Compare Savings vs. CDs
Comparison of Deposit Account from INTOUCH with 0.65% - November 2025


Long-Term Analysis of INTOUCH with 0.65% APY and FANNIN with 1.61% APY and A+ with 3.56% 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
    0.65%
    -
    $50,000
    18 Month
    Credit Union
    1.12x (National Avg. - 0.58%)
    $1,000
     
    SCENARIO
    Year Rate
    0.65%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842
  • 2
    LOCAL CD
    1.61%
    -
    $50,000
    36 Month
    Credit Union
    2.14x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.61%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 806 564
    2 50,806 819 573
    3 51,625 832 583
    4 52,457 846 592
    5 53,303 859 601
    6 54,162 873 611
    7 55,035 887 621
    8 55,922 901 631
    9 56,824 916 641
    10 57,740 931 652
    11 58,671 946 662
    12 59,616 961 673
    13 60,577 977 684
    14 61,554 992 695
    15 62,546 1,008 706
    16 63,554 1,024 717
    17 64,579 1,041 729
    18 65,620 1,058 740
    19 66,678 1,075 752
    20 67,752 1,092 765
    TOTAL $18,845 $13,191
  • 3
    LOCAL CD
    3.56%
    -
    $50,000
    24 Month
    Credit Union
    5.39x (National Avg. - 0.66%)
    $1,000
     
    SCENARIO
    Year Rate
    3.56%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,780 1,246
    2 51,780 1,843 1,290
    3 53,623 1,909 1,336
    4 55,532 1,977 1,384
    5 57,509 2,047 1,433
    6 59,557 2,120 1,484
    7 61,677 2,196 1,537
    8 63,873 2,274 1,592
    9 66,146 2,355 1,648
    10 68,501 2,439 1,707
    11 70,940 2,525 1,768
    12 73,465 2,615 1,831
    13 76,081 2,708 1,896
    14 78,789 2,805 1,963
    15 81,594 2,905 2,033
    16 84,499 3,008 2,106
    17 87,507 3,115 2,181
    18 90,622 3,226 2,258
    19 93,848 3,341 2,339
    20 97,189 3,460 2,422
    TOTAL $50,649 $35,455

    All calculations are for demonstration purposes only.

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