Compare Savings vs. CDs
Comparison of Deposit Account from Peoples Bank with 0.10% - October 2025


Long-Term Analysis of FIRST FLORIDA with 1.19% APY and Peoples Bank with 0.10% 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
    1.19%
    -
    $50,000
    36 Month
    Credit Union
    1.58x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    1.19%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 595 417
    2 50,595 602 421
    3 51,197 609 426
    4 51,806 616 432
    5 52,423 624 437
    6 53,047 631 442
    7 53,678 639 447
    8 54,317 646 452
    9 54,963 654 458
    10 55,617 662 463
    11 56,279 670 469
    12 56,949 678 474
    13 57,626 686 480
    14 58,312 694 486
    15 59,006 702 492
    16 59,708 711 497
    17 60,419 719 503
    18 61,138 728 509
    19 61,865 736 515
    20 62,601 745 521
    TOTAL $13,346 $9,342
  • 2
    LOCAL CD
    0.10%
    -
    $50,000
    24 Month
    Bank
    0.15x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.10%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑2.35% on September 16.

    Last change: ↑1.66% on April 4.

    Last change: ↑0.66% on February 4.
    No Penalty CD.

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    3 Month CD.