Compare Savings vs. CDs
Comparison of Deposit Account from NEXTMARK with 6.00% - December 2025


Long-Term Analysis of Union Bank with 0.45% APY and NEXTMARK with 6.00% 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
    0.45%
    -
    $50,000
    36 Month
    Bank
    0.60x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.45%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 225 158
    2 50,225 226 158
    3 50,451 227 159
    4 50,678 228 160
    5 50,906 229 160
    6 51,135 230 161
    7 51,365 231 162
    8 51,596 232 163
    9 51,829 233 163
    10 52,062 234 164
    11 52,296 235 165
    12 52,531 236 165
    13 52,768 237 166
    14 53,005 239 167
    15 53,244 240 168
    16 53,483 241 168
    17 53,724 242 169
    18 53,966 243 170
    19 54,209 244 171
    20 54,453 245 172
    TOTAL $4,698 $3,288
  • 2
    LOCAL CD
    6.00%
    -
    $50,000
    10 Month
    Credit Union
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    6.00%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 3,000 2,100
    2 53,000 3,180 2,226
    3 56,180 3,371 2,360
    4 59,551 3,573 2,501
    5 63,124 3,787 2,651
    6 66,911 4,015 2,810
    7 70,926 4,256 2,979
    8 75,182 4,511 3,158
    9 79,692 4,782 3,347
    10 84,474 5,068 3,548
    11 89,542 5,373 3,761
    12 94,915 5,695 3,986
    13 100,610 6,037 4,226
    14 106,646 6,399 4,479
    15 113,045 6,783 4,748
    16 119,828 7,190 5,033
    17 127,018 7,621 5,335
    18 134,639 8,078 5,655
    19 142,717 8,563 5,994
    20 151,280 9,077 6,354
    TOTAL $110,357 $77,250

    All calculations are for demonstration purposes only.

    Featured CD Rates

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