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Compare Savings vs. CDs - December 2025

Long-Term Analysis of RTN with 0.70% APY and RTN with 1.04% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

RTN

0.70%

$50,000

24 Month

Credit Union

1.06x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

RTN

1.04%

$50,000

48 Month

Credit Union

1.27x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 1.04%	Annual Interest	Annual Interest (After Tax)
1	50,000	520	364
2	50,520	525	368
3	51,045	531	372
4	51,576	536	375
5	52,113	542	379
6	52,655	548	383
7	53,202	553	387
8	53,756	559	391
9	54,315	565	395
10	54,879	571	400
11	55,450	577	404
12	56,027	583	408
13	56,610	589	412
14	57,198	595	416
15	57,793	601	421
16	58,394	607	425
17	59,002	614	430
18	59,615	620	434
19	60,235	626	439
20	60,862	633	443
	TOTAL	$11,495	$8,046

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.
Limelight Bank, A division of Capital Community Bank	4.20%	$1,000	Learn More
Last change: ↑0.05% on December 1.
Bread Savings, a division of Bread Financial	4.15%	$1,500	Learn More
Last change: ↓0.05% on December 1.
Limelight Bank, A division of Capital Community Bank	4.15%	$1,000	Learn More
Last change: ↑0.10% on December 1. Early Withdrawal Penalty is 90 days interest.
Total Bank, a division of City National Bank of Florida	4.10%	$25,000	Learn More
Last change: ↓0.15% on November 26.