Compare Savings vs. CDs
Comparison of Deposit Account from CORPORATE AMERICA FAMILY with 3.57% - August 2025


Long-Term Analysis of CORPORATE AMERICA FAMILY with 3.57% APY and UNITED POLICE with 0.40% APY and CORPORATE AMERICA FAMILY with 5.50% 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
    3.57%
    -
    $50,000
    36 Month
    Credit Union
    4.73x (National Avg. - 0.75%)
    $1,000
     
    SCENARIO
    Year Rate
    3.57%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,785 1,250
    2 51,785 1,849 1,294
    3 53,634 1,915 1,340
    4 55,548 1,983 1,388
    5 57,532 2,054 1,438
    6 59,585 2,127 1,489
    7 61,713 2,203 1,542
    8 63,916 2,282 1,597
    9 66,198 2,363 1,654
    10 68,561 2,448 1,713
    11 71,008 2,535 1,775
    12 73,543 2,625 1,838
    13 76,169 2,719 1,903
    14 78,888 2,816 1,971
    15 81,704 2,917 2,042
    16 84,621 3,021 2,115
    17 87,642 3,129 2,190
    18 90,771 3,241 2,268
    19 94,012 3,356 2,349
    20 97,368 3,476 2,433
    TOTAL $50,844 $35,591
  • 2
    LOCAL CD
    0.40%
    -
    $50,000
    12 Month
    Credit Union
    0.72x (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
  • 3
    LOCAL CD
    5.50%
    -
    $50,000
    7 Month
    Credit Union
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    5.50%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,750 1,925
    2 52,750 2,901 2,031
    3 55,651 3,061 2,143
    4 58,712 3,229 2,260
    5 61,941 3,407 2,385
    6 65,348 3,594 2,516
    7 68,942 3,792 2,654
    8 72,734 4,000 2,800
    9 76,734 4,220 2,954
    10 80,955 4,453 3,117
    11 85,407 4,697 3,288
    12 90,105 4,956 3,469
    13 95,060 5,228 3,660
    14 100,289 5,516 3,861
    15 105,805 5,819 4,073
    16 111,624 6,139 4,298
    17 117,763 6,477 4,534
    18 124,240 6,833 4,783
    19 131,073 7,209 5,046
    20 138,282 7,606 5,324
    TOTAL $95,888 $67,122

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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

    Last change: ↑0.20% on January 18.

    Last change: ↑0.20% on April 9.

    Last change: ↑0.26% on April 9.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↑0.10% on July 13.