Compare Savings vs. CDs
Comparison of Deposit Account from MEMBERS 1ST with 2.00%
- October 2026
Long-Term Analysis of MEMBERSALLIANCE with 0.40% APY and SOUTH DIVISION with 0.02% APY and LION'S SHARE with 0.50% APY and MEMBERS 1ST with 1.65% APY and MEMBERS 1ST with 2.00% 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 CD0.40%-$50,00030 MonthCredit UnionN.A.$100,000SCENARIO
Year Rate
0.40%Annual
InterestAnnual Interest
(After Tax)1 50,000 201 140 2 50,201 201 141 3 50,402 202 141 4 50,604 203 142 5 50,807 204 143 6 51,011 205 143 7 51,215 205 144 8 51,420 206 144 9 51,627 207 145 10 51,834 208 145 11 52,042 209 146 12 52,250 210 147 13 52,460 210 147 14 52,670 211 148 15 52,881 212 148 16 53,093 213 149 17 53,306 214 150 18 53,520 215 150 19 53,735 215 151 20 53,950 216 151 TOTAL $4,166 $2,917 - 2LOCAL SAVINGS0.02%-$50,000N.A.Credit Union0.06x (National Avg. - 0.23%)$2,500SCENARIO
Year Rate
0.02%Annual
InterestAnnual Interest
(After Tax)1 50,000 8 5 2 50,008 8 5 3 50,015 8 5 4 50,023 8 5 5 50,030 8 5 6 50,038 8 5 7 50,045 8 5 8 50,053 8 5 9 50,060 8 5 10 50,068 8 5 11 50,075 8 5 12 50,083 8 5 13 50,090 8 5 14 50,098 8 5 15 50,105 8 5 16 50,113 8 5 17 50,120 8 5 18 50,128 8 5 19 50,135 8 5 20 50,143 8 5 TOTAL $150 $105 - 3LOCAL CD0.50%-$50,00012 MonthCredit Union0.91x (National Avg. - 0.55%)$500SCENARIO
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 - 4LOCAL CD1.65%-$50,00018 MonthCredit Union2.84x (National Avg. - 0.58%)$500,000SCENARIO
Year Rate
1.65%Annual
InterestAnnual Interest
(After Tax)1 50,000 825 578 2 50,825 839 587 3 51,664 852 597 4 52,516 867 607 5 53,383 881 617 6 54,263 895 627 7 55,159 910 637 8 56,069 925 648 9 56,994 940 658 10 57,934 956 669 11 58,890 972 680 12 59,862 988 691 13 60,850 1,004 703 14 61,854 1,021 714 15 62,874 1,037 726 16 63,912 1,055 738 17 64,966 1,072 750 18 66,038 1,090 763 19 67,128 1,108 775 20 68,235 1,126 788 TOTAL $19,361 $13,553 - 5LOCAL CD2.00%-$50,00048 MonthCredit Union2.43x (National Avg. - 0.82%)$75,000SCENARIO
Year Rate
2.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,000 700 2 51,000 1,020 714 3 52,020 1,040 728 4 53,060 1,061 743 5 54,122 1,082 758 6 55,204 1,104 773 7 56,308 1,126 788 8 57,434 1,149 804 9 58,583 1,172 820 10 59,755 1,195 837 11 60,950 1,219 853 12 62,169 1,243 870 13 63,412 1,268 888 14 64,680 1,294 906 15 65,974 1,319 924 16 67,293 1,346 942 17 68,639 1,373 961 18 70,012 1,400 980 19 71,412 1,428 1,000 20 72,841 1,457 1,020 TOTAL $24,297 $17,008
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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