Compare Savings vs. CDs
Comparison of Deposit Account from Old National Bank with 0.03%
- October 2026
Long-Term Analysis of Iowa State Bank with 1.10% APY and Zions Bank with 1.21% APY and Banterra Bank with 0.25% APY and Old National Bank with 0.03% APY and West Plains Bank with 0.10% 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 CD1.10%-$50,00036 MonthBank1.45x (National Avg. - 0.76%)$1,000SCENARIO
Year Rate
1.10%Annual
InterestAnnual Interest
(After Tax)1 50,000 550 385 2 50,550 556 389 3 51,106 562 394 4 51,668 568 398 5 52,237 575 402 6 52,811 581 407 7 53,392 587 411 8 53,979 594 416 9 54,573 600 420 10 55,173 607 425 11 55,780 614 430 12 56,394 620 434 13 57,014 627 439 14 57,641 634 444 15 58,276 641 449 16 58,917 648 454 17 59,565 655 459 18 60,220 662 464 19 60,882 670 469 20 61,552 677 474 TOTAL $12,229 $8,560 - 2N.A.1.21%-$50,000N.A.Bank1.59x (National Avg. - 0.76%)$500,000SCENARIO
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 CD0.25%-$50,00060 MonthBank0.27x (National Avg. - 0.93%)$10,000SCENARIO
Year Rate
0.25%Annual
InterestAnnual Interest
(After Tax)1 50,000 125 88 2 50,125 125 88 3 50,250 126 88 4 50,376 126 88 5 50,502 126 88 6 50,628 127 89 7 50,755 127 89 8 50,882 127 89 9 51,009 128 89 10 51,136 128 89 11 51,264 128 90 12 51,392 128 90 13 51,521 129 90 14 51,650 129 90 15 51,779 129 91 16 51,908 130 91 17 52,038 130 91 18 52,168 130 91 19 52,298 131 92 20 52,429 131 92 TOTAL $2,560 $1,792 - 4LOCAL MONEY MARKET0.03%-$50,000N.A.Bank0.03x (National Avg. - 0.93%)$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 - 5LOCAL CD0.10%-$50,0006 MonthBank0.25x (National Avg. - 0.40%)$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
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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4.65% |
$1,000 |
Learn More | |
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Last change: ↑0.35% on September 25. |
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