Compare Savings vs. CDs
Comparison of Deposit Account from Peoples Bank with 0.90% - December 2025


Long-Term Analysis of Armstrong Bank with 0.62% APY and Peoples Bank with 0.90% 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
    0.62%
    -
    $50,000
    18 Month
    Bank
    1.07x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.62%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 310 217
    2 50,310 312 218
    3 50,622 314 220
    4 50,936 316 221
    5 51,252 318 222
    6 51,569 320 224
    7 51,889 322 225
    8 52,211 324 227
    9 52,534 326 228
    10 52,860 328 229
    11 53,188 330 231
    12 53,518 332 232
    13 53,850 334 234
    14 54,183 336 235
    15 54,519 338 237
    16 54,857 340 238
    17 55,197 342 240
    18 55,540 344 241
    19 55,884 346 243
    20 56,231 349 244
    TOTAL $6,579 $4,605
  • 2
    LOCAL CD
    0.90%
    -
    $50,000
    60 Month
    Bank
    0.98x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.90%
    Annual
    Interest
    Annual 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

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↓0.15% on November 26.

    Last change: ↓0.10% on September 17.

    Last change: ↓0.05% on December 8.