Compare Savings vs. CDs
Comparison of Deposit Account from MAINSTREET with 0.35%
- October 2026
Long-Term Analysis of ALABAMA ONE with 1.51% APY and MAINSTREET with 0.35% APY and ALLEGACY with 1.80% APY and ALLEGACY with 1.50% APY and FirstBank with 0.50% 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 CD1.51%-$50,00048 MonthCredit Union1.83x (National Avg. - 0.82%)$100,000SCENARIO
Year Rate
1.51%Annual
InterestAnnual Interest
(After Tax)1 50,000 755 529 2 50,755 766 536 3 51,521 778 545 4 52,299 790 553 5 53,089 802 561 6 53,891 814 570 7 54,704 826 578 8 55,531 839 587 9 56,369 851 596 10 57,220 864 605 11 58,084 877 614 12 58,961 890 623 13 59,852 904 633 14 60,755 917 642 15 61,673 931 652 16 62,604 945 662 17 63,549 960 672 18 64,509 974 682 19 65,483 989 692 20 66,472 1,004 703 TOTAL $17,476 $12,233 - 2LOCAL CD0.35%-$50,0006 MonthCredit Union0.87x (National Avg. - 0.40%)$100,000SCENARIO
Year Rate
0.35%Annual
InterestAnnual Interest
(After Tax)1 50,000 175 123 2 50,175 176 123 3 50,351 176 123 4 50,527 177 124 5 50,704 177 124 6 50,881 178 125 7 51,059 179 125 8 51,238 179 126 9 51,417 180 126 10 51,597 181 126 11 51,778 181 127 12 51,959 182 127 13 52,141 182 128 14 52,323 183 128 15 52,507 184 129 16 52,690 184 129 17 52,875 185 130 18 53,060 186 130 19 53,245 186 130 20 53,432 187 131 TOTAL $3,619 $2,533 - 3LOCAL MONEY MARKET1.80%-$50,000N.A.Credit Union4.46x (National Avg. - 0.40%)$25,000SCENARIO
Year Rate
1.80%Annual
InterestAnnual Interest
(After Tax)1 50,000 900 630 2 50,900 916 641 3 51,816 933 653 4 52,749 949 665 5 53,698 967 677 6 54,665 984 689 7 55,649 1,002 701 8 56,651 1,020 714 9 57,670 1,038 727 10 58,708 1,057 740 11 59,765 1,076 753 12 60,841 1,095 767 13 61,936 1,115 780 14 63,051 1,135 794 15 64,186 1,155 809 16 65,341 1,176 823 17 66,517 1,197 838 18 67,715 1,219 853 19 68,933 1,241 869 20 70,174 1,263 884 TOTAL $21,437 $15,006 - 4LOCAL MONEY MARKET1.50%-$50,000N.A.Credit Union3.71x (National Avg. - 0.40%)$0SCENARIO
Year Rate
1.50%Annual
InterestAnnual Interest
(After Tax)1 50,000 750 525 2 50,750 761 533 3 51,511 773 541 4 52,284 784 549 5 53,068 796 557 6 53,864 808 566 7 54,672 820 574 8 55,492 832 583 9 56,325 845 591 10 57,169 858 600 11 58,027 870 609 12 58,897 883 618 13 59,781 897 628 14 60,678 910 637 15 61,588 924 647 16 62,512 938 656 17 63,449 952 666 18 64,401 966 676 19 65,367 981 686 20 66,348 995 697 TOTAL $17,343 $12,140 - 5LOCAL CD0.50%-$50,00024 MonthBank0.75x (National Avg. - 0.66%)$10,000SCENARIO
Year Rate
0.50%Annual
InterestAnnual Interest
(After Tax)1 50,000 250 175 2 50,250 251 176 3 50,501 253 177 4 50,754 254 178 5 51,008 255 179 6 51,263 256 179 7 51,519 258 180 8 51,776 259 181 9 52,035 260 182 10 52,296 261 183 11 52,557 263 184 12 52,820 264 185 13 53,084 265 186 14 53,349 267 187 15 53,616 268 188 16 53,884 269 189 17 54,154 271 190 18 54,424 272 190 19 54,696 273 191 20 54,970 275 192 TOTAL $5,245 $3,671
All calculations are for demonstration purposes only.
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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4.50% | $100,000 |
Learn More on the North American Savings Bank, F.S.B. website |
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Take your savings to the next level with our 12-month online CD special! 12-Month |
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4.95% |
$10,000 |
Learn More | |
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Last change: ↑0.45% on October 1. |
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4.85% |
$10,000 |
Learn More | |
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Last change: ↑0.35% on October 1. |
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4.80% |
$10,000 |
Learn More | |
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Last change: ↑0.30% on October 1. |
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4.65% |
$1,000 |
Learn More | |
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Last change: ↑0.35% on September 25. |
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