• Home
  • Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from Department of Commerce with 2.18% - June 2025


Long-Term Analysis of OREGON COMMUNITY with 0.95% APY and Department of Commerce with 2.18% 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
    OREGON COMMUNITY
    0.95%
    -
    $50,000
    36 Month
    Credit Union
    1.26x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 475 333
    2 50,475 480 336
    3 50,955 484 339
    4 51,439 489 342
    5 51,927 493 345
    6 52,421 498 349
    7 52,919 503 352
    8 53,421 508 355
    9 53,929 512 359
    10 54,441 517 362
    11 54,958 522 365
    12 55,480 527 369
    13 56,007 532 372
    14 56,540 537 376
    15 57,077 542 380
    16 57,619 547 383
    17 58,166 553 387
    18 58,719 558 390
    19 59,277 563 394
    20 59,840 568 398
    TOTAL $10,408 $7,286
  • 2
    ONLINE CD
    Department of Commerce
    2.18%
    -
    $50,000
    12 Month
    Credit Union
    3.95x (National Avg. - 0.55%)
    $500
     
    SCENARIO
    Year Rate
    2.18%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,090 763
    2 51,090 1,114 780
    3 52,204 1,138 797
    4 53,342 1,163 814
    5 54,505 1,188 832
    6 55,693 1,214 850
    7 56,907 1,241 868
    8 58,148 1,268 887
    9 59,415 1,295 907
    10 60,710 1,323 926
    11 62,034 1,352 947
    12 63,386 1,382 967
    13 64,768 1,412 988
    14 66,180 1,443 1,010
    15 67,623 1,474 1,032
    16 69,097 1,506 1,054
    17 70,603 1,539 1,077
    18 72,142 1,573 1,101
    19 73,715 1,607 1,125
    20 75,322 1,642 1,149
    TOTAL $26,964 $18,875

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

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

    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 June 14, 2025

    This page was created in 0.0948 seconds.