Compare Savings vs. CDs
Comparison of Deposit Account from Metropolitan Bank with 0.20% - June 2025


Long-Term Analysis of Metropolitan Bank with 0.20% APY and The Callaway Bank with 0.84% 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
    0.20%
    -
    $50,000
    6 Month
    Bank
    0.49x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.20%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 2
    LOCAL CD
    0.84%
    -
    $50,000
    24 Month
    Bank
    1.28x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.84%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 422 295
    2 50,422 425 298
    3 50,847 429 300
    4 51,275 432 303
    5 51,707 436 305
    6 52,143 440 308
    7 52,583 443 310
    8 53,026 447 313
    9 53,473 451 316
    10 53,924 455 318
    11 54,379 458 321
    12 54,837 462 324
    13 55,299 466 326
    14 55,765 470 329
    15 56,236 474 332
    16 56,710 478 335
    17 57,188 482 337
    18 57,670 486 340
    19 58,156 490 343
    20 58,646 494 346
    TOTAL $9,141 $6,398

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.20% on April 9.

    Last change: ↑0.34% on May 27.
    Warning: Early Withdrawal Penalty is 180 days interest.

    Last change: ↑0.26% on April 9.
    Early Withdrawal Penalty is 6 months interest.