Compare Savings vs. CDs
Comparison of Deposit Account from ILLINOIS STATE with 1.17%
- October 2026
Long-Term Analysis of FIRST CITY with 0.60% APY and FIRST CITY with 0.40% APY and ILLINOIS STATE with 1.17% APY and FERGUSON with 1.25% 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.
You May Choose More Savings or CD Products From Among these Popular Products to Compare
- 1LOCAL CD0.60%-$50,00012 MonthCredit Union1.08x (National Avg. - 0.55%)$100,000SCENARIO
Year Rate
0.60%Annual
InterestAnnual Interest
(After Tax)1 50,000 300 210 2 50,300 302 211 3 50,602 304 213 4 50,905 305 214 5 51,211 307 215 6 51,518 309 216 7 51,827 311 218 8 52,138 313 219 9 52,451 315 220 10 52,766 317 222 11 53,082 318 223 12 53,401 320 224 13 53,721 322 226 14 54,044 324 227 15 54,368 326 228 16 54,694 328 230 17 55,022 330 231 18 55,352 332 232 19 55,684 334 234 20 56,019 336 235 TOTAL $6,355 $4,448 - 2LOCAL CD0.40%-$50,0006 MonthCredit Union0.99x (National Avg. - 0.40%)$10,000SCENARIO
Year Rate
0.40%Annual
InterestAnnual Interest
(After Tax)1 50,000 200 140 2 50,200 201 141 3 50,401 202 141 4 50,602 202 142 5 50,805 203 142 6 51,008 204 143 7 51,212 205 143 8 51,417 206 144 9 51,623 206 145 10 51,829 207 145 11 52,036 208 146 12 52,245 209 146 13 52,454 210 147 14 52,663 211 147 15 52,874 211 148 16 53,085 212 149 17 53,298 213 149 18 53,511 214 150 19 53,725 215 150 20 53,940 216 151 TOTAL $4,156 $2,909 - 3LOCAL CD1.17%-$50,00048 MonthCredit Union1.42x (National Avg. - 0.82%)$100,000SCENARIO
Year Rate
1.17%Annual
InterestAnnual Interest
(After Tax)1 50,000 585 410 2 50,585 592 414 3 51,177 599 419 4 51,776 606 424 5 52,381 613 429 6 52,994 620 434 7 53,614 627 439 8 54,242 635 444 9 54,876 642 449 10 55,518 650 455 11 56,168 657 460 12 56,825 665 465 13 57,490 673 471 14 58,162 681 476 15 58,843 688 482 16 59,531 697 488 17 60,228 705 493 18 60,933 713 499 19 61,646 721 505 20 62,367 730 511 TOTAL $13,096 $9,168 - 4LOCAL CD1.25%-$50,00024 MonthCredit Union1.88x (National Avg. - 0.67%)$10,000SCENARIO
Year Rate
1.25%Annual
InterestAnnual Interest
(After Tax)1 50,000 624 436 2 50,624 631 442 3 51,255 639 447 4 51,894 647 453 5 52,541 655 459 6 53,196 663 464 7 53,860 672 470 8 54,531 680 476 9 55,211 688 482 10 55,900 697 488 11 56,597 706 494 12 57,303 715 500 13 58,017 723 506 14 58,741 732 513 15 59,473 742 519 16 60,215 751 526 17 60,966 760 532 18 61,726 770 539 19 62,496 779 546 20 63,275 789 552 TOTAL $14,064 $9,845
All calculations are for demonstration purposes only.
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.70% | $100,000 |
Learn More on the North American Savings Bank, F.S.B. website |
|
|
Decide once. Earn for a year. A full year of predictable earnings with our 12-Month Jumbo CD. 12-Month |
||||
|
|
5.00% |
$10,000 |
Learn More | |
|
Last change: ↑0.05% on October 8. |
||||
|
|
4.95% |
$10,000 |
Learn More | |
|
Last change: ↑0.10% on October 8. |
||||
|
|
4.85% |
$500 |
Learn More | |
|
Last change: ↑0.81% on April 27. |
||||
|
|
4.85% |
$500 |
Learn More | |
|
Last change: ↑0.80% on April 27. |
||||
