Compare Savings vs. CDs
Comparison of Deposit Account from MUNA with 0.25%
- September 2026
Long-Term Analysis of MUNA with 0.25% APY and PYRAMID with 1.25% APY and ALTERNATIVES with 0.30% APY and HANCOCK with 0.60% APY and UPSTATE with 1.32% 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 CD0.25%-$50,0006 MonthCredit Union0.62x (National Avg. - 0.40%)$1,000SCENARIO
Year Rate
0.25%Annual
InterestAnnual Interest
(After Tax)1 50,000 125 88 2 50,125 125 88 3 50,250 126 88 4 50,376 126 88 5 50,502 126 88 6 50,628 127 89 7 50,755 127 89 8 50,882 127 89 9 51,009 128 89 10 51,136 128 89 11 51,264 128 90 12 51,392 128 90 13 51,521 129 90 14 51,650 129 90 15 51,779 129 91 16 51,908 130 91 17 52,038 130 91 18 52,168 130 91 19 52,298 131 92 20 52,429 131 92 TOTAL $2,560 $1,792 - 2LOCAL CD1.25%-$50,00048 MonthCredit Union1.52x (National Avg. - 0.82%)$10,000SCENARIO
Year Rate
1.25%Annual
InterestAnnual Interest
(After Tax)1 50,000 625 438 2 50,625 633 443 3 51,258 641 449 4 51,899 649 454 5 52,547 657 460 6 53,204 665 466 7 53,869 673 471 8 54,543 682 477 9 55,224 690 483 10 55,915 699 489 11 56,614 708 495 12 57,321 717 502 13 58,038 725 508 14 58,763 735 514 15 59,498 744 521 16 60,241 753 527 17 60,994 762 534 18 61,757 772 540 19 62,529 782 547 20 63,310 791 554 TOTAL $14,102 $9,871 - 3LOCAL CD0.30%-$50,00036 MonthCredit Union0.40x (National Avg. - 0.76%)$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 - 4LOCAL CD0.60%-$50,00018 MonthCredit Union1.04x (National Avg. - 0.58%)$10,000SCENARIO
Year Rate
0.60%Annual
InterestAnnual Interest
(After Tax)1 50,000 300 210 2 50,300 302 211 3 50,602 304 213 4 50,905 305 214 5 51,211 307 215 6 51,518 309 216 7 51,827 311 218 8 52,138 313 219 9 52,451 315 220 10 52,766 317 222 11 53,082 318 223 12 53,401 320 224 13 53,721 322 226 14 54,044 324 227 15 54,368 326 228 16 54,694 328 230 17 55,022 330 231 18 55,352 332 232 19 55,684 334 234 20 56,019 336 235 TOTAL $6,355 $4,448 - 5LOCAL CD1.32%-$50,00060 MonthCredit Union1.43x (National Avg. - 0.93%)$10,000SCENARIO
Year Rate
1.32%Annual
InterestAnnual Interest
(After Tax)1 50,000 660 462 2 50,660 669 468 3 51,329 678 474 4 52,006 686 481 5 52,693 696 487 6 53,388 705 493 7 54,093 714 500 8 54,807 723 506 9 55,530 733 513 10 56,263 743 520 11 57,006 752 527 12 57,759 762 534 13 58,521 772 541 14 59,294 783 548 15 60,076 793 555 16 60,869 803 562 17 61,673 814 570 18 62,487 825 577 19 63,312 836 585 20 64,147 847 593 TOTAL $14,994 $10,496
All calculations are for demonstration purposes only.
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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4.35% | $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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4.50% |
$500 |
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Last change: ↑0.45% on April 27. |
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4.50% |
$500 |
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Last change: ↑0.43% on April 27. |
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4.50% |
$10,000 |
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Last change: ↑0.65% on August 6. |
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4.50% |
$10,000 |
Learn More | |
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Last change: ↑1.20% on August 6. |
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