Compare Savings vs. CDs
Comparison of Deposit Account from First Federal Bank with 0.26% - November 2025


Long-Term Analysis of First Federal Bank with 0.26% APY and First National Bank of Pasco with 1.00% APY and Marquette Savings Bank with 4.28% 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
    0.26%
    -
    $50,000
    36 Month
    Bank
    0.34x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.26%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 130 91
    2 50,130 130 91
    3 50,260 131 91
    4 50,391 131 92
    5 50,522 131 92
    6 50,653 132 92
    7 50,785 132 92
    8 50,917 132 93
    9 51,050 133 93
    10 51,182 133 93
    11 51,315 133 93
    12 51,449 134 94
    13 51,583 134 94
    14 51,717 134 94
    15 51,851 135 94
    16 51,986 135 95
    17 52,121 136 95
    18 52,257 136 95
    19 52,392 136 95
    20 52,529 137 96
    TOTAL $2,665 $1,866
  • 2
    LOCAL CD
    1.00%
    -
    $50,000
    36 Month
    Bank
    1.33x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    1.00%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 500 350
    2 50,500 505 354
    3 51,005 510 357
    4 51,515 515 361
    5 52,030 520 364
    6 52,551 526 368
    7 53,076 531 372
    8 53,607 536 375
    9 54,143 541 379
    10 54,684 547 383
    11 55,231 552 387
    12 55,783 558 390
    13 56,341 563 394
    14 56,905 569 398
    15 57,474 575 402
    16 58,048 580 406
    17 58,629 586 410
    18 59,215 592 415
    19 59,807 598 419
    20 60,405 604 423
    TOTAL $11,010 $7,707
  • 3
    LOCAL CD
    4.28%
    -
    $50,000
    5 Month
    Bank
    N.A.
    $500
     
    SCENARIO
    Year Rate
    4.28%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,140 1,498
    2 52,140 2,232 1,562
    3 54,372 2,327 1,629
    4 56,699 2,427 1,699
    5 59,125 2,531 1,771
    6 61,656 2,639 1,847
    7 64,295 2,752 1,926
    8 67,047 2,870 2,009
    9 69,916 2,992 2,095
    10 72,909 3,120 2,184
    11 76,029 3,254 2,278
    12 79,283 3,393 2,375
    13 82,677 3,539 2,477
    14 86,215 3,690 2,583
    15 89,905 3,848 2,694
    16 93,753 4,013 2,809
    17 97,766 4,184 2,929
    18 101,950 4,363 3,054
    19 106,313 4,550 3,185
    20 110,864 4,745 3,321
    TOTAL $65,609 $45,926

    All calculations are for demonstration purposes only.

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