• Home
  • Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from HARBOR POINTE with 0.30% - September 2026


Long-Term Analysis of FREMONT with 0.20% APY and AFENA with 2.27% APY and MEMBERS PLUS with 1.03% APY and HARBOR POINTE with 0.30% APY and ACCLAIM with 0.85% APY and WELCOME with 1.00% 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
    FREMONT
    0.20%
    -
    $50,000
    18 Month
    Credit Union
    0.35x (National Avg. - 0.58%)
    $1,000
     
    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
  • 2
    LOCAL CD
    AFENA
    2.27%
    -
    $50,000
    12 Month
    Credit Union
    4.13x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    2.27%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,135 795
    2 51,135 1,161 813
    3 52,296 1,187 831
    4 53,483 1,214 850
    5 54,697 1,242 869
    6 55,939 1,270 889
    7 57,208 1,299 909
    8 58,507 1,328 930
    9 59,835 1,358 951
    10 61,193 1,389 972
    11 62,582 1,421 994
    12 64,003 1,453 1,017
    13 65,456 1,486 1,040
    14 66,942 1,520 1,064
    15 68,461 1,554 1,088
    16 70,015 1,589 1,113
    17 71,605 1,625 1,138
    18 73,230 1,662 1,164
    19 74,893 1,700 1,190
    20 76,593 1,739 1,217
    TOTAL $28,331 $19,832
  • 3
    LOCAL CD
    MEMBERS PLUS
    1.03%
    -
    $50,000
    24 Month
    Credit Union
    1.55x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    1.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 515 361
    2 50,515 520 364
    3 51,035 526 368
    4 51,561 531 372
    5 52,092 537 376
    6 52,629 542 379
    7 53,171 548 383
    8 53,718 553 387
    9 54,272 559 391
    10 54,831 565 395
    11 55,395 571 399
    12 55,966 576 404
    13 56,542 582 408
    14 57,125 588 412
    15 57,713 594 416
    16 58,308 601 420
    17 58,908 607 425
    18 59,515 613 429
    19 60,128 619 434
    20 60,747 626 438
    TOTAL $11,373 $7,961
  • 4
    LOCAL CD
    HARBOR POINTE
    0.30%
    -
    $50,000
    12 Month
    Credit Union
    0.55x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 5
    LOCAL CD
    ACCLAIM
    0.85%
    -
    $50,000
    48 Month
    Credit Union
    1.03x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456
  • 6
    LOCAL CD
    WELCOME
    1.00%
    -
    $50,000
    60 Month
    Credit Union
    1.08x (National Avg. - 0.93%)
    $10,000
     
    SCENARIO
    Year Rate
    1.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 500 350
    2 50,500 505 354
    3 51,005 510 357
    4 51,515 515 361
    5 52,030 520 364
    6 52,551 526 368
    7 53,076 531 372
    8 53,607 536 375
    9 54,143 541 379
    10 54,684 547 383
    11 55,231 552 387
    12 55,783 558 390
    13 56,341 563 394
    14 56,905 569 398
    15 57,474 575 402
    16 58,048 580 406
    17 58,629 586 410
    18 59,215 592 415
    19 59,807 598 419
    20 60,405 604 423
    TOTAL $11,010 $7,707

    All calculations are for demonstration purposes only.

    Featured CD Rates

    Advertiser Disclosure
    ONLINE BANKS APY? MIN?

    Take your savings to the next level with our 12-month online CD special!

    12-Month

    Last change: ↑0.45% on April 27.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↑0.43% on April 27.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↑0.65% on August 6.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑1.20% on August 6.
    Early Withdrawal Penalty is 365 days interest.

    Reddit
    Get rate alerts on the go. Download our app. Get it on Google Play

    Featured on:

    Copyright © 2026 BestCashCow.com, LLC. All Rights Reserved. Our Terms and Conditions • AI Policy • Privacy Policy + CCPA

    Disclosure Governing Your Use of this Website | Advertising Disclosure

    Last Update on September 19, 2026

    This page was created in 0.1462 seconds.