Compare Savings vs. CDs
Comparison of Deposit Account from PEN AIR with 2.60% - November 2025


Long-Term Analysis of PEN AIR with 2.60% APY and WESTEX with 1.04% 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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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    2.60%
    -
    $50,000
    18 Month
    Credit Union
    4.49x (National Avg. - 0.58%)
    $500
     
    SCENARIO
    Year Rate
    2.60%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,300 910
    2 51,300 1,334 934
    3 52,634 1,368 958
    4 54,002 1,404 983
    5 55,406 1,441 1,008
    6 56,847 1,478 1,035
    7 58,325 1,516 1,062
    8 59,841 1,556 1,089
    9 61,397 1,596 1,117
    10 62,994 1,638 1,146
    11 64,631 1,680 1,176
    12 66,312 1,724 1,207
    13 68,036 1,769 1,238
    14 69,805 1,815 1,270
    15 71,620 1,862 1,303
    16 73,482 1,911 1,337
    17 75,392 1,960 1,372
    18 77,353 2,011 1,408
    19 79,364 2,063 1,444
    20 81,427 2,117 1,482
    TOTAL $33,544 $23,481
  • 2
    LOCAL CD
    1.04%
    -
    $50,000
    18 Month
    Credit Union
    1.79x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    1.04%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 518 362
    2 50,518 523 366
    3 51,040 528 370
    4 51,569 534 374
    5 52,102 539 377
    6 52,642 545 381
    7 53,186 550 385
    8 53,737 556 389
    9 54,293 562 393
    10 54,855 568 397
    11 55,423 574 402
    12 55,996 580 406
    13 56,576 586 410
    14 57,162 592 414
    15 57,753 598 418
    16 58,351 604 423
    17 58,955 610 427
    18 59,565 616 432
    19 60,182 623 436
    20 60,804 629 441
    TOTAL $11,434 $8,004

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↓0.10% on October 13.

    Last change: ↓0.15% on October 13.