Home
Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from Old Second National Bank with 5.09% - December 2025

Long-Term Analysis of Old Second National Bank with 5.09% APY and COVE with 0.75% APY and Commerce Bank with 0.15% APY and First Bank with 1.16% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

Old Second National Bank

5.09%

$50,000

6 Month

Bank

12.60x (National Avg. - 0.40%)

$1,000

SCENARIO

Year	Rate 5.09%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,545	1,782
2	52,545	2,675	1,872
3	55,220	2,811	1,967
4	58,030	2,954	2,068
5	60,984	3,104	2,173
6	64,088	3,262	2,283
7	67,350	3,428	2,400
8	70,778	3,603	2,522
9	74,381	3,786	2,650
10	78,167	3,979	2,785
11	82,146	4,181	2,927
12	86,327	4,394	3,076
13	90,721	4,618	3,232
14	95,338	4,853	3,397
15	100,191	5,100	3,570
16	105,291	5,359	3,752
17	110,650	5,632	3,942
18	116,282	5,919	4,143
19	122,201	6,220	4,354
20	128,421	6,537	4,576
	TOTAL	$84,958	$59,470

LOCAL CD

COVE

0.75%

$50,000

12 Month

Credit Union

1.37x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL MONEY MARKET

Commerce Bank

0.15%

$50,000

N.A.

Bank

0.27x (National Avg. - 0.55%)

$25,000

SCENARIO

Year	Rate 0.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	75	53
2	50,075	75	53
3	50,150	75	53
4	50,225	75	53
5	50,301	75	53
6	50,376	76	53
7	50,452	76	53
8	50,527	76	53
9	50,603	76	53
10	50,679	76	53
11	50,755	76	53
12	50,831	76	53
13	50,907	76	53
14	50,984	76	54
15	51,060	77	54
16	51,137	77	54
17	51,214	77	54
18	51,290	77	54
19	51,367	77	54
20	51,444	77	54
	TOTAL	$1,522	$1,065

LOCAL CD

First Bank

1.16%

$50,000

3 Month

Bank

0.52x (National Avg. - 2.24%)

$500

SCENARIO

Year	Rate 1.16%	Annual Interest	Annual Interest (After Tax)
1	50,000	580	406
2	50,580	587	411
3	51,167	594	415
4	51,760	600	420
5	52,361	607	425
6	52,968	614	430
7	53,582	622	435
8	54,204	629	440
9	54,833	636	445
10	55,469	643	450
11	56,112	651	456
12	56,763	658	461
13	57,422	666	466
14	58,088	674	472
15	58,762	682	477
16	59,443	690	483
17	60,133	698	488
18	60,830	706	494
19	61,536	714	500
20	62,250	722	505
	TOTAL	$12,972	$9,080

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.
Finworth, a division of InsBank	4.20%	$50,000	Learn More
Last change: ↑0.20% on December 7. Early Withdrawal Penalty is 6 months interest.
Total Bank, a division of City National Bank of Florida	4.10%	$25,000	Learn More
Last change: ↓0.15% on November 26.
KS StateBank	4.10%	$500	Learn More
Last change: ↓0.10% on September 17.
Bread Savings, a division of Bread Financial	4.10%	$1,500	Learn More
Last change: ↓0.05% on December 8.

Compare Savings vs. CDs Comparison of Deposit Account from Old Second National Bank with 5.09% - December 2025

Long-Term Analysis of Old Second National Bank with 5.09% APY and COVE with 0.75% APY and Commerce Bank with 0.15% APY and First Bank with 1.16% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Old Second National Bank with 5.09% - December 2025