• Home
  • Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from Legence Bank with 0.40% - June 2025


Long-Term Analysis of The Cecilian Bank with 1.10% APY and Legence Bank with 0.40% APY and Pee Dee Federal Savings Bank with 0.25% APY and LIBERTY FIRST with 0.60% APY and PEOPLE'S ALLIANCE with 0.47% 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
    The Cecilian Bank
    1.10%
    -
    $50,000
    36 Month
    Bank
    1.46x (National Avg. - 0.75%)
    $1,000
     
    SCENARIO
    Year Rate
    1.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 550 385
    2 50,550 556 389
    3 51,106 562 394
    4 51,668 568 398
    5 52,237 575 402
    6 52,811 581 407
    7 53,392 587 411
    8 53,979 594 416
    9 54,573 600 420
    10 55,173 607 425
    11 55,780 614 430
    12 56,394 620 434
    13 57,014 627 439
    14 57,641 634 444
    15 58,276 641 449
    16 58,917 648 454
    17 59,565 655 459
    18 60,220 662 464
    19 60,882 670 469
    20 61,552 677 474
    TOTAL $12,229 $8,560
  • 2
    LOCAL CD
    Legence Bank
    0.40%
    -
    $50,000
    48 Month
    Bank
    0.49x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual 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
  • 3
    LOCAL CD
    Pee Dee Federal Savings Bank
    0.25%
    -
    $50,000
    12 Month
    Bank
    0.45x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 4
    LOCAL CD
    LIBERTY FIRST
    0.60%
    -
    $50,000
    24 Month
    Credit Union
    0.91x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual 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
  • 5
    LOCAL CD
    PEOPLE'S ALLIANCE
    0.47%
    -
    $50,000
    6 Month
    Credit Union
    1.15x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.47%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 235 165
    2 50,235 236 165
    3 50,471 237 166
    4 50,708 238 167
    5 50,947 239 168
    6 51,186 241 168
    7 51,427 242 169
    8 51,668 243 170
    9 51,911 244 171
    10 52,155 245 172
    11 52,400 246 172
    12 52,647 247 173
    13 52,894 249 174
    14 53,143 250 175
    15 53,392 251 176
    16 53,643 252 176
    17 53,895 253 177
    18 54,149 254 178
    19 54,403 256 179
    20 54,659 257 180
    TOTAL $4,916 $3,441

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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

    Last change: ↑0.20% 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.

    Last change: ↑0.26% on April 9.
    Early Withdrawal Penalty is 6 months interest.

    Reddit

    Featured on:

    Copyright © 2025 BestCashCow.com, LLC. All Rights Reserved. Our Terms and Conditions. Privacy Policy + CCPA.

    Disclosure Governing Your Use of this Website | Advertising Disclosure

    Last Update on June 15, 2025

    This page was created in 0.1500 seconds.