Compare Savings vs. CDs
Comparison of Deposit Account from MAX with 0.50% - November 2025


Long-Term Analysis of MAX with 0.50% APY and FORT MCCLELLAN with 0.81% 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
    0.50%
    -
    $50,000
    12 Month
    Credit Union
    0.91x (National Avg. - 0.55%)
    $500
     
    SCENARIO
    Year Rate
    0.50%
    Annual
    Interest
    Annual 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
  • 2
    LOCAL CD
    0.81%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.81%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 407 285
    2 50,407 410 287
    3 50,816 413 289
    4 51,229 416 292
    5 51,646 420 294
    6 52,066 423 296
    7 52,489 427 299
    8 52,916 430 301
    9 53,346 434 304
    10 53,780 437 306
    11 54,217 441 309
    12 54,658 444 311
    13 55,102 448 314
    14 55,550 452 316
    15 56,002 455 319
    16 56,457 459 321
    17 56,916 463 324
    18 57,379 466 327
    19 57,845 470 329
    20 58,316 474 332
    TOTAL $8,790 $6,153

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↓0.10% on October 13.

    Last change: ↓0.15% on October 13.

    Last change: ↓0.15% on November 26.