,038	1,932	1,353
13	69,970	1,987	1,391
14	71,958	2,044	1,431
15	74,001	2,102	1,471
16	76,103	2,161	1,513
17	78,264	2,223	1,556
18	80,487	2,286	1,600
19	82,773	2,351	1,646
20	85,123	2,418	1,692
	TOTAL	$37,541	$26,279

LOCAL CD

COMMODORE PERRY

0.25%

$50,000

18 Month

Credit Union

0.43x (National Avg. - 0.58%)

$100,000

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

COMMODORE PERRY

0.10%

$50,000

6 Month

Credit Union

0.25x (National Avg. - 0.40%)

$10,000

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL CD

COMMODORE PERRY

0.10%

$50,000

6 Month

Credit Union

0.25x (National Avg. - 0.40%)

$100,000

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL MONEY MARKET

COMMODORE PERRY

0.10%

$50,000

N.A.

Credit Union

0.25x (National Avg. - 0.40%)

$25,000

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL MONEY MARKET

ATOMIC

0.25%

$50,000

N.A.

Credit Union

0.62x (National Avg. - 0.40%)

$2,500

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

CLEARVIEW

0.40%

$50,000

12 Month

Credit Union

0.73x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

RIVERFRONT

1.10%

$50,000

36 Month

Credit Union

1.45x (National Avg. - 0.76%)

$10,000

SCENARIO

Year	Rate 1.10%	Annual Interest	Annual 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

LOCAL CD

DISCOVERY

4.75%

$50,000

12 Month

Credit Union

8.62x (National Avg. - 0.55%)

$100

SCENARIO

Year	Rate 4.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,375	1,663
2	52,375	2,488	1,741
3	54,863	2,606	1,824
4	57,469	2,730	1,911
5	60,199	2,859	2,002
6	63,058	2,995	2,097
7	66,053	3,138	2,196
8	69,191	3,287	2,301
9	72,477	3,443	2,410
10	75,920	3,606	2,524
11	79,526	3,777	2,644
12	83,304	3,957	2,770
13	87,261	4,145	2,901
14	91,406	4,342	3,039
15	95,747	4,548	3,184
16	100,295	4,764	3,335
17	105,059	4,990	3,493
18	110,050	5,227	3,659
19	115,277	5,476	3,833
20	120,753	5,736	4,015
	TOTAL	$76,488	$53,542

LOCAL CD

TEXAS TECH

1.30%

$50,000

36 Month

Credit Union

1.71x (National Avg. - 0.76%)

$10,000

SCENARIO

Year	Rate 1.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	650	455
2	50,650	658	461
3	51,308	667	467
4	51,975	676	473
5	52,651	684	479
6	53,336	693	485
7	54,029	702	492
8	54,731	712	498
9	55,443	721	505
10	56,164	730	511
11	56,894	740	518
12	57,633	749	524
13	58,383	759	531
14	59,142	769	538
15	59,910	779	545
16	60,689	789	552
17	61,478	799	559
18	62,277	810	567
19	63,087	820	574
20	63,907	831	582
	TOTAL	$14,738	$10,317

LOCAL CD

N A E

0.40%

$50,000

60 Month

Credit Union

0.43x (National Avg. - 0.93%)

$10,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

WHATCOM EDUCATIONAL

0.75%

$50,000

12 Month

Credit Union

1.36x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

WHATCOM EDUCATIONAL

0.50%

$50,000

6 Month

Credit Union

1.24x (National Avg. - 0.40%)

$100,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

CONE

0.80%

$50,000

6 Month

Credit Union

1.99x (National Avg. - 0.40%)

$10,000

SCENARIO

Year	Rate 0.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	402	281
2	50,402	405	283
3	50,806	408	286
4	51,214	411	288
5	51,625	415	290
6	52,040	418	293
7	52,458	421	295
8	52,879	425	297
9	53,304	428	300
10	53,732	431	302
11	54,163	435	304
12	54,598	438	307
13	55,037	442	309
14	55,479	445	312
15	55,924	449	314
16	56,373	453	317
17	56,826	456	319
18	57,282	460	322
19	57,742	464	325
20	58,206	467	327
	TOTAL	$8,673	$6,071

All calculations are for demonstration purposes only.

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Charles Schwab Bank, SSB	4.65%	$1,000	Learn More
Last change: ↑0.35% on September 25.

Compare Savings vs. CDs Comparison of Deposit Account from COMMODORE PERRY with 0.10% - October 2026

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Comparison of Deposit Account from COMMODORE PERRY with 0.10% - October 2026