Compare Savings vs. CDs
Comparison of Deposit Account from F&M Bank with 0.40%
- October 2026
Long-Term Analysis of MEDIA CITY with 0.90% APY and F&M Bank with 0.40% APY and State Bank Northwest with 0.10% APY and AMERICAN AIRLINES with 3.92% 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
- 1LOCAL CD0.90%-$50,00048 MonthCredit Union1.09x (National Avg. - 0.82%)$100,000SCENARIO
Year Rate
0.90%Annual
InterestAnnual Interest
(After Tax)1 50,000 450 315 2 50,450 454 318 3 50,904 458 321 4 51,362 462 324 5 51,824 466 326 6 52,291 471 329 7 52,761 475 332 8 53,236 479 335 9 53,715 483 338 10 54,199 488 341 11 54,687 492 345 12 55,179 497 348 13 55,675 501 351 14 56,177 506 354 15 56,682 510 357 16 57,192 515 360 17 57,707 519 364 18 58,226 524 367 19 58,750 529 370 20 59,279 534 373 TOTAL $9,813 $6,869 - 2LOCAL CD0.40%-$50,00018 MonthBank0.69x (National Avg. - 0.58%)$100,000SCENARIO
Year Rate
0.40%Annual
InterestAnnual 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 - 3N.A.0.10%-$50,000N.A.Bank0.17x (National Avg. - 0.58%)$25,000SCENARIO
Year Rate
0.10%Annual
InterestAnnual Interest
(After Tax)1 50,000 50 35 2 50,050 50 35 3 50,100 50 35 4 50,150 50 35 5 50,200 50 35 6 50,251 50 35 7 50,301 50 35 8 50,351 50 35 9 50,401 50 35 10 50,452 50 35 11 50,502 51 35 12 50,553 51 35 13 50,603 51 35 14 50,654 51 35 15 50,705 51 35 16 50,755 51 36 17 50,806 51 36 18 50,857 51 36 19 50,908 51 36 20 50,959 51 36 TOTAL $1,010 $707 - 4LOCAL CD3.92%-$50,00012 MonthCredit Union7.11x (National Avg. - 0.55%)$10,000SCENARIO
Year Rate
3.92%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,960 1,372 2 51,960 2,037 1,426 3 53,997 2,117 1,482 4 56,114 2,200 1,540 5 58,313 2,286 1,600 6 60,599 2,375 1,663 7 62,975 2,469 1,728 8 65,443 2,565 1,796 9 68,008 2,666 1,866 10 70,674 2,770 1,939 11 73,445 2,879 2,015 12 76,324 2,992 2,094 13 79,316 3,109 2,176 14 82,425 3,231 2,262 15 85,656 3,358 2,350 16 89,014 3,489 2,443 17 92,503 3,626 2,538 18 96,129 3,768 2,638 19 99,897 3,916 2,741 20 103,813 4,069 2,849 TOTAL $57,883 $40,518
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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Take your savings to the next level with our 12-month online CD special! 12-Month |
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4.95% |
$10,000 |
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Last change: ↑0.45% on October 1. |
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4.85% |
$10,000 |
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Last change: ↑0.35% on October 1. |
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4.80% |
$10,000 |
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Last change: ↑0.30% on October 1. |
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4.65% |
$1,000 |
Learn More | |
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Last change: ↑0.35% on September 25. |
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