Compare Savings vs. CDs
Comparison of Deposit Account from Guaranty Bank and Trust Company with 0.53% - December 2025


Long-Term Analysis of PROFED with 0.05% APY and Guaranty Bank and Trust Company with 0.53% 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 MONEY MARKET
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $2,500
     
    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
  • 2
    LOCAL CD
    0.53%
    -
    $50,000
    36 Month
    Bank
    0.70x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.53%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 263 184
    2 50,263 264 185
    3 50,526 265 186
    4 50,792 267 187
    5 51,058 268 188
    6 51,326 269 189
    7 51,596 271 190
    8 51,867 272 191
    9 52,139 274 192
    10 52,413 275 193
    11 52,688 277 194
    12 52,965 278 195
    13 53,243 280 196
    14 53,522 281 197
    15 53,803 282 198
    16 54,086 284 199
    17 54,369 285 200
    18 54,655 287 201
    19 54,942 288 202
    20 55,230 290 203
    TOTAL $5,520 $3,864

    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: ↓0.15% on November 26.

    Last change: ↓0.10% on September 17.

    Last change: ↓0.05% on December 8.