Compare Savings vs. CDs
Comparison of Deposit Account from OPERATING ENGINEERS LOCAL UNION #3 with 0.90%
- October 2026
Long-Term Analysis of OPERATING ENGINEERS LOCAL UNION #3 with 0.90% APY and OPERATING ENGINEERS LOCAL UNION #3 with 0.30% APY and POWERCO with 1.28% APY and POWERCO with 1.28% 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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- 1LOCAL CD0.90%-$50,00036 MonthCredit Union1.19x (National Avg. - 0.76%)$10,000SCENARIO
Year Rate
0.90%Annual
InterestAnnual Interest
(After Tax)1 50,000 450 315 2 50,450 454 318 3 50,904 458 321 4 51,362 462 324 5 51,824 466 326 6 52,291 471 329 7 52,761 475 332 8 53,236 479 335 9 53,715 483 338 10 54,199 488 341 11 54,687 492 345 12 55,179 497 348 13 55,675 501 351 14 56,177 506 354 15 56,682 510 357 16 57,192 515 360 17 57,707 519 364 18 58,226 524 367 19 58,750 529 370 20 59,279 534 373 TOTAL $9,813 $6,869 - 2LOCAL MONEY MARKET0.30%-$50,000N.A.Credit Union0.40x (National Avg. - 0.76%)$25,000SCENARIO
Year Rate
0.30%Annual
InterestAnnual Interest
(After Tax)1 50,000 150 105 2 50,150 150 105 3 50,300 151 106 4 50,451 151 106 5 50,603 152 106 6 50,755 152 107 7 50,907 153 107 8 51,059 153 107 9 51,213 154 108 10 51,366 154 108 11 51,520 155 108 12 51,675 155 109 13 51,830 155 109 14 51,985 156 109 15 52,141 156 109 16 52,298 157 110 17 52,455 157 110 18 52,612 158 110 19 52,770 158 111 20 52,928 159 111 TOTAL $3,087 $2,161 - 3LOCAL CD1.28%-$50,00030 MonthCredit UnionN.A.$10,000SCENARIO
Year Rate
1.28%Annual
InterestAnnual Interest
(After Tax)1 50,000 640 448 2 50,640 648 454 3 51,288 656 460 4 51,945 665 465 5 52,610 673 471 6 53,283 682 477 7 53,965 691 484 8 54,656 700 490 9 55,355 709 496 10 56,064 718 502 11 56,782 727 509 12 57,508 736 515 13 58,244 746 522 14 58,990 755 529 15 59,745 765 535 16 60,510 775 542 17 61,284 784 549 18 62,069 794 556 19 62,863 805 563 20 63,668 815 570 TOTAL $14,483 $10,138 - 4LOCAL CD1.28%-$50,00030 MonthCredit UnionN.A.$100,000SCENARIO
Year Rate
1.28%Annual
InterestAnnual Interest
(After Tax)1 50,000 640 448 2 50,640 648 454 3 51,288 656 460 4 51,945 665 465 5 52,610 673 471 6 53,283 682 477 7 53,965 691 484 8 54,656 700 490 9 55,355 709 496 10 56,064 718 502 11 56,782 727 509 12 57,508 736 515 13 58,244 746 522 14 58,990 755 529 15 59,745 765 535 16 60,510 775 542 17 61,284 784 549 18 62,069 794 556 19 62,863 805 563 20 63,668 815 570 TOTAL $14,483 $10,138
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 |
Learn More | |
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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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