Compare Savings vs. CDs
Comparison of Deposit Account from COMMUNITY FIRST CREDIT UNION OF FLO with 2.63% - August 2025


Long-Term Analysis of COMMUNITY FIRST CREDIT UNION OF FLO with 4.39% APY and COMMUNITY FIRST CREDIT UNION OF FLO with 4.29% APY and COMMUNITY FIRST CREDIT UNION OF FLO with 4.34% APY and COMMUNITY FIRST CREDIT UNION OF FLO with 2.63% APY and COMMUNITY FIRST CREDIT UNION OF FLO with 4.39% APY and COMMUNITY FIRST CREDIT UNION OF FLO with 4.45% APY and COMMUNITY FIRST CREDIT UNION OF FLO with 4.25% APY and COMMUNITY FIRST CREDIT UNION OF FLO with 3.77% 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
    4.39%
    -
    $50,000
    12 Month
    Credit Union
    7.95x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    4.39%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,195 1,537
    2 52,195 2,291 1,604
    3 54,486 2,392 1,674
    4 56,878 2,497 1,748
    5 59,375 2,607 1,825
    6 61,982 2,721 1,905
    7 64,703 2,840 1,988
    8 67,543 2,965 2,076
    9 70,508 3,095 2,167
    10 73,604 3,231 2,262
    11 76,835 3,373 2,361
    12 80,208 3,521 2,465
    13 83,729 3,676 2,573
    14 87,405 3,837 2,686
    15 91,242 4,006 2,804
    16 95,247 4,181 2,927
    17 99,429 4,365 3,055
    18 103,794 4,557 3,190
    19 108,350 4,757 3,330
    20 113,107 4,965 3,476
    TOTAL $68,072 $47,651
  • 2
    LOCAL CD
    4.29%
    -
    $50,000
    24 Month
    Credit Union
    6.50x (National Avg. - 0.66%)
    $45,000
     
    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
  • 3
    LOCAL CD
    4.34%
    -
    $50,000
    12 Month
    Credit Union
    7.86x (National Avg. - 0.55%)
    $45,000
     
    SCENARIO
    Year Rate
    4.34%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,170 1,519
    2 52,170 2,264 1,585
    3 54,434 2,362 1,654
    4 56,797 2,465 1,725
    5 59,262 2,572 1,800
    6 61,834 2,684 1,879
    7 64,517 2,800 1,960
    8 67,317 2,922 2,045
    9 70,239 3,048 2,134
    10 73,287 3,181 2,226
    11 76,468 3,319 2,323
    12 79,786 3,463 2,424
    13 83,249 3,613 2,529
    14 86,862 3,770 2,639
    15 90,632 3,933 2,753
    16 94,565 4,104 2,873
    17 98,670 4,282 2,998
    18 102,952 4,468 3,128
    19 107,420 4,662 3,263
    20 112,082 4,864 3,405
    TOTAL $66,946 $46,862
  • 4
    LOCAL CD
    2.63%
    -
    $50,000
    6 Month
    Credit Union
    6.43x (National Avg. - 0.41%)
    $45,000
     
    SCENARIO
    Year Rate
    2.63%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,315 921
    2 51,315 1,350 945
    3 52,665 1,385 970
    4 54,050 1,422 995
    5 55,471 1,459 1,021
    6 56,930 1,497 1,048
    7 58,427 1,537 1,076
    8 59,964 1,577 1,104
    9 61,541 1,619 1,133
    10 63,160 1,661 1,163
    11 64,821 1,705 1,193
    12 66,525 1,750 1,225
    13 68,275 1,796 1,257
    14 70,071 1,843 1,290
    15 71,914 1,891 1,324
    16 73,805 1,941 1,359
    17 75,746 1,992 1,394
    18 77,738 2,045 1,431
    19 79,783 2,098 1,469
    20 81,881 2,153 1,507
    TOTAL $34,034 $23,824
  • 5
    LOCAL CD
    4.39%
    -
    $50,000
    24 Month
    Credit Union
    6.65x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    4.39%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,195 1,537
    2 52,195 2,291 1,604
    3 54,486 2,392 1,674
    4 56,878 2,497 1,748
    5 59,375 2,607 1,825
    6 61,982 2,721 1,905
    7 64,703 2,840 1,988
    8 67,543 2,965 2,076
    9 70,508 3,095 2,167
    10 73,604 3,231 2,262
    11 76,835 3,373 2,361
    12 80,208 3,521 2,465
    13 83,729 3,676 2,573
    14 87,405 3,837 2,686
    15 91,242 4,006 2,804
    16 95,247 4,181 2,927
    17 99,429 4,365 3,055
    18 103,794 4,557 3,190
    19 108,350 4,757 3,330
    20 113,107 4,965 3,476
    TOTAL $68,072 $47,651
  • 6
    LOCAL CD
    4.45%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $250,000
     
    SCENARIO
    Year Rate
    4.45%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,225 1,558
    2 52,225 2,324 1,627
    3 54,549 2,427 1,699
    4 56,976 2,535 1,775
    5 59,512 2,648 1,854
    6 62,160 2,766 1,936
    7 64,926 2,889 2,022
    8 67,816 3,018 2,112
    9 70,833 3,152 2,206
    10 73,985 3,292 2,305
    11 77,278 3,439 2,407
    12 80,717 3,592 2,514
    13 84,308 3,752 2,626
    14 88,060 3,919 2,743
    15 91,979 4,093 2,865
    16 96,072 4,275 2,993
    17 100,347 4,465 3,126
    18 104,813 4,664 3,265
    19 109,477 4,872 3,410
    20 114,348 5,089 3,562
    TOTAL $69,437 $48,606
  • 7
    LOCAL CD
    4.25%
    -
    $50,000
    36 Month
    Credit Union
    5.64x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    4.25%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,125 1,488
    2 52,125 2,215 1,551
    3 54,340 2,309 1,617
    4 56,650 2,408 1,685
    5 59,057 2,510 1,757
    6 61,567 2,617 1,832
    7 64,184 2,728 1,909
    8 66,912 2,844 1,991
    9 69,756 2,965 2,075
    10 72,720 3,091 2,163
    11 75,811 3,222 2,255
    12 79,033 3,359 2,351
    13 82,392 3,502 2,451
    14 85,893 3,650 2,555
    15 89,544 3,806 2,664
    16 93,349 3,967 2,777
    17 97,317 4,136 2,895
    18 101,453 4,312 3,018
    19 105,764 4,495 3,146
    20 110,259 4,686 3,280
    TOTAL $64,945 $45,462
  • 8
    LOCAL CD
    3.77%
    -
    $50,000
    48 Month
    Credit Union
    4.61x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    3.77%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,885 1,320
    2 51,885 1,956 1,369
    3 53,841 2,030 1,421
    4 55,871 2,106 1,474
    5 57,977 2,186 1,530
    6 60,163 2,268 1,588
    7 62,431 2,354 1,648
    8 64,785 2,442 1,710
    9 67,227 2,534 1,774
    10 69,762 2,630 1,841
    11 72,392 2,729 1,910
    12 75,121 2,832 1,982
    13 77,953 2,939 2,057
    14 80,892 3,050 2,135
    15 83,941 3,165 2,215
    16 87,106 3,284 2,299
    17 90,390 3,408 2,385
    18 93,797 3,536 2,475
    19 97,334 3,669 2,569
    20 101,003 3,808 2,665
    TOTAL $54,811 $38,368

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

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    Last change: ↑0.10% on July 13.

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    Early withdrawal penalty is 3 Months' Interest.

    Last change: ↓0.05% on August 2.
    7-Month CD.