• Home
  • Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from Country Club Bank with 1.41% - October 2025


Long-Term Analysis of Westamerica Bank with 0.09% APY and 1ST NORTHERN CALIFORNIA with 0.40% APY and Country Club Bank with 1.41% APY and Investors Bank with 0.25% APY and UNITED STATES SENATE with 3.67% 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 CD
    Westamerica Bank
    0.09%
    -
    $50,000
    6 Month
    Bank
    0.22x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.09%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 45 32
    2 50,045 45 32
    3 50,090 45 32
    4 50,135 45 32
    5 50,180 45 32
    6 50,225 45 32
    7 50,271 45 32
    8 50,316 45 32
    9 50,361 45 32
    10 50,406 45 32
    11 50,452 45 32
    12 50,497 45 32
    13 50,543 45 32
    14 50,588 46 32
    15 50,634 46 32
    16 50,679 46 32
    17 50,725 46 32
    18 50,771 46 32
    19 50,816 46 32
    20 50,862 46 32
    TOTAL $908 $635
  • 2
    LOCAL CD
    1ST NORTHERN CALIFORNIA
    0.40%
    -
    $50,000
    6 Month
    Credit Union
    0.99x (National Avg. - 0.41%)
    $100,000
     
    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
    Country Club Bank
    1.41%
    -
    $50,000
    60 Month
    Bank
    1.53x (National Avg. - 0.92%)
    $50,000
     
    SCENARIO
    Year Rate
    1.41%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 705 494
    2 50,705 715 500
    3 51,420 725 508
    4 52,145 735 515
    5 52,880 746 522
    6 53,626 756 529
    7 54,382 767 537
    8 55,149 778 544
    9 55,926 789 552
    10 56,715 800 560
    11 57,515 811 568
    12 58,326 822 576
    13 59,148 834 584
    14 59,982 846 592
    15 60,828 858 600
    16 61,685 870 609
    17 62,555 882 617
    18 63,437 894 626
    19 64,332 907 635
    20 65,239 920 644
    TOTAL $16,159 $11,311
  • 4
    LOCAL CD
    Investors Bank
    0.25%
    -
    $50,000
    12 Month
    Bank
    0.46x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 5
    LOCAL CD
    UNITED STATES SENATE
    3.67%
    -
    $50,000
    12 Month
    Credit Union
    6.70x (National Avg. - 0.55%)
    $200,000
     
    SCENARIO
    Year Rate
    3.67%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,835 1,285
    2 51,835 1,902 1,332
    3 53,737 1,972 1,381
    4 55,710 2,045 1,431
    5 57,754 2,120 1,484
    6 59,874 2,197 1,538
    7 62,071 2,278 1,595
    8 64,349 2,362 1,653
    9 66,711 2,448 1,714
    10 69,159 2,538 1,777
    11 71,697 2,631 1,842
    12 74,328 2,728 1,909
    13 77,056 2,828 1,980
    14 79,884 2,932 2,052
    15 82,816 3,039 2,128
    16 85,855 3,151 2,206
    17 89,006 3,267 2,287
    18 92,273 3,386 2,370
    19 95,659 3,511 2,457
    20 99,170 3,640 2,548
    TOTAL $52,809 $36,966

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑2.35% on September 16.

    Last change: ↑1.66% on April 4.

    Last change: ↑0.66% on February 4.
    No Penalty CD.

    Last change: ↓0.15% on September 23.

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Reddit

    Featured on:

    Copyright © 2025 BestCashCow.com, LLC. All Rights Reserved. Our Terms and Conditions. Privacy Policy + CCPA.

    Disclosure Governing Your Use of this Website | Advertising Disclosure

    Last Update on October 29, 2025

    This page was created in 1.7159 seconds.