Compare Savings vs. CDs
Comparison of Deposit Account from H E B with 0.58% - July 2025


Long-Term Analysis of Mascoma Bank with 0.90% APY and KELLY COMMUNITY with 1.51% APY and H E B with 0.58% 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
    0.90%
    -
    $50,000
    60 Month
    Bank
    0.98x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.90%
    Annual
    Interest
    Annual 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
  • 2
    LOCAL CD
    1.51%
    -
    $50,000
    60 Month
    Credit Union
    1.64x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.51%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 756 529
    2 50,756 767 537
    3 51,522 779 545
    4 52,301 790 553
    5 53,091 802 562
    6 53,893 814 570
    7 54,708 827 579
    8 55,534 839 587
    9 56,373 852 596
    10 57,225 865 605
    11 58,090 878 614
    12 58,968 891 624
    13 59,859 904 633
    14 60,763 918 643
    15 61,681 932 652
    16 62,613 946 662
    17 63,559 960 672
    18 64,520 975 682
    19 65,495 990 693
    20 66,484 1,005 703
    TOTAL $17,489 $12,242
  • 3
    LOCAL CD
    0.58%
    -
    $50,000
    24 Month
    Credit Union
    0.88x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.58%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 290 203
    2 50,290 292 204
    3 50,582 293 205
    4 50,875 295 207
    5 51,170 297 208
    6 51,467 299 209
    7 51,765 300 210
    8 52,066 302 211
    9 52,368 304 213
    10 52,671 305 214
    11 52,977 307 215
    12 53,284 309 216
    13 53,593 311 218
    14 53,904 313 219
    15 54,217 314 220
    16 54,531 316 221
    17 54,847 318 223
    18 55,166 320 224
    19 55,485 322 225
    20 55,807 324 227
    TOTAL $6,131 $4,292

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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

    Last change: ↑0.06% on June 24.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.20% on April 9.

    Last change: ↑0.34% on May 27.
    Warning: Early Withdrawal Penalty is 180 days interest.