Compare Savings vs. CDs
Comparison of Deposit Account from F A A with 0.58%
- September 2026
Long-Term Analysis of F A A with 0.58% APY and CARTER with 1.20% APY and CHARTWAY with 0.05% APY and ASCEND with 0.50% APY and ASCEND with 3.20% 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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- 1LOCAL CD0.58%-$50,00030 MonthCredit UnionN.A.$50,000SCENARIO
Year Rate
0.58%Annual
InterestAnnual 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 - 2LOCAL CD1.20%-$50,00012 MonthCredit Union2.18x (National Avg. - 0.55%)$100,000SCENARIO
Year Rate
1.20%Annual
InterestAnnual 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 - 3LOCAL SAVINGS0.05%-$50,000N.A.Credit Union0.21x (National Avg. - 0.23%)$100SCENARIO
Year Rate
0.05%Annual
InterestAnnual Interest
(After Tax)1 50,000 25 18 2 50,025 25 18 3 50,050 25 18 4 50,075 25 18 5 50,100 25 18 6 50,125 25 18 7 50,150 25 18 8 50,175 25 18 9 50,200 25 18 10 50,225 25 18 11 50,251 25 18 12 50,276 25 18 13 50,301 25 18 14 50,326 25 18 15 50,351 25 18 16 50,376 25 18 17 50,402 25 18 18 50,427 25 18 19 50,452 25 18 20 50,477 25 18 TOTAL $502 $352 - 4LOCAL MONEY MARKET0.50%-$50,000N.A.Credit Union2.15x (National Avg. - 0.23%)$2,500SCENARIO
Year Rate
0.50%Annual
InterestAnnual Interest
(After Tax)1 50,000 250 175 2 50,250 251 176 3 50,501 253 177 4 50,754 254 178 5 51,008 255 179 6 51,263 256 179 7 51,519 258 180 8 51,776 259 181 9 52,035 260 182 10 52,296 261 183 11 52,557 263 184 12 52,820 264 185 13 53,084 265 186 14 53,349 267 187 15 53,616 268 188 16 53,884 269 189 17 54,154 271 190 18 54,424 272 190 19 54,696 273 191 20 54,970 275 192 TOTAL $5,245 $3,671 - 5LOCAL CD3.20%-$50,00054 MonthCredit UnionN.A.$1,000SCENARIO
Year Rate
3.20%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,600 1,120 2 51,600 1,651 1,156 3 53,251 1,704 1,193 4 54,955 1,759 1,231 5 56,714 1,815 1,270 6 58,529 1,873 1,311 7 60,402 1,933 1,353 8 62,334 1,995 1,396 9 64,329 2,059 1,441 10 66,388 2,124 1,487 11 68,512 2,192 1,535 12 70,704 2,263 1,584 13 72,967 2,335 1,634 14 75,302 2,410 1,687 15 77,712 2,487 1,741 16 80,198 2,566 1,796 17 82,765 2,648 1,854 18 85,413 2,733 1,913 19 88,146 2,821 1,974 20 90,967 2,911 2,038 TOTAL $43,878 $30,715
All calculations are for demonstration purposes only.
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
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4.50% | $100,000 |
Learn More on the North American Savings Bank, F.S.B. website |
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4.65% |
$1,000 |
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Last change: ↑0.35% on September 25. |
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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% |
$2,500 |
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Last change: ↑0.10% on September 25. |
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