Compare Savings vs. CDs
Comparison of Deposit Account from Morton Community Bank with 0.05% - December 2025


Long-Term Analysis of Morton Community Bank with 0.05% APY and The Callaway Bank with 0.89% 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 SAVINGS
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.22x (National Avg. - 0.23%)
    $0
     
    SCENARIO
    Year Rate
    0.05%
    Annual
    Interest
    Annual 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
  • 2
    LOCAL CD
    0.89%
    -
    $50,000
    48 Month
    Bank
    1.09x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.89%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 447 313
    2 50,447 450 315
    3 50,897 455 318
    4 51,351 459 321
    5 51,810 463 324
    6 52,273 467 327
    7 52,740 471 330
    8 53,210 475 333
    9 53,686 479 336
    10 54,165 484 339
    11 54,649 488 342
    12 55,137 492 345
    13 55,629 497 348
    14 56,126 501 351
    15 56,627 506 354
    16 57,133 510 357
    17 57,643 515 360
    18 58,158 519 364
    19 58,677 524 367
    20 59,201 529 370
    TOTAL $9,730 $6,811

    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: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↓0.15% on November 26.

    Last change: ↓0.10% on September 17.

    Last change: ↓0.05% on December 8.