Compare Savings vs. CDs
Comparison of Deposit Account from MEMBERS 1ST with 3.70%
- October 2026
Long-Term Analysis of First State Bank with 0.70% APY and BUILDING TRADES with 1.09% APY and Security Bank with 0.65% APY and MEMBERS 1ST with 3.70% 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 CD0.70%-$50,00024 MonthBank1.05x (National Avg. - 0.66%)$10,000SCENARIO
Year Rate
0.70%Annual
InterestAnnual Interest
(After Tax)1 50,000 350 245 2 50,350 352 247 3 50,702 355 248 4 51,057 357 250 5 51,415 360 252 6 51,775 362 254 7 52,137 365 255 8 52,502 368 257 9 52,870 370 259 10 53,240 373 261 11 53,612 375 263 12 53,988 378 265 13 54,366 381 266 14 54,746 383 268 15 55,129 386 270 16 55,515 389 272 17 55,904 391 274 18 56,295 394 276 19 56,689 397 278 20 57,086 400 280 TOTAL $7,486 $5,240 - 2LOCAL CD1.09%-$50,00060 MonthCredit Union1.17x (National Avg. - 0.93%)$10,000SCENARIO
Year Rate
1.09%Annual
InterestAnnual Interest
(After Tax)1 50,000 545 382 2 50,545 551 386 3 51,096 557 390 4 51,653 563 394 5 52,216 569 398 6 52,785 575 403 7 53,360 582 407 8 53,942 588 412 9 54,530 594 416 10 55,124 601 421 11 55,725 607 425 12 56,333 614 430 13 56,947 621 435 14 57,567 627 439 15 58,195 634 444 16 58,829 641 449 17 59,470 648 454 18 60,119 655 459 19 60,774 662 464 20 61,436 670 469 TOTAL $12,106 $8,474 - 3LOCAL CD0.65%-$50,00018 MonthBank1.12x (National Avg. - 0.58%)$100,000SCENARIO
Year Rate
0.65%Annual
InterestAnnual 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 - 4LOCAL CD3.70%-$50,00012 MonthCredit Union6.72x (National Avg. - 0.55%)$10,000SCENARIO
Year Rate
3.70%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,850 1,295 2 51,850 1,918 1,343 3 53,768 1,989 1,393 4 55,758 2,063 1,444 5 57,821 2,139 1,498 6 59,960 2,219 1,553 7 62,179 2,301 1,610 8 64,479 2,386 1,670 9 66,865 2,474 1,732 10 69,339 2,566 1,796 11 71,905 2,660 1,862 12 74,565 2,759 1,931 13 77,324 2,861 2,003 14 80,185 2,967 2,077 15 83,152 3,077 2,154 16 86,229 3,190 2,233 17 89,419 3,309 2,316 18 92,728 3,431 2,402 19 96,158 3,558 2,491 20 99,716 3,690 2,583 TOTAL $53,406 $37,384
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 |
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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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