Compare Savings vs. CDs
Comparison of Deposit Account from NAVY FEDERAL CREDIT UNION with 1.50%
- October 2026
Long-Term Analysis of Bank of the West with 0.10% APY and Bank of the West with 0.03% APY and NAVY FEDERAL CREDIT UNION with 1.50% APY and NAVY FEDERAL CREDIT UNION with 3.85% 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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- 1LOCAL CD0.10%-$50,00012 MonthBank0.18x (National Avg. - 0.55%)$10,000SCENARIO
Year Rate
0.10%Annual
InterestAnnual Interest
(After Tax)1 50,000 50 35 2 50,050 50 35 3 50,100 50 35 4 50,150 50 35 5 50,200 50 35 6 50,251 50 35 7 50,301 50 35 8 50,351 50 35 9 50,401 50 35 10 50,452 50 35 11 50,502 51 35 12 50,553 51 35 13 50,603 51 35 14 50,654 51 35 15 50,705 51 35 16 50,755 51 36 17 50,806 51 36 18 50,857 51 36 19 50,908 51 36 20 50,959 51 36 TOTAL $1,010 $707 - 2LOCAL MONEY MARKET0.03%-$50,000N.A.Bank0.05x (National Avg. - 0.55%)$2,500SCENARIO
Year Rate
0.03%Annual
InterestAnnual Interest
(After Tax)1 50,000 15 11 2 50,015 15 11 3 50,030 15 11 4 50,045 15 11 5 50,060 15 11 6 50,075 15 11 7 50,090 15 11 8 50,105 15 11 9 50,120 15 11 10 50,135 15 11 11 50,150 15 11 12 50,165 15 11 13 50,180 15 11 14 50,195 15 11 15 50,210 15 11 16 50,225 15 11 17 50,241 15 11 18 50,256 15 11 19 50,271 15 11 20 50,286 15 11 TOTAL $301 $211 - 3LOCAL CD1.50%-$50,0003 MonthCredit Union0.66x (National Avg. - 2.29%)$1,000SCENARIO
Year Rate
1.50%Annual
InterestAnnual Interest
(After Tax)1 50,000 750 525 2 50,750 761 533 3 51,511 773 541 4 52,284 784 549 5 53,068 796 557 6 53,864 808 566 7 54,672 820 574 8 55,492 832 583 9 56,325 845 591 10 57,169 858 600 11 58,027 870 609 12 58,897 883 618 13 59,781 897 628 14 60,678 910 637 15 61,588 924 647 16 62,512 938 656 17 63,449 952 666 18 64,401 966 676 19 65,367 981 686 20 66,348 995 697 TOTAL $17,343 $12,140 - 4LOCAL CD3.85%-$50,00084 MonthCredit UnionN.A.$1,000SCENARIO
Year Rate
3.85%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,925 1,348 2 51,925 1,999 1,399 3 53,924 2,076 1,453 4 56,000 2,156 1,509 5 58,156 2,239 1,567 6 60,395 2,325 1,628 7 62,720 2,415 1,690 8 65,135 2,508 1,755 9 67,643 2,604 1,823 10 70,247 2,705 1,893 11 72,952 2,809 1,966 12 75,760 2,917 2,042 13 78,677 3,029 2,120 14 81,706 3,146 2,202 15 84,852 3,267 2,287 16 88,119 3,393 2,375 17 91,511 3,523 2,466 18 95,034 3,659 2,561 19 98,693 3,800 2,660 20 102,493 3,946 2,762 TOTAL $56,439 $39,507
All calculations are for demonstration purposes only.
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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4.50% | $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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4.95% |
$10,000 |
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Last change: ↑0.45% on October 1. |
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4.85% |
$10,000 |
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Last change: ↑0.35% on October 1. |
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4.80% |
$10,000 |
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Last change: ↑0.30% on October 1. |
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4.75% |
$0 |
Learn More | |
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Last change: ↑0.35% on October 7. |
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