Compare Savings vs. CDs
Comparison of Deposit Account from PIONEER with 0.05%
- October 2026
Long-Term Analysis of LEWIS CLARK with 0.90% APY and PIONEER with 0.05% APY and ADVENTURE with 1.15% APY and HOMETOWN with 1.41% APY and KENOWA COMMUNITY with 2.46% 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.
You May Choose More Savings or CD Products From Among these Popular Products to Compare
- 1LOCAL CD0.90%-$50,00024 MonthCredit Union1.35x (National Avg. - 0.67%)$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 SAVINGS0.05%-$50,000N.A.Credit Union0.21x (National Avg. - 0.23%)$2,500SCENARIO
Year Rate
0.05%Annual
InterestAnnual Interest
(After Tax)1 50,000 25 18 2 50,025 25 18 3 50,050 25 18 4 50,075 25 18 5 50,100 25 18 6 50,125 25 18 7 50,150 25 18 8 50,175 25 18 9 50,200 25 18 10 50,225 25 18 11 50,251 25 18 12 50,276 25 18 13 50,301 25 18 14 50,326 25 18 15 50,351 25 18 16 50,376 25 18 17 50,402 25 18 18 50,427 25 18 19 50,452 25 18 20 50,477 25 18 TOTAL $502 $352 - 3LOCAL CD1.15%-$50,00036 MonthCredit Union1.52x (National Avg. - 0.76%)$10,000SCENARIO
Year Rate
1.15%Annual
InterestAnnual Interest
(After Tax)1 50,000 575 403 2 50,575 582 407 3 51,157 588 412 4 51,745 595 417 5 52,340 602 421 6 52,942 609 426 7 53,551 616 431 8 54,167 623 436 9 54,789 630 441 10 55,420 637 446 11 56,057 645 451 12 56,702 652 456 13 57,354 660 462 14 58,013 667 467 15 58,680 675 472 16 59,355 683 478 17 60,038 690 483 18 60,728 698 489 19 61,427 706 494 20 62,133 715 500 TOTAL $12,847 $8,993 - 4LOCAL CD1.41%-$50,00060 MonthCredit Union1.52x (National Avg. - 0.93%)$10,000SCENARIO
Year Rate
1.41%Annual
InterestAnnual Interest
(After Tax)1 50,000 705 494 2 50,705 715 500 3 51,420 725 508 4 52,145 735 515 5 52,880 746 522 6 53,626 756 529 7 54,382 767 537 8 55,149 778 544 9 55,926 789 552 10 56,715 800 560 11 57,515 811 568 12 58,326 822 576 13 59,148 834 584 14 59,982 846 592 15 60,828 858 600 16 61,685 870 609 17 62,555 882 617 18 63,437 894 626 19 64,332 907 635 20 65,239 920 644 TOTAL $16,159 $11,311 - 5LOCAL CD2.46%-$50,00060 MonthCredit Union2.65x (National Avg. - 0.93%)$500SCENARIO
Year Rate
2.46%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,230 861 2 51,230 1,260 882 3 52,490 1,291 904 4 53,782 1,323 926 5 55,105 1,356 949 6 56,460 1,389 972 7 57,849 1,423 996 8 59,272 1,458 1,021 9 60,730 1,494 1,046 10 62,224 1,531 1,072 11 63,755 1,568 1,098 12 65,323 1,607 1,125 13 66,930 1,646 1,153 14 68,577 1,687 1,181 15 70,264 1,728 1,210 16 71,992 1,771 1,240 17 73,763 1,815 1,270 18 75,578 1,859 1,301 19 77,437 1,905 1,333 20 79,342 1,952 1,366 TOTAL $31,294 $21,906
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 |
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Last change: ↑0.30% on October 1. |
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4.65% |
$1,000 |
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Last change: ↑0.35% on September 25. |
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