Compare Savings vs. CDs
Comparison of Deposit Account from NASA with 3.78% - December 2025


Long-Term Analysis of NASA with 3.78% APY and CREIGHTON with 0.07% APY and TRONA VALLEY COMMUNITY with 1.30% APY and SULLIVAN BANK with 5.51% 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
    3.78%
    -
    $50,000
    60 Month
    Credit Union
    4.10x (National Avg. - 0.92%)
    $1,000
     
    SCENARIO
    Year Rate
    3.78%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,890 1,323
    2 51,890 1,961 1,373
    3 53,851 2,036 1,425
    4 55,887 2,113 1,479
    5 58,000 2,192 1,535
    6 60,192 2,275 1,593
    7 62,467 2,361 1,653
    8 64,828 2,451 1,715
    9 67,279 2,543 1,780
    10 69,822 2,639 1,847
    11 72,461 2,739 1,917
    12 75,200 2,843 1,990
    13 78,043 2,950 2,065
    14 80,993 3,062 2,143
    15 84,055 3,177 2,224
    16 87,232 3,297 2,308
    17 90,529 3,422 2,395
    18 93,951 3,551 2,486
    19 97,503 3,686 2,580
    20 101,188 3,825 2,677
    TOTAL $55,013 $38,509
  • 2
    LOCAL MONEY MARKET
    0.07%
    -
    $50,000
    N.A.
    Credit Union
    0.08x (National Avg. - 0.92%)
    $25,000
     
    SCENARIO
    Year Rate
    0.07%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 35 25
    2 50,035 35 25
    3 50,070 35 25
    4 50,105 35 25
    5 50,140 35 25
    6 50,175 35 25
    7 50,210 35 25
    8 50,246 35 25
    9 50,281 35 25
    10 50,316 35 25
    11 50,351 35 25
    12 50,386 35 25
    13 50,422 35 25
    14 50,457 35 25
    15 50,492 35 25
    16 50,528 35 25
    17 50,563 35 25
    18 50,598 35 25
    19 50,634 35 25
    20 50,669 35 25
    TOTAL $705 $493
  • 3
    LOCAL CD
    1.30%
    -
    $50,000
    36 Month
    Credit Union
    1.73x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.30%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 650 455
    2 50,650 658 461
    3 51,308 667 467
    4 51,975 676 473
    5 52,651 684 479
    6 53,336 693 485
    7 54,029 702 492
    8 54,731 712 498
    9 55,443 721 505
    10 56,164 730 511
    11 56,894 740 518
    12 57,633 749 524
    13 58,383 759 531
    14 59,142 769 538
    15 59,910 779 545
    16 60,689 789 552
    17 61,478 799 559
    18 62,277 810 567
    19 63,087 820 574
    20 63,907 831 582
    TOTAL $14,738 $10,317
  • 4
    LOCAL CD
    5.51%
    -
    $50,000
    7 Month
    Bank
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    5.51%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,755 1,929
    2 52,755 2,907 2,035
    3 55,662 3,067 2,147
    4 58,729 3,236 2,265
    5 61,965 3,414 2,390
    6 65,379 3,602 2,522
    7 68,981 3,801 2,661
    8 72,782 4,010 2,807
    9 76,793 4,231 2,962
    10 81,024 4,464 3,125
    11 85,488 4,710 3,297
    12 90,199 4,970 3,479
    13 95,169 5,244 3,671
    14 100,412 5,533 3,873
    15 105,945 5,838 4,086
    16 111,783 6,159 4,311
    17 117,942 6,499 4,549
    18 124,440 6,857 4,800
    19 131,297 7,234 5,064
    20 138,532 7,633 5,343
    TOTAL $96,165 $67,315

    All calculations are for demonstration purposes only.

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