Compare Savings vs. CDs
Comparison of Deposit Account from PLUS with 1.05% - December 2025


Long-Term Analysis of PLUS with 1.05% APY and The Community Bank with 2.75% 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
    1.05%
    -
    $50,000
    12 Month
    Credit Union
    1.92x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    1.05%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 525 367
    2 50,525 530 371
    3 51,055 536 375
    4 51,590 541 379
    5 52,131 547 383
    6 52,678 553 387
    7 53,231 558 391
    8 53,789 564 395
    9 54,353 570 399
    10 54,923 576 403
    11 55,500 582 408
    12 56,082 588 412
    13 56,670 594 416
    14 57,265 601 420
    15 57,865 607 425
    16 58,472 613 429
    17 59,086 620 434
    18 59,706 626 438
    19 60,332 633 443
    20 60,965 640 448
    TOTAL $11,604 $8,123
  • 2
    LOCAL MONEY MARKET
    2.75%
    -
    $50,000
    N.A.
    Bank
    5.03x (National Avg. - 0.55%)
    $0
     
    SCENARIO
    Year Rate
    2.75%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,375 963
    2 51,375 1,413 989
    3 52,788 1,452 1,016
    4 54,239 1,492 1,044
    5 55,731 1,533 1,073
    6 57,264 1,575 1,102
    7 58,838 1,618 1,133
    8 60,456 1,663 1,164
    9 62,119 1,708 1,196
    10 63,827 1,755 1,229
    11 65,583 1,804 1,262
    12 67,386 1,853 1,297
    13 69,239 1,904 1,333
    14 71,143 1,956 1,370
    15 73,100 2,010 1,407
    16 75,110 2,066 1,446
    17 77,175 2,122 1,486
    18 79,298 2,181 1,526
    19 81,478 2,241 1,568
    20 83,719 2,302 1,612
    TOTAL $36,021 $25,215

    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.