Compare Savings vs. CDs
Comparison of Deposit Account from Connection Bank with 0.40% - July 2025


Long-Term Analysis of Connection Bank with 0.40% APY and KELLY COMMUNITY with 1.36% 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
    0.40%
    -
    $50,000
    6 Month
    Bank
    0.98x (National Avg. - 0.41%)
    $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
  • 2
    LOCAL CD
    1.36%
    -
    $50,000
    48 Month
    Credit Union
    1.66x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.36%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 680 476
    2 50,680 689 482
    3 51,368 698 489
    4 52,066 708 495
    5 52,774 717 502
    6 53,491 727 509
    7 54,218 737 516
    8 54,955 747 523
    9 55,702 757 530
    10 56,459 767 537
    11 57,226 778 544
    12 58,004 788 552
    13 58,792 799 559
    14 59,591 810 567
    15 60,401 821 575
    16 61,222 832 582
    17 62,054 843 590
    18 62,897 855 598
    19 63,752 866 606
    20 64,618 878 615
    TOTAL $15,496 $10,847

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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

    Last change: ↑0.06% on June 24.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.20% on April 9.

    Last change: ↑0.34% on May 27.
    Warning: Early Withdrawal Penalty is 180 days interest.