Compare Savings vs. CDs
Comparison of Deposit Account from NSB Bank with 1.19% - October 2026


Long-Term Analysis of NSB Bank with 1.19% APY and SERVICE 1 with 0.85% 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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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    1.19%
    -
    $50,000
    60 Month
    Bank
    1.29x (National Avg. - 0.93%)
    $100,000
     
    SCENARIO
    Year Rate
    1.19%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 597 418
    2 50,597 604 423
    3 51,201 611 428
    4 51,812 619 433
    5 52,431 626 438
    6 53,057 634 443
    7 53,691 641 449
    8 54,332 649 454
    9 54,980 656 460
    10 55,637 664 465
    11 56,301 672 471
    12 56,973 680 476
    13 57,654 688 482
    14 58,342 697 488
    15 59,039 705 493
    16 59,744 713 499
    17 60,457 722 505
    18 61,179 730 511
    19 61,909 739 517
    20 62,648 748 524
    TOTAL $13,396 $9,378
  • 2
    LOCAL CD
    0.85%
    -
    $50,000
    48 Month
    Credit Union
    1.03x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.85%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456

    All calculations are for demonstration purposes only.

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    12-Month

    Last change: ↑0.45% on October 1.
    Early Withdrawal Penalty is 730 days interest.

    Last change: ↑0.35% on October 1.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.30% on October 1.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.35% on September 25.