Compare Savings vs. CDs
Comparison of Deposit Account from CREDIT UNION OF DENVER with 3.10% - July 2025


Long-Term Analysis of TUCOEMAS with 0.10% APY and CREDIT UNION OF DENVER with 3.10% APY and Bank of Dawson with 0.85% APY and TAUNTON with 0.05% APY and CREDIT UNION OF DENVER with 1.35% 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 SAVINGS
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.44x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.10%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 2
    LOCAL CD
    3.10%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    3.10%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,550 1,085
    2 51,550 1,598 1,119
    3 53,148 1,648 1,153
    4 54,796 1,699 1,189
    5 56,494 1,751 1,226
    6 58,246 1,806 1,264
    7 60,051 1,862 1,303
    8 61,913 1,919 1,344
    9 63,832 1,979 1,385
    10 65,811 2,040 1,428
    11 67,851 2,103 1,472
    12 69,954 2,169 1,518
    13 72,123 2,236 1,565
    14 74,359 2,305 1,614
    15 76,664 2,377 1,664
    16 79,041 2,450 1,715
    17 81,491 2,526 1,768
    18 84,017 2,605 1,823
    19 86,622 2,685 1,880
    20 89,307 2,769 1,938
    TOTAL $42,075 $29,453
  • 3
    LOCAL CD
    0.85%
    -
    $50,000
    24 Month
    Bank
    1.29x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.85%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456
  • 4
    LOCAL SAVINGS
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.22x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.05%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 5
    LOCAL CD
    1.35%
    -
    $50,000
    3 Month
    Credit Union
    0.61x (National Avg. - 2.21%)
    $10,000
     
    SCENARIO
    Year Rate
    1.35%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 675 473
    2 50,675 684 479
    3 51,359 693 485
    4 52,052 703 492
    5 52,755 712 499
    6 53,467 722 505
    7 54,189 732 512
    8 54,921 741 519
    9 55,662 751 526
    10 56,414 762 533
    11 57,175 772 540
    12 57,947 782 548
    13 58,729 793 555
    14 59,522 804 562
    15 60,326 814 570
    16 61,140 825 578
    17 61,966 837 586
    18 62,802 848 593
    19 63,650 859 601
    20 64,509 871 610
    TOTAL $15,380 $10,766

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