Home
Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from First Century Bank with 0.52% - November 2025

Long-Term Analysis of SAINT LAWRENCE with 1.11% APY and First Century Bank with 0.52% APY and SUMMIT with 2.25% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

SAINT LAWRENCE

1.11%

$50,000

12 Month

Credit Union

2.02x (National Avg. - 0.55%)

$25,000

SCENARIO

Year	Rate 1.11%	Annual Interest	Annual Interest (After Tax)
1	50,000	555	389
2	50,555	561	393
3	51,116	567	397
4	51,684	574	402
5	52,257	580	406
6	52,837	586	411
7	53,424	593	415
8	54,017	600	420
9	54,616	606	424
10	55,223	613	429
11	55,836	620	434
12	56,455	627	439
13	57,082	634	444
14	57,716	641	448
15	58,356	648	453
16	59,004	655	458
17	59,659	662	464
18	60,321	670	469
19	60,991	677	474
20	61,668	685	479
	TOTAL	$12,352	$8,647

LOCAL CD

First Century Bank

0.52%

$50,000

18 Month

Bank

0.90x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.52%	Annual Interest	Annual Interest (After Tax)
1	50,000	260	182
2	50,260	261	183
3	50,521	263	184
4	50,784	264	185
5	51,048	265	186
6	51,314	267	187
7	51,580	268	188
8	51,849	270	189
9	52,118	271	190
10	52,389	272	191
11	52,662	274	192
12	52,936	275	193
13	53,211	277	194
14	53,487	278	195
15	53,766	280	196
16	54,045	281	197
17	54,326	282	198
18	54,609	284	199
19	54,893	285	200
20	55,178	287	201
	TOTAL	$5,465	$3,826

LOCAL CD

SUMMIT

2.25%

$50,000

12 Month

Credit Union

4.10x (National Avg. - 0.55%)

$500

SCENARIO

Year	Rate 2.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,125	788
2	51,125	1,150	805
3	52,275	1,176	823
4	53,452	1,203	842
5	54,654	1,230	861
6	55,884	1,257	880
7	57,141	1,286	900
8	58,427	1,315	920
9	59,742	1,344	941
10	61,086	1,374	962
11	62,460	1,405	984
12	63,866	1,437	1,006
13	65,302	1,469	1,029
14	66,772	1,502	1,052
15	68,274	1,536	1,075
16	69,810	1,571	1,100
17	71,381	1,606	1,124
18	72,987	1,642	1,150
19	74,629	1,679	1,175
20	76,309	1,717	1,202
	TOTAL	$28,025	$19,618

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18.
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.
Bread Savings, a division of Bread Financial	4.20%	$1,500	Learn More
Last change: ↓0.10% on October 13.
Limelight Bank, A division of Capital Community Bank	4.15%	$1,000	Learn More
Last change: ↓0.15% on October 13.
M.Y. SAFRA BANK, FSB	4.15%	$500	Learn More

Compare Savings vs. CDs Comparison of Deposit Account from First Century Bank with 0.52% - November 2025

Long-Term Analysis of SAINT LAWRENCE with 1.11% APY and First Century Bank with 0.52% APY and SUMMIT with 2.25% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from First Century Bank with 0.52% - November 2025