• Home
  • Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from CUTTING EDGE with 2.53% - November 2026


Long-Term Analysis of FRONTWAVE with 3.00% APY and EVERWISE with 2.65% APY and CUTTING EDGE with 2.53% APY and SECURITY FIRST with 3.35% 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.

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
    FRONTWAVE
    3.00%
    -
    $50,000
    36 Month
    Credit Union
    3.95x (National Avg. - 0.76%)
    $1,000
     
    SCENARIO
    Year Rate
    3.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,500 1,050
    2 51,500 1,545 1,082
    3 53,045 1,591 1,114
    4 54,636 1,639 1,147
    5 56,275 1,688 1,182
    6 57,964 1,739 1,217
    7 59,703 1,791 1,254
    8 61,494 1,845 1,291
    9 63,339 1,900 1,330
    10 65,239 1,957 1,370
    11 67,196 2,016 1,411
    12 69,212 2,076 1,453
    13 71,288 2,139 1,497
    14 73,427 2,203 1,542
    15 75,629 2,269 1,588
    16 77,898 2,337 1,636
    17 80,235 2,407 1,685
    18 82,642 2,479 1,735
    19 85,122 2,554 1,788
    20 87,675 2,630 1,841
    TOTAL $40,306 $28,214
  • 2
    LOCAL CD
    EVERWISE
    2.65%
    -
    $50,000
    36 Month
    Credit Union
    3.49x (National Avg. - 0.76%)
    $500
     
    SCENARIO
    Year Rate
    2.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,325 928
    2 51,325 1,360 952
    3 52,685 1,396 977
    4 54,081 1,433 1,003
    5 55,514 1,471 1,030
    6 56,986 1,510 1,057
    7 58,496 1,550 1,085
    8 60,046 1,591 1,114
    9 61,637 1,633 1,143
    10 63,270 1,677 1,174
    11 64,947 1,721 1,205
    12 66,668 1,767 1,237
    13 68,435 1,814 1,269
    14 70,248 1,862 1,303
    15 72,110 1,911 1,338
    16 74,021 1,962 1,373
    17 75,982 2,014 1,409
    18 77,996 2,067 1,447
    19 80,063 2,122 1,485
    20 82,185 2,178 1,525
    TOTAL $34,362 $24,054
  • 3
    LOCAL CD
    CUTTING EDGE
    2.53%
    -
    $50,000
    36 Month
    Credit Union
    3.33x (National Avg. - 0.76%)
    $500
     
    SCENARIO
    Year Rate
    2.53%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,265 886
    2 51,265 1,297 908
    3 52,562 1,330 931
    4 53,892 1,363 954
    5 55,255 1,398 979
    6 56,653 1,433 1,003
    7 58,087 1,470 1,029
    8 59,556 1,507 1,055
    9 61,063 1,545 1,081
    10 62,608 1,584 1,109
    11 64,192 1,624 1,137
    12 65,816 1,665 1,166
    13 67,481 1,707 1,195
    14 69,188 1,750 1,225
    15 70,939 1,795 1,256
    16 72,733 1,840 1,288
    17 74,574 1,887 1,321
    18 76,460 1,934 1,354
    19 78,395 1,983 1,388
    20 80,378 2,034 1,423
    TOTAL $32,412 $22,688
  • 4
    LOCAL CD
    SECURITY FIRST
    3.35%
    -
    $50,000
    36 Month
    Credit Union
    4.41x (National Avg. - 0.76%)
    $100,000
     
    SCENARIO
    Year Rate
    3.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,675 1,173
    2 51,675 1,731 1,212
    3 53,406 1,789 1,252
    4 55,195 1,849 1,294
    5 57,044 1,911 1,338
    6 58,955 1,975 1,383
    7 60,930 2,041 1,429
    8 62,971 2,110 1,477
    9 65,081 2,180 1,526
    10 67,261 2,253 1,577
    11 69,514 2,329 1,630
    12 71,843 2,407 1,685
    13 74,250 2,487 1,741
    14 76,737 2,571 1,799
    15 79,308 2,657 1,860
    16 81,965 2,746 1,922
    17 84,711 2,838 1,986
    18 87,548 2,933 2,053
    19 90,481 3,031 2,122
    20 93,512 3,133 2,193
    TOTAL $46,645 $32,652

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑0.05% on October 8.
    Early Withdrawal Penalty is 730 days interest.

    Last change: ↑0.10% on October 8.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.81% on April 27.

    Last change: ↑0.80% on April 27.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↑0.78% on April 27.
    Early Withdrawal Penalty is 90 days interest.

    Reddit
    Get rate alerts on the go. Download our app. Download on the App Store Get it on Google Play

    Featured on:

    Copyright © 2026 BestCashCow.com, LLC. All Rights Reserved. Our Terms and Conditions • AI Policy • Privacy Policy + CCPA

    Disclosure Governing Your Use of this Website | Advertising Disclosure

    Last Update on November 14, 2026

    This page was created in 0.0810 seconds.