Compare Savings vs. CDs
Comparison of Deposit Account from ENERGY ONE with 0.90% - November 2025


Long-Term Analysis of ENERGY ONE with 0.90% APY and Northeast Georgia Bank with 0.58% 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
    0.90%
    -
    $50,000
    24 Month
    Credit Union
    1.36x (National Avg. - 0.66%)
    $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
  • 2
    LOCAL CD
    0.58%
    -
    $50,000
    60 Month
    Bank
    0.62x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.58%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 288 201
    2 50,288 289 202
    3 50,577 291 204
    4 50,867 292 205
    5 51,160 294 206
    6 51,454 296 207
    7 51,750 298 208
    8 52,048 299 209
    9 52,347 301 211
    10 52,648 303 212
    11 52,951 304 213
    12 53,255 306 214
    13 53,561 308 216
    14 53,869 310 217
    15 54,179 312 218
    16 54,490 313 219
    17 54,804 315 221
    18 55,119 317 222
    19 55,436 319 223
    20 55,755 321 224
    TOTAL $6,075 $4,253

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.

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    3 Month CD.

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