Compare Savings vs. CDs
Comparison of Deposit Account from EECU with 3.84% - June 2025


Long-Term Analysis of EECU with 5.10% APY and EECU with 3.84% 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
    5.10%
    -
    $50,000
    12 Month
    Credit Union
    9.24x (National Avg. - 0.55%)
    $1,000
     
    SCENARIO
    Year Rate
    5.10%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,550 1,785
    2 52,550 2,680 1,876
    3 55,230 2,817 1,972
    4 58,047 2,960 2,072
    5 61,007 3,111 2,178
    6 64,119 3,270 2,289
    7 67,389 3,437 2,406
    8 70,825 3,612 2,528
    9 74,437 3,796 2,657
    10 78,234 3,990 2,793
    11 82,224 4,193 2,935
    12 86,417 4,407 3,085
    13 90,824 4,632 3,242
    14 95,456 4,868 3,408
    15 100,325 5,117 3,582
    16 105,441 5,378 3,764
    17 110,819 5,652 3,956
    18 116,471 5,940 4,158
    19 122,411 6,243 4,370
    20 128,654 6,561 4,593
    TOTAL $85,215 $59,650
  • 2
    LOCAL CD
    3.84%
    -
    $50,000
    12 Month
    Credit Union
    6.96x (National Avg. - 0.55%)
    $5,000
     
    SCENARIO
    Year Rate
    3.84%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,920 1,344
    2 51,920 1,994 1,396
    3 53,914 2,070 1,449
    4 55,984 2,150 1,505
    5 58,134 2,232 1,563
    6 60,366 2,318 1,623
    7 62,684 2,407 1,685
    8 65,091 2,500 1,750
    9 67,591 2,595 1,817
    10 70,186 2,695 1,887
    11 72,881 2,799 1,959
    12 75,680 2,906 2,034
    13 78,586 3,018 2,112
    14 81,604 3,134 2,194
    15 84,737 3,254 2,278
    16 87,991 3,379 2,365
    17 91,370 3,509 2,456
    18 94,879 3,643 2,550
    19 98,522 3,783 2,648
    20 102,305 3,929 2,750
    TOTAL $56,234 $39,364

    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.