• Home
  • Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from EECU with 4.85% - August 2025


Long-Term Analysis of Community Bank of Pickens County with 0.85% APY and AIR ACADEMY with 3.40% APY and First Bank with 0.70% APY and F & M Bank and Trust Company with 0.90% APY and HORIZON with 0.80% APY and SUMMIT with 0.75% APY and EMPOWER with 3.80% APY and INNER LAKES with 3.76% APY and EECU with 4.85% APY and ENERGY ONE with 0.80% APY and ARGENT with 1.00% APY and PROVIDENT with 2.30% APY and COMMUNITY CREDIT UNION OF FLORIDA with 1.20% APY and Johnson Bank with 3.31% 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
    Community Bank of Pickens County
    0.85%
    -
    $50,000
    60 Month
    Bank
    0.92x (National Avg. - 0.92%)
    $500
     
    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
  • 2
    LOCAL CD
    AIR ACADEMY
    3.40%
    -
    $50,000
    36 Month
    Credit Union
    4.51x (National Avg. - 0.75%)
    $500
     
    SCENARIO
    Year Rate
    3.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,700 1,190
    2 51,700 1,758 1,230
    3 53,458 1,818 1,272
    4 55,275 1,879 1,316
    5 57,155 1,943 1,360
    6 59,098 2,009 1,407
    7 61,107 2,078 1,454
    8 63,185 2,148 1,504
    9 65,333 2,221 1,555
    10 67,555 2,297 1,608
    11 69,851 2,375 1,662
    12 72,226 2,456 1,719
    13 74,682 2,539 1,777
    14 77,221 2,626 1,838
    15 79,847 2,715 1,900
    16 82,562 2,807 1,965
    17 85,369 2,903 2,032
    18 88,271 3,001 2,101
    19 91,272 3,103 2,172
    20 94,376 3,209 2,246
    TOTAL $47,584 $33,309
  • 3
    LOCAL CD
    First Bank
    0.70%
    -
    $50,000
    24 Month
    Bank
    1.06x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 351 246
    2 50,351 353 247
    3 50,704 356 249
    4 51,060 358 251
    5 51,419 361 253
    6 51,780 363 254
    7 52,143 366 256
    8 52,509 369 258
    9 52,878 371 260
    10 53,249 374 262
    11 53,623 376 264
    12 53,999 379 265
    13 54,378 382 267
    14 54,760 384 269
    15 55,145 387 271
    16 55,532 390 273
    17 55,922 393 275
    18 56,314 395 277
    19 56,709 398 279
    20 57,108 401 281
    TOTAL $7,508 $5,256
  • 4
    LOCAL CD
    F & M Bank and Trust Company
    0.90%
    -
    $50,000
    60 Month
    Bank
    0.98x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 5
    LOCAL CD
    HORIZON
    0.80%
    -
    $50,000
    60 Month
    Credit Union
    0.87x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 6
    LOCAL CD
    SUMMIT
    0.75%
    -
    $50,000
    18 Month
    Credit Union
    1.29x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 7
    LOCAL CD
    EMPOWER
    3.80%
    -
    $50,000
    48 Month
    Credit Union
    4.65x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    3.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,900 1,330
    2 51,900 1,972 1,381
    3 53,872 2,047 1,433
    4 55,919 2,125 1,487
    5 58,044 2,206 1,544
    6 60,250 2,289 1,603
    7 62,539 2,376 1,664
    8 64,916 2,467 1,727
    9 67,383 2,561 1,792
    10 69,943 2,658 1,860
    11 72,601 2,759 1,931
    12 75,360 2,864 2,005
    13 78,224 2,972 2,081
    14 81,196 3,085 2,160
    15 84,282 3,203 2,242
    16 87,484 3,324 2,327
    17 90,809 3,451 2,416
    18 94,259 3,582 2,507
    19 97,841 3,718 2,603
    20 101,559 3,859 2,701
    TOTAL $55,419 $38,793
  • 8
    LOCAL CD
    INNER LAKES
    3.76%
    -
    $50,000
    18 Month
    Credit Union
    6.47x (National Avg. - 0.58%)
    $500
     
    SCENARIO
    Year Rate
    3.76%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,880 1,316
    2 51,880 1,951 1,365
    3 53,831 2,024 1,417
    4 55,855 2,100 1,470
    5 57,955 2,179 1,525
    6 60,134 2,261 1,583
    7 62,395 2,346 1,642
    8 64,741 2,434 1,704
    9 67,175 2,526 1,768
    10 69,701 2,621 1,835
    11 72,322 2,719 1,904
    12 75,041 2,822 1,975
    13 77,863 2,928 2,049
    14 80,790 3,038 2,126
    15 83,828 3,152 2,206
    16 86,980 3,270 2,289
    17 90,250 3,393 2,375
    18 93,644 3,521 2,465
    19 97,165 3,653 2,557
    20 100,818 3,791 2,654
    TOTAL $54,609 $38,226
  • 9
    LOCAL CD
    EECU
    4.85%
    -
    $50,000
    24 Month
    Credit Union
    7.35x (National Avg. - 0.66%)
    $50,000
     
    SCENARIO
    Year Rate
    4.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,425 1,698
    2 52,425 2,543 1,780
    3 54,968 2,666 1,866
    4 57,634 2,795 1,957
    5 60,429 2,931 2,052
    6 63,360 3,073 2,151
    7 66,433 3,222 2,255
    8 69,654 3,378 2,365
    9 73,033 3,542 2,479
    10 76,575 3,714 2,600
    11 80,289 3,894 2,726
    12 84,183 4,083 2,858
    13 88,266 4,281 2,997
    14 92,546 4,489 3,142
    15 97,035 4,706 3,294
    16 101,741 4,934 3,454
    17 106,676 5,174 3,622
    18 111,849 5,425 3,797
    19 117,274 5,688 3,981
    20 122,962 5,964 4,175
    TOTAL $78,925 $55,248
  • 10
    LOCAL CD
    ENERGY ONE
    0.80%
    -
    $50,000
    12 Month
    Credit Union
    1.45x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 11
    LOCAL CD
    ARGENT
    1.00%
    -
    $50,000
    12 Month
    Credit Union
    1.81x (National Avg. - 0.55%)
    $500
     
    SCENARIO
    Year Rate
    1.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 500 350
    2 50,500 505 354
    3 51,005 510 357
    4 51,515 515 361
    5 52,030 520 364
    6 52,551 526 368
    7 53,076 531 372
    8 53,607 536 375
    9 54,143 541 379
    10 54,684 547 383
    11 55,231 552 387
    12 55,783 558 390
    13 56,341 563 394
    14 56,905 569 398
    15 57,474 575 402
    16 58,048 580 406
    17 58,629 586 410
    18 59,215 592 415
    19 59,807 598 419
    20 60,405 604 423
    TOTAL $11,010 $7,707
  • 12
    LOCAL CD
    PROVIDENT
    2.30%
    -
    $50,000
    12 Month
    Credit Union
    4.17x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    2.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,150 805
    2 51,150 1,176 824
    3 52,326 1,204 842
    4 53,530 1,231 862
    5 54,761 1,260 882
    6 56,021 1,288 902
    7 57,309 1,318 923
    8 58,627 1,348 944
    9 59,976 1,379 966
    10 61,355 1,411 988
    11 62,766 1,444 1,011
    12 64,210 1,477 1,034
    13 65,687 1,511 1,058
    14 67,198 1,546 1,082
    15 68,743 1,581 1,107
    16 70,324 1,617 1,132
    17 71,942 1,655 1,158
    18 73,596 1,693 1,185
    19 75,289 1,732 1,212
    20 77,021 1,771 1,240
    TOTAL $28,792 $20,154
  • 13
    LOCAL SAVINGS
    COMMUNITY CREDIT UNION OF FLORIDA
    1.20%
    -
    $50,000
    N.A.
    Credit Union
    5.33x (National Avg. - 0.23%)
    $50,000
     
    SCENARIO
    Year Rate
    1.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 600 420
    2 50,600 607 425
    3 51,207 614 430
    4 51,822 622 435
    5 52,444 629 441
    6 53,073 637 446
    7 53,710 645 451
    8 54,354 652 457
    9 55,007 660 462
    10 55,667 668 468
    11 56,335 676 473
    12 57,011 684 479
    13 57,695 692 485
    14 58,387 701 490
    15 59,088 709 496
    16 59,797 718 502
    17 60,514 726 508
    18 61,240 735 514
    19 61,975 744 521
    20 62,719 753 527
    TOTAL $13,472 $9,430
  • 14
    LOCAL CD
    Johnson Bank
    3.31%
    -
    $50,000
    18 Month
    Bank
    5.70x (National Avg. - 0.58%)
    $5,000
     
    SCENARIO
    Year Rate
    3.31%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,655 1,159
    2 51,655 1,710 1,197
    3 53,365 1,766 1,236
    4 55,131 1,825 1,277
    5 56,956 1,885 1,320
    6 58,841 1,948 1,363
    7 60,789 2,012 1,408
    8 62,801 2,079 1,455
    9 64,880 2,148 1,503
    10 67,027 2,219 1,553
    11 69,246 2,292 1,604
    12 71,538 2,368 1,658
    13 73,906 2,446 1,712
    14 76,352 2,527 1,769
    15 78,879 2,611 1,828
    16 81,490 2,697 1,888
    17 84,188 2,787 1,951
    18 86,974 2,879 2,015
    19 89,853 2,974 2,082
    20 92,827 3,073 2,151
    TOTAL $45,900 $32,130

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

    Last change: ↑0.10% on July 13.

    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 August 1, 2025

    This page was created in 1.9391 seconds.