Compare Savings vs. CDs
Comparison of Deposit Account from Northern Bank Direct with 3.25%
- September 2026
Long-Term Analysis of First Fidelity Bank with 0.46% APY and Prairie Community Bank with 1.21% APY and The Hamilton Bank with 0.02% APY and Northern Bank Direct with 3.25% 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 CD0.46%-$50,00024 MonthBank0.69x (National Avg. - 0.66%)$10,000SCENARIO
Year Rate
0.46%Annual
InterestAnnual Interest
(After Tax)1 50,000 230 161 2 50,230 231 162 3 50,461 232 162 4 50,693 233 163 5 50,926 234 164 6 51,161 235 165 7 51,396 236 165 8 51,632 238 166 9 51,870 239 167 10 52,108 240 168 11 52,348 241 169 12 52,589 242 169 13 52,831 243 170 14 53,074 244 171 15 53,318 245 172 16 53,563 246 172 17 53,810 248 173 18 54,057 249 174 19 54,306 250 175 20 54,556 251 176 TOTAL $4,807 $3,365 - 2N.A.1.21%-$50,000N.A.Bank1.82x (National Avg. - 0.66%)$250,000SCENARIO
Year Rate
1.21%Annual
InterestAnnual Interest
(After Tax)1 50,000 605 424 2 50,605 612 429 3 51,217 620 434 4 51,837 627 439 5 52,464 635 444 6 53,099 642 450 7 53,742 650 455 8 54,392 658 461 9 55,050 666 466 10 55,716 674 472 11 56,390 682 478 12 57,073 691 483 13 57,763 699 489 14 58,462 707 495 15 59,170 716 501 16 59,885 725 507 17 60,610 733 513 18 61,343 742 520 19 62,086 751 526 20 62,837 760 532 TOTAL $13,597 $9,518 - 3LOCAL MONEY MARKET0.02%-$50,000N.A.Bank0.03x (National Avg. - 0.66%)$10,000SCENARIO
Year Rate
0.02%Annual
InterestAnnual Interest
(After Tax)1 50,000 10 7 2 50,010 10 7 3 50,020 10 7 4 50,030 10 7 5 50,040 10 7 6 50,050 10 7 7 50,060 10 7 8 50,070 10 7 9 50,080 10 7 10 50,090 10 7 11 50,100 10 7 12 50,110 10 7 13 50,120 10 7 14 50,130 10 7 15 50,140 10 7 16 50,150 10 7 17 50,160 10 7 18 50,170 10 7 19 50,180 10 7 20 50,190 10 7 TOTAL $200 $140 - 4ONLINE CD3.25%-$50,00036 MonthOnline Bank4.28x (National Avg. - 0.76%)$500SCENARIO
Year Rate
3.25%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,625 1,138 2 51,625 1,678 1,174 3 53,303 1,732 1,213 4 55,035 1,789 1,252 5 56,824 1,847 1,293 6 58,671 1,907 1,335 7 60,577 1,969 1,378 8 62,546 2,033 1,423 9 64,579 2,099 1,469 10 66,678 2,167 1,517 11 68,845 2,237 1,566 12 71,082 2,310 1,617 13 73,392 2,385 1,670 14 75,778 2,463 1,724 15 78,240 2,543 1,780 16 80,783 2,625 1,838 17 83,409 2,711 1,898 18 86,119 2,799 1,959 19 88,918 2,890 2,023 20 91,808 2,984 2,089 TOTAL $44,792 $31,354
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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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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4.65% |
$1,000 |
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Last change: ↑0.35% on September 25. |
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