Compare Savings vs. CDs
Comparison of Deposit Account from GNBank, National Association with 0.20% - May 2025


Long-Term Analysis of GNBank, National Association with 0.75% APY and GNBank, National Association with 0.20% 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
    0.75%
    -
    $50,000
    36 Month
    Bank
    1.00x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.75%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 376 263
    2 50,376 379 265
    3 50,755 382 267
    4 51,137 385 269
    5 51,521 387 271
    6 51,908 390 273
    7 52,299 393 275
    8 52,692 396 277
    9 53,088 399 279
    10 53,488 402 282
    11 53,890 405 284
    12 54,295 408 286
    13 54,703 411 288
    14 55,115 414 290
    15 55,529 418 292
    16 55,947 421 295
    17 56,368 424 297
    18 56,791 427 299
    19 57,218 430 301
    20 57,649 434 303
    TOTAL $8,082 $5,658
  • 2
    LOCAL MONEY MARKET
    0.20%
    -
    $50,000
    N.A.
    Bank
    0.27x (National Avg. - 0.75%)
    $25,000
     
    SCENARIO
    Year Rate
    0.20%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↓0.05% on April 30.
    6 Month Jumbo CD.

    Last change: ↑0.20% on April 9.

    Last change: ↓0.50% on February 25.