Compare Savings vs. CDs
Comparison of Deposit Account from CORAL COMMUNITY with 0.50% - December 2025


Long-Term Analysis of The First National Bank of Ava with 0.21% APY and COOPERATIVE CHOICE NETWORK with 1.25% APY and CORAL COMMUNITY with 0.50% APY and TRIUS with 0.50% APY and ABCO with 1.00% APY and A+ with 10,000.00% 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

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL SAVINGS
    0.21%
    -
    $50,000
    N.A.
    Bank
    0.93x (National Avg. - 0.23%)
    $100
     
    SCENARIO
    Year Rate
    0.21%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 105 74
    2 50,105 105 74
    3 50,210 105 74
    4 50,316 106 74
    5 50,421 106 74
    6 50,527 106 74
    7 50,633 106 74
    8 50,740 107 75
    9 50,846 107 75
    10 50,953 107 75
    11 51,060 107 75
    12 51,167 107 75
    13 51,275 108 75
    14 51,382 108 76
    15 51,490 108 76
    16 51,598 108 76
    17 51,707 109 76
    18 51,815 109 76
    19 51,924 109 76
    20 52,033 109 76
    TOTAL $2,142 $1,500
  • 2
    LOCAL CD
    1.25%
    -
    $50,000
    18 Month
    Credit Union
    2.17x (National Avg. - 0.58%)
    $500
     
    SCENARIO
    Year Rate
    1.25%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 625 438
    2 50,625 633 443
    3 51,258 641 449
    4 51,899 649 454
    5 52,547 657 460
    6 53,204 665 466
    7 53,869 673 471
    8 54,543 682 477
    9 55,224 690 483
    10 55,915 699 489
    11 56,614 708 495
    12 57,321 717 502
    13 58,038 725 508
    14 58,763 735 514
    15 59,498 744 521
    16 60,241 753 527
    17 60,994 762 534
    18 61,757 772 540
    19 62,529 782 547
    20 63,310 791 554
    TOTAL $14,102 $9,871
  • 3
    LOCAL CD
    0.50%
    -
    $50,000
    6 Month
    Credit Union
    1.24x (National Avg. - 0.40%)
    $10,000
     
    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
  • 4
    LOCAL CD
    0.50%
    -
    $50,000
    18 Month
    Credit Union
    0.87x (National Avg. - 0.58%)
    $10,000
     
    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
  • 5
    LOCAL CD
    1.00%
    -
    $50,000
    18 Month
    Credit Union
    1.73x (National Avg. - 0.58%)
    $100,000
     
    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
  • 6
    LOCAL CD
    10,000.00%
    -
    $50,000
    6 Month
    Credit Union
    24,752.47x (National Avg. - 0.40%)
    $1,000
     
    SCENARIO
    Year Rate
    10,000.00%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 5,000,000 3,500,000
    2 5,050,000 504,999,900 353,499,930
    3 510,049,899 51,004,984,800 35,703,489,360
    4 51,515,034,699 5,151,502,954,700 3,606,052,068,290
    5 5,203,017,989,398 520,301,746,909,651 364,211,222,836,755
    6 525,504,764,899,049 52,550,471,234,857,248 36,785,329,864,400,072
    7 53,075,975,999,756,296 5,307,597,069,215,868,928 3,715,317,948,451,108,352
    8 5,360,673,045,215,625,216 536,067,250,914,832,089,088 375,247,075,640,382,455,808
    9 541,427,923,960,047,730,688 54,142,786,981,725,535,731,712 37,899,950,887,207,872,495,616
    10 54,684,214,905,685,585,952,768 5,468,420,943,726,409,014,050,816 3,827,894,660,608,486,524,583,936
    11 5,523,105,158,632,094,356,733,952 552,310,460,632,157,890,254,209,024 386,617,322,442,510,502,562,103,296
    12 557,833,565,790,789,992,127,135,744 55,783,351,000,743,337,817,423,216,640 39,048,345,700,520,336,472,196,251,648
    13 56,341,184,566,534,128,153,147,736,064 5,634,117,893,241,567,155,179,283,808,256 3,943,882,525,269,097,233,805,480,034,304
    14 5,690,459,077,808,100,869,916,059,500,544 569,045,850,876,219,249,190,963,421,118,464 398,332,095,613,353,452,816,396,183,404,544
    15 574,736,309,954,027,324,165,181,623,238,656 57,473,625,248,039,634,164,829,978,150,043,648 40,231,537,673,627,742,070,706,577,334,075,392
    16 58,048,361,557,993,662,713,974,258,418,057,216 5,804,835,575,315,750,197,095,159,523,115,532,288 4,063,384,902,721,024,665,729,963,379,216,351,232
    17 5,862,883,936,873,744,330,201,107,661,127,155,712 586,288,335,058,535,046,102,300,277,774,556,856,320 410,401,834,540,974,532,271,610,194,442,189,799,424
    18 592,151,218,995,408,753,834,161,143,195,933,605,888 59,215,115,978,028,694,528,239,244,072,860,570,877,952 41,450,581,184,620,088,104,048,782,234,409,079,144,448
    19 59,807,267,197,024,107,815,545,228,770,915,909,632,000 5,980,726,121,629,739,062,250,177,099,047,881,047,801,856 4,186,508,285,140,817,591,163,131,826,409,571,713,286,144
    20 6,040,533,388,826,763,779,364,335,413,591,901,009,346,560 604,053,278,477,342,475,044,886,269,633,710,239,604,801,536 422,837,294,934,139,677,071,706,628,758,560,852,242,595,840
    TOTAL $610,093,811,866,169,236,348,370,526,476,541,590,815,899,648 $427,065,668,306,318,378,292,880,602,842,807,760,672,784,384

    All calculations are for demonstration purposes only.

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