Compare Savings vs. CDs
Comparison of Deposit Account from Fall River Five Cents Savings Bank with 3.02% - July 2025


Long-Term Analysis of Community State Bank of Rock Falls with 0.65% APY and Fall River Five Cents Savings Bank with 3.02% 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
    0.65%
    -
    $50,000
    18 Month
    Bank
    1.12x (National Avg. - 0.58%)
    $1,000
     
    SCENARIO
    Year Rate
    0.65%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842
  • 2
    LOCAL MONEY MARKET
    3.02%
    -
    $50,000
    N.A.
    Bank
    5.21x (National Avg. - 0.58%)
    $25,000
     
    SCENARIO
    Year Rate
    3.02%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,510 1,057
    2 51,510 1,556 1,089
    3 53,066 1,603 1,122
    4 54,668 1,651 1,156
    5 56,319 1,701 1,191
    6 58,020 1,752 1,227
    7 59,772 1,805 1,264
    8 61,577 1,860 1,302
    9 63,437 1,916 1,341
    10 65,353 1,974 1,382
    11 67,326 2,033 1,423
    12 69,360 2,095 1,466
    13 71,454 2,158 1,511
    14 73,612 2,223 1,556
    15 75,835 2,290 1,603
    16 78,126 2,359 1,652
    17 80,485 2,431 1,701
    18 82,916 2,504 1,753
    19 85,420 2,580 1,806
    20 87,999 2,658 1,860
    TOTAL $40,657 $28,460

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.06% on June 24.

    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.