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Comparison of Deposit Account from Opus Bank with 0.50% - November 2025

Long-Term Analysis of Opus Bank with 0.50% APY and CHEROKEE STRIP with 0.86% APY and JPMorgan Chase Bank, National Association with 0.75% APY and JPMorgan Chase Bank, National Association with 2.00% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

Opus Bank

0.50%

$50,000

36 Month

Bank

0.66x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

CHEROKEE STRIP

0.86%

$50,000

24 Month

Credit Union

1.31x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.86%	Annual Interest	Annual Interest (After Tax)
1	50,000	430	301
2	50,430	434	304
3	50,864	437	306
4	51,301	441	309
5	51,742	445	311
6	52,187	449	314
7	52,636	453	317
8	53,089	457	320
9	53,545	460	322
10	54,006	464	325
11	54,470	468	328
12	54,939	472	331
13	55,411	477	334
14	55,888	481	336
15	56,368	485	339
16	56,853	489	342
17	57,342	493	345
18	57,835	497	348
19	58,333	502	351
20	58,834	506	354
	TOTAL	$9,340	$6,538

LOCAL CD

JPMorgan Chase Bank, National Association

0.75%

$50,000

6 Month

Bank

1.85x (National Avg. - 0.41%)

$100,000

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 CD

JPMorgan Chase Bank, National Association

2.00%

$50,000

42 Month

Bank

N.A.

$100,000

SCENARIO

Year	Rate 2.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,000	700
2	51,000	1,020	714
3	52,020	1,040	728
4	53,060	1,061	743
5	54,122	1,082	758
6	55,204	1,104	773
7	56,308	1,126	788
8	57,434	1,149	804
9	58,583	1,172	820
10	59,755	1,195	837
11	60,950	1,219	853
12	62,169	1,243	870
13	63,412	1,268	888
14	64,680	1,294	906
15	65,974	1,319	924
16	67,293	1,346	942
17	68,639	1,373	961
18	70,012	1,400	980
19	71,412	1,428	1,000
20	72,841	1,457	1,020
	TOTAL	$24,297	$17,008

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Ivy Bank, a division of Cambridge Savings Bank	4.35%	$1,000	Learn More
Last change: ↑2.35% on September 16.
Climate First Bank	4.34%	$500	Learn More
Last change: ↑1.66% on April 4.
Climate First Bank	4.34%	$500	Learn More
Last change: ↑0.66% on February 4. No Penalty CD.
Finworth, a division of InsBank	4.30%	$50,000	Learn More
Last change: ↓0.15% on September 23.
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.

Compare Savings vs. CDs Comparison of Deposit Account from Opus Bank with 0.50% - November 2025

Long-Term Analysis of Opus Bank with 0.50% APY and CHEROKEE STRIP with 0.86% APY and JPMorgan Chase Bank, National Association with 0.75% APY and JPMorgan Chase Bank, National Association with 2.00% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Opus Bank with 0.50% - November 2025