Home
Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from First Financial Bank with 0.35% - June 2025

Long-Term Analysis of Monterey County Bank with 0.05% APY and First Financial Bank with 0.35% APY and First Financial Bank with 0.40% APY and FIREFIGHTERS & COMPANY with 1.04% 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 MONEY MARKET

Monterey County Bank

0.05%

$50,000

N.A.

Bank

N.A.

$10,000

SCENARIO

Year	Rate 0.05%	Annual Interest	Annual 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

LOCAL CD

First Financial Bank

0.35%

$50,000

6 Month

Bank

0.86x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	175	123
2	50,175	176	123
3	50,351	176	123
4	50,527	177	124
5	50,704	177	124
6	50,881	178	125
7	51,059	179	125
8	51,238	179	126
9	51,417	180	126
10	51,597	181	126
11	51,778	181	127
12	51,959	182	127
13	52,141	182	128
14	52,323	183	128
15	52,507	184	129
16	52,690	184	129
17	52,875	185	130
18	53,060	186	130
19	53,245	186	130
20	53,432	187	131
	TOTAL	$3,619	$2,533

LOCAL CD

First Financial Bank

0.40%

$50,000

6 Month

Bank

0.98x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

FIREFIGHTERS & COMPANY

1.04%

$50,000

48 Month

Credit Union

1.27x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.04%	Annual Interest	Annual Interest (After Tax)
1	50,000	520	364
2	50,520	525	368
3	51,045	531	372
4	51,576	536	375
5	52,113	542	379
6	52,655	548	383
7	53,202	553	387
8	53,756	559	391
9	54,315	565	395
10	54,879	571	400
11	55,450	577	404
12	56,027	583	408
13	56,610	589	412
14	57,198	595	416
15	57,793	601	421
16	58,394	607	425
17	59,002	614	430
18	59,615	620	434
19	60,235	626	439
20	60,862	633	443
	TOTAL	$11,495	$8,046

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
First Internet Bank of Indiana	4.49%	$1,000	Learn More
Last change: ↑0.34% on May 27. Warning: Early Withdrawal Penalty is 180 days interest.
Finworth, a division of InsBank	4.46%	$50,000	Learn More
Last change: ↑0.26% on April 9. Early Withdrawal Penalty is 6 months interest.

Compare Savings vs. CDs Comparison of Deposit Account from First Financial Bank with 0.35% - June 2025

Long-Term Analysis of Monterey County Bank with 0.05% APY and First Financial Bank with 0.35% APY and First Financial Bank with 0.40% APY and FIREFIGHTERS & COMPANY with 1.04% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from First Financial Bank with 0.35% - June 2025