Compare Savings vs. CDs
Comparison of Deposit Account from Glacier Bank with 0.25% - October 2025


Long-Term Analysis of Freedom Bank with 1.11% APY and Glacier Bank with 0.25% 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.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    1.11%
    -
    $50,000
    36 Month
    Bank
    1.47x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.11%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 553 387
    2 50,553 559 391
    3 51,111 565 395
    4 51,676 571 400
    5 52,247 577 404
    6 52,824 584 409
    7 53,408 590 413
    8 53,998 597 418
    9 54,595 603 422
    10 55,198 610 427
    11 55,808 617 432
    12 56,425 623 436
    13 57,048 630 441
    14 57,679 637 446
    15 58,316 644 451
    16 58,960 652 456
    17 59,612 659 461
    18 60,270 666 466
    19 60,936 673 471
    20 61,610 681 477
    TOTAL $12,291 $8,603
  • 2
    LOCAL CD
    0.25%
    -
    $50,000
    12 Month
    Bank
    0.46x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.25%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792

    All calculations are for demonstration purposes only.

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