Compare Savings vs. CDs
Comparison of Deposit Account from DIRECT with 4.30%
- September 2026
Long-Term Analysis of WORKERS with 3.15% APY and DIRECT with 4.30% 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
- 1LOCAL CD3.15%-$50,00060 MonthCredit Union3.40x (National Avg. - 0.93%)$500SCENARIO
Year Rate
3.15%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,575 1,103 2 51,575 1,625 1,137 3 53,200 1,676 1,173 4 54,875 1,729 1,210 5 56,604 1,783 1,248 6 58,387 1,839 1,287 7 60,226 1,897 1,328 8 62,123 1,957 1,370 9 64,080 2,019 1,413 10 66,099 2,082 1,457 11 68,181 2,148 1,503 12 70,329 2,215 1,551 13 72,544 2,285 1,600 14 74,829 2,357 1,650 15 77,186 2,431 1,702 16 79,617 2,508 1,756 17 82,125 2,587 1,811 18 84,712 2,668 1,868 19 87,381 2,752 1,927 20 90,133 2,839 1,987 TOTAL $42,973 $30,081 - 2LOCAL CD4.30%-$50,00060 MonthCredit Union4.64x (National Avg. - 0.93%)$100,000SCENARIO
Year Rate
4.30%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,150 1,505 2 52,150 2,242 1,570 3 54,392 2,339 1,637 4 56,731 2,439 1,708 5 59,171 2,544 1,781 6 61,715 2,654 1,858 7 64,369 2,768 1,938 8 67,137 2,887 2,021 9 70,024 3,011 2,108 10 73,035 3,140 2,198 11 76,175 3,276 2,293 12 79,451 3,416 2,391 13 82,867 3,563 2,494 14 86,430 3,717 2,602 15 90,147 3,876 2,713 16 94,023 4,043 2,830 17 98,066 4,217 2,952 18 102,283 4,398 3,079 19 106,681 4,587 3,211 20 111,268 4,785 3,349 TOTAL $66,053 $46,237
All calculations are for demonstration purposes only.
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
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4.35% | $100,000 |
Learn More on the North American Savings Bank, F.S.B. website |
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Take your savings to the next level with our 12-month online CD special! 12-Month |
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4.50% |
$500 |
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Last change: ↑0.45% on April 27. |
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4.50% |
$500 |
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Last change: ↑0.43% on April 27. |
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4.50% |
$10,000 |
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Last change: ↑0.65% on August 6. |
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4.50% |
$10,000 |
Learn More | |
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Last change: ↑1.20% on August 6. |
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