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Comparison of Deposit Account from GALE with 1.26% - December 2025


Long-Term Analysis of GALE with 1.26% APY and RIVER WORKS with 0.75% 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

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    GALE
    1.26%
    -
    $50,000
    48 Month
    Credit Union
    1.53x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.26%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 628 440
    2 50,628 636 445
    3 51,264 644 451
    4 51,908 652 456
    5 52,560 660 462
    6 53,220 668 468
    7 53,888 677 474
    8 54,565 685 480
    9 55,250 694 486
    10 55,944 703 492
    11 56,647 711 498
    12 57,359 720 504
    13 58,079 729 511
    14 58,808 739 517
    15 59,547 748 524
    16 60,295 757 530
    17 61,052 767 537
    18 61,819 776 544
    19 62,596 786 550
    20 63,382 796 557
    TOTAL $14,178 $9,925
  • 2
    LOCAL CD
    RIVER WORKS
    0.75%
    -
    $50,000
    48 Month
    Credit Union
    0.92x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↑0.05% on December 1.

    Last change: ↑0.10% on December 1.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↓0.15% on November 26.

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    Last Update on December 13, 2025

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