Compare Savings vs. CDs
Comparison of Deposit Account from MEMBERS 1ST with 2.10%
- October 2026
Long-Term Analysis of SOUTH DIVISION with 0.05% APY and HUDSON VALLEY with 0.30% APY and MEMBERS 1ST with 2.10% APY and MEMBERS 1ST with 1.95% 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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- 1LOCAL MONEY MARKET0.05%-$50,000N.A.Credit UnionN.A.$2,500SCENARIO
Year Rate
0.05%Annual
InterestAnnual Interest
(After Tax)1 50,000 25 18 2 50,025 25 18 3 50,050 25 18 4 50,075 25 18 5 50,100 25 18 6 50,125 25 18 7 50,150 25 18 8 50,175 25 18 9 50,200 25 18 10 50,225 25 18 11 50,251 25 18 12 50,276 25 18 13 50,301 25 18 14 50,326 25 18 15 50,351 25 18 16 50,376 25 18 17 50,402 25 18 18 50,427 25 18 19 50,452 25 18 20 50,477 25 18 TOTAL $502 $352 - 2LOCAL MONEY MARKET0.30%-$50,000N.A.Credit UnionN.A.$100,000SCENARIO
Year Rate
0.30%Annual
InterestAnnual Interest
(After Tax)1 50,000 150 105 2 50,150 150 105 3 50,300 151 106 4 50,451 151 106 5 50,603 152 106 6 50,755 152 107 7 50,907 153 107 8 51,059 153 107 9 51,213 154 108 10 51,366 154 108 11 51,520 155 108 12 51,675 155 109 13 51,830 155 109 14 51,985 156 109 15 52,141 156 109 16 52,298 157 110 17 52,455 157 110 18 52,612 158 110 19 52,770 158 111 20 52,928 159 111 TOTAL $3,087 $2,161 - 3LOCAL CD2.10%-$50,00048 MonthCredit Union2.55x (National Avg. - 0.82%)$500,000SCENARIO
Year Rate
2.10%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,050 735 2 51,050 1,072 750 3 52,122 1,095 766 4 53,217 1,118 782 5 54,334 1,141 799 6 55,475 1,165 815 7 56,640 1,189 833 8 57,830 1,214 850 9 59,044 1,240 868 10 60,284 1,266 886 11 61,550 1,293 905 12 62,842 1,320 924 13 64,162 1,347 943 14 65,510 1,376 963 15 66,885 1,405 983 16 68,290 1,434 1,004 17 69,724 1,464 1,025 18 71,188 1,495 1,046 19 72,683 1,526 1,068 20 74,209 1,558 1,091 TOTAL $25,768 $18,037 - 4LOCAL CD1.95%-$50,00060 MonthCredit Union2.10x (National Avg. - 0.93%)$500SCENARIO
Year Rate
1.95%Annual
InterestAnnual Interest
(After Tax)1 50,000 975 683 2 50,975 994 696 3 51,969 1,013 709 4 52,982 1,033 723 5 54,016 1,053 737 6 55,069 1,074 752 7 56,143 1,095 766 8 57,237 1,116 781 9 58,354 1,138 797 10 59,492 1,160 812 11 60,652 1,183 828 12 61,834 1,206 844 13 63,040 1,229 860 14 64,269 1,253 877 15 65,523 1,278 894 16 66,800 1,303 912 17 68,103 1,328 930 18 69,431 1,354 948 19 70,785 1,380 966 20 72,165 1,407 985 TOTAL $23,572 $16,501
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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4.95% |
$10,000 |
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Last change: ↑0.45% on October 1. |
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4.85% |
$10,000 |
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Last change: ↑0.35% on October 1. |
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4.80% |
$10,000 |
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Last change: ↑0.30% on October 1. |
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4.65% |
$1,000 |
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Last change: ↑0.35% on September 25. |
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