Compare Savings vs. CDs
Comparison of Deposit Account from Old Second National Bank with 3.25%
- October 2026
Long-Term Analysis of Old Second National Bank with 3.25% APY and CNB Bank with 0.38% APY and CNB Bank with 0.43% APY and CNB Bank with 0.55% 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 CD3.25%-$50,00060 MonthBank3.50x (National Avg. - 0.93%)$1,000SCENARIO
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 - 2LOCAL CD0.38%-$50,00012 MonthBank0.69x (National Avg. - 0.55%)$100,000SCENARIO
Year Rate
0.38%Annual
InterestAnnual Interest
(After Tax)1 50,000 190 133 2 50,190 191 134 3 50,381 191 134 4 50,572 192 135 5 50,764 193 135 6 50,957 194 136 7 51,151 194 136 8 51,345 195 137 9 51,540 196 137 10 51,736 197 138 11 51,933 197 138 12 52,130 198 139 13 52,328 199 139 14 52,527 200 140 15 52,727 200 140 16 52,927 201 141 17 53,128 202 141 18 53,330 203 142 19 53,533 203 142 20 53,736 204 143 TOTAL $3,940 $2,758 - 3LOCAL CD0.43%-$50,00018 MonthBank0.74x (National Avg. - 0.58%)$100,000SCENARIO
Year Rate
0.43%Annual
InterestAnnual Interest
(After Tax)1 50,000 215 151 2 50,215 216 151 3 50,431 217 152 4 50,648 218 152 5 50,866 219 153 6 51,084 220 154 7 51,304 221 154 8 51,525 222 155 9 51,746 223 156 10 51,969 223 156 11 52,192 224 157 12 52,417 225 158 13 52,642 226 158 14 52,868 227 159 15 53,096 228 160 16 53,324 229 161 17 53,553 230 161 18 53,783 231 162 19 54,015 232 163 20 54,247 233 163 TOTAL $4,480 $3,136 - 4LOCAL CD0.55%-$50,00030 MonthBankN.A.$100,000SCENARIO
Year Rate
0.55%Annual
InterestAnnual Interest
(After Tax)1 50,000 275 193 2 50,275 277 194 3 50,552 278 195 4 50,830 280 196 5 51,109 281 197 6 51,390 283 198 7 51,673 284 199 8 51,957 286 200 9 52,243 287 201 10 52,530 289 202 11 52,819 291 203 12 53,110 292 204 13 53,402 294 206 14 53,695 295 207 15 53,991 297 208 16 54,288 299 209 17 54,586 300 210 18 54,886 302 211 19 55,188 304 212 20 55,492 305 214 TOTAL $5,797 $4,058
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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Decide once. Earn for a year. A full year of predictable earnings with our 12-Month Jumbo CD. 12-Month |
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5.00% |
$10,000 |
Learn More | |
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Last change: ↑0.05% on October 8. |
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4.95% |
$10,000 |
Learn More | |
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Last change: ↑0.10% on October 8. |
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4.85% |
$10,000 |
Learn More | |
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Last change: ↑0.05% on October 8. |
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4.70% |
$500 |
Learn More | |
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Last change: ↑0.66% on April 27. |
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