Compare Savings vs. CDs
Comparison of Deposit Account from COMMUNITY FIRST CREDIT UNION OF FLO with 4.20% - October 2026


Long-Term Analysis of COMMUNITY FIRST CREDIT UNION OF FLO with 4.55% APY and COMMUNITY FIRST CREDIT UNION OF FLO with 4.20% APY and COMMUNITY FIRST CREDIT UNION OF FLO with 4.29% APY and COMMUNITY FIRST CREDIT UNION OF FLO with 1.31% APY and COMMUNITY FIRST CREDIT UNION OF FLO with 4.60% 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
    4.55%
    -
    $50,000
    18 Month
    Credit Union
    7.84x (National Avg. - 0.58%)
    $45,000
     
    SCENARIO
    Year Rate
    4.55%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,275 1,593
    2 52,275 2,379 1,665
    3 54,654 2,487 1,741
    4 57,140 2,600 1,820
    5 59,740 2,718 1,903
    6 62,458 2,842 1,989
    7 65,300 2,971 2,080
    8 68,271 3,106 2,174
    9 71,378 3,248 2,273
    10 74,625 3,395 2,377
    11 78,021 3,550 2,485
    12 81,571 3,711 2,598
    13 85,282 3,880 2,716
    14 89,163 4,057 2,840
    15 93,219 4,241 2,969
    16 97,461 4,434 3,104
    17 101,895 4,636 3,245
    18 106,532 4,847 3,393
    19 111,379 5,068 3,547
    20 116,447 5,298 3,709
    TOTAL $71,745 $50,221
  • 2
    LOCAL CD
    4.20%
    -
    $50,000
    36 Month
    Credit Union
    5.53x (National Avg. - 0.76%)
    $45,000
     
    SCENARIO
    Year Rate
    4.20%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,100 1,470
    2 52,100 2,188 1,532
    3 54,288 2,280 1,596
    4 56,568 2,376 1,663
    5 58,944 2,476 1,733
    6 61,420 2,580 1,806
    7 63,999 2,688 1,882
    8 66,687 2,801 1,961
    9 69,488 2,919 2,043
    10 72,407 3,041 2,129
    11 75,448 3,169 2,218
    12 78,617 3,302 2,311
    13 81,919 3,441 2,408
    14 85,359 3,585 2,510
    15 88,944 3,736 2,615
    16 92,680 3,893 2,725
    17 96,573 4,056 2,839
    18 100,629 4,226 2,958
    19 104,855 4,404 3,083
    20 109,259 4,589 3,212
    TOTAL $63,848 $44,693
  • 3
    LOCAL CD
    4.29%
    -
    $50,000
    12 Month
    Credit Union
    7.77x (National Avg. - 0.55%)
    $500
     
    SCENARIO
    Year Rate
    4.29%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,145 1,502
    2 52,145 2,237 1,566
    3 54,382 2,333 1,633
    4 56,715 2,433 1,703
    5 59,148 2,537 1,776
    6 61,686 2,646 1,852
    7 64,332 2,760 1,932
    8 67,092 2,878 2,015
    9 69,970 3,002 2,101
    10 72,972 3,130 2,191
    11 76,102 3,265 2,285
    12 79,367 3,405 2,383
    13 82,772 3,551 2,486
    14 86,323 3,703 2,592
    15 90,026 3,862 2,703
    16 93,888 4,028 2,819
    17 97,916 4,201 2,940
    18 102,116 4,381 3,067
    19 106,497 4,569 3,198
    20 111,066 4,765 3,335
    TOTAL $65,831 $46,081
  • 4
    LOCAL MONEY MARKET
    1.31%
    -
    $50,000
    N.A.
    Credit Union
    2.37x (National Avg. - 0.55%)
    $1,000
     
    SCENARIO
    Year Rate
    1.31%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 655 459
    2 50,655 664 465
    3 51,319 672 471
    4 51,991 681 477
    5 52,672 690 483
    6 53,362 699 489
    7 54,061 708 496
    8 54,769 717 502
    9 55,487 727 509
    10 56,214 736 515
    11 56,950 746 522
    12 57,696 756 529
    13 58,452 766 536
    14 59,218 776 543
    15 59,993 786 550
    16 60,779 796 557
    17 61,575 807 565
    18 62,382 817 572
    19 63,199 828 580
    20 64,027 839 587
    TOTAL $14,866 $10,406
  • 5
    LOCAL CD
    4.60%
    -
    $50,000
    18 Month
    Credit Union
    7.93x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    4.60%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,300 1,610
    2 52,300 2,406 1,684
    3 54,706 2,516 1,762
    4 57,222 2,632 1,843
    5 59,854 2,753 1,927
    6 62,608 2,880 2,016
    7 65,488 3,012 2,109
    8 68,500 3,151 2,206
    9 71,651 3,296 2,307
    10 74,947 3,448 2,413
    11 78,395 3,606 2,524
    12 82,001 3,772 2,640
    13 85,773 3,946 2,762
    14 89,718 4,127 2,889
    15 93,846 4,317 3,022
    16 98,162 4,515 3,161
    17 102,678 4,723 3,306
    18 107,401 4,940 3,458
    19 112,342 5,168 3,617
    20 117,509 5,405 3,784
    TOTAL $72,915 $51,040

    All calculations are for demonstration purposes only.

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