Compare Savings vs. CDs
Comparison of Deposit Account from DIRECT with 5.55% - November 2025


Long-Term Analysis of DIRECT with 5.55% APY and DIRECT with 5.05% 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
    5.55%
    -
    $50,000
    6 Month
    Credit Union
    13.67x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    5.55%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,775 1,943
    2 52,775 2,929 2,050
    3 55,704 3,092 2,164
    4 58,796 3,263 2,284
    5 62,059 3,444 2,411
    6 65,503 3,635 2,545
    7 69,138 3,837 2,686
    8 72,976 4,050 2,835
    9 77,026 4,275 2,992
    10 81,301 4,512 3,159
    11 85,813 4,763 3,334
    12 90,575 5,027 3,519
    13 95,602 5,306 3,714
    14 100,908 5,600 3,920
    15 106,509 5,911 4,138
    16 112,420 6,239 4,368
    17 118,659 6,586 4,610
    18 125,245 6,951 4,866
    19 132,196 7,337 5,136
    20 139,533 7,744 5,421
    TOTAL $97,277 $68,094
  • 2
    LOCAL CD
    5.05%
    -
    $50,000
    9 Month
    Credit Union
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    5.05%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,525 1,768
    2 52,525 2,653 1,857
    3 55,178 2,786 1,951
    4 57,964 2,927 2,049
    5 60,891 3,075 2,153
    6 63,966 3,230 2,261
    7 67,196 3,393 2,375
    8 70,590 3,565 2,495
    9 74,155 3,745 2,621
    10 77,899 3,934 2,754
    11 81,833 4,133 2,893
    12 85,966 4,341 3,039
    13 90,307 4,561 3,192
    14 94,868 4,791 3,354
    15 99,659 5,033 3,523
    16 104,691 5,287 3,701
    17 109,978 5,554 3,888
    18 115,532 5,834 4,084
    19 121,367 6,129 4,290
    20 127,496 6,439 4,507
    TOTAL $83,934 $58,754

    All calculations are for demonstration purposes only.

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