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Comparison of Deposit Account from PROPONENT with 0.85% - October 2026


Long-Term Analysis of AFFINITY PLUS with 1.00% APY and AFFINITY PLUS with 4.25% APY and AFFINITY PLUS with 1.00% APY and AFFINITY PLUS with 4.35% APY and AFFINITY PLUS with 4.00% APY and AFFINITY PLUS with 4.00% APY and AFFINITY PLUS with 4.00% APY and AFFINITY PLUS with 3.80% APY and AFFINITY PLUS with 4.50% APY and AFFINITY PLUS with 2.50% APY and AFFINITY PLUS with 2.25% APY and AFFINITY PLUS with 2.35% APY and AFFINITY PLUS with 3.00% APY and PROPONENT with 0.85% APY and MOTION with 0.65% APY and COUNTY EDUCATORS with 0.85% 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

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    AFFINITY PLUS
    1.00%
    -
    $50,000
    12 Month
    Credit Union
    1.81x (National Avg. - 0.55%)
    $0
     
    SCENARIO
    Year Rate
    1.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 500 350
    2 50,500 505 354
    3 51,005 510 357
    4 51,515 515 361
    5 52,030 520 364
    6 52,551 526 368
    7 53,076 531 372
    8 53,607 536 375
    9 54,143 541 379
    10 54,684 547 383
    11 55,231 552 387
    12 55,783 558 390
    13 56,341 563 394
    14 56,905 569 398
    15 57,474 575 402
    16 58,048 580 406
    17 58,629 586 410
    18 59,215 592 415
    19 59,807 598 419
    20 60,405 604 423
    TOTAL $11,010 $7,707
  • 2
    LOCAL CD
    AFFINITY PLUS
    4.25%
    -
    $50,000
    18 Month
    Credit Union
    7.31x (National Avg. - 0.58%)
    $500
     
    SCENARIO
    Year Rate
    4.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,125 1,488
    2 52,125 2,215 1,551
    3 54,340 2,309 1,617
    4 56,650 2,408 1,685
    5 59,057 2,510 1,757
    6 61,567 2,617 1,832
    7 64,184 2,728 1,909
    8 66,912 2,844 1,991
    9 69,756 2,965 2,075
    10 72,720 3,091 2,163
    11 75,811 3,222 2,255
    12 79,033 3,359 2,351
    13 82,392 3,502 2,451
    14 85,893 3,650 2,555
    15 89,544 3,806 2,664
    16 93,349 3,967 2,777
    17 97,317 4,136 2,895
    18 101,453 4,312 3,018
    19 105,764 4,495 3,146
    20 110,259 4,686 3,280
    TOTAL $64,945 $45,462
  • 3
    LOCAL CD
    AFFINITY PLUS
    1.00%
    -
    $50,000
    12 Month
    Credit Union
    1.81x (National Avg. - 0.55%)
    $100
     
    SCENARIO
    Year Rate
    1.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 500 350
    2 50,500 505 354
    3 51,005 510 357
    4 51,515 515 361
    5 52,030 520 364
    6 52,551 526 368
    7 53,076 531 372
    8 53,607 536 375
    9 54,143 541 379
    10 54,684 547 383
    11 55,231 552 387
    12 55,783 558 390
    13 56,341 563 394
    14 56,905 569 398
    15 57,474 575 402
    16 58,048 580 406
    17 58,629 586 410
    18 59,215 592 415
    19 59,807 598 419
    20 60,405 604 423
    TOTAL $11,010 $7,707
  • 4
    LOCAL CD
    AFFINITY PLUS
    4.35%
    -
    $50,000
    24 Month
    Credit Union
    6.54x (National Avg. - 0.67%)
    $500
     
    SCENARIO
    Year Rate
    4.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,175 1,523
    2 52,175 2,270 1,589
    3 54,445 2,368 1,658
    4 56,813 2,471 1,730
    5 59,284 2,579 1,805
    6 61,863 2,691 1,884
    7 64,554 2,808 1,966
    8 67,362 2,930 2,051
    9 70,293 3,058 2,140
    10 73,350 3,191 2,234
    11 76,541 3,330 2,331
    12 79,871 3,474 2,432
    13 83,345 3,626 2,538
    14 86,970 3,783 2,648
    15 90,754 3,948 2,763
    16 94,701 4,120 2,884
    17 98,821 4,299 3,009
    18 103,120 4,486 3,140
    19 107,605 4,681 3,277
    20 112,286 4,884 3,419
    TOTAL $67,171 $47,019
  • 5
    LOCAL CD
    AFFINITY PLUS
    4.00%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $500
     
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689
  • 6
    LOCAL CD
    AFFINITY PLUS
    4.00%
    -
    $50,000
    42 Month
    Credit Union
    N.A.
    $500
     
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689
  • 7
    LOCAL CD
    AFFINITY PLUS
    4.00%
    -
    $50,000
    56 Month
    Credit Union
    N.A.
    $500
     
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689
  • 8
    LOCAL CD
    AFFINITY PLUS
    3.80%
    -
    $50,000
    13 Month
    Credit Union
    N.A.
    $500
     
    SCENARIO
    Year Rate
    3.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,900 1,330
    2 51,900 1,972 1,381
    3 53,872 2,047 1,433
    4 55,919 2,125 1,487
    5 58,044 2,206 1,544
    6 60,250 2,289 1,603
    7 62,539 2,376 1,664
    8 64,916 2,467 1,727
    9 67,383 2,561 1,792
    10 69,943 2,658 1,860
    11 72,601 2,759 1,931
    12 75,360 2,864 2,005
    13 78,224 2,972 2,081
    14 81,196 3,085 2,160
    15 84,282 3,203 2,242
    16 87,484 3,324 2,327
    17 90,809 3,451 2,416
    18 94,259 3,582 2,507
    19 97,841 3,718 2,603
    20 101,559 3,859 2,701
    TOTAL $55,419 $38,793
  • 9
    LOCAL CD
    AFFINITY PLUS
    4.50%
    -
    $50,000
    66 Month
    Credit Union
    N.A.
    $500
     
    SCENARIO
    Year Rate
    4.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,250 1,575
    2 52,250 2,351 1,646
    3 54,601 2,457 1,720
    4 57,058 2,568 1,797
    5 59,626 2,683 1,878
    6 62,309 2,804 1,963
    7 65,113 2,930 2,051
    8 68,043 3,062 2,143
    9 71,105 3,200 2,240
    10 74,305 3,344 2,341
    11 77,648 3,494 2,446
    12 81,143 3,651 2,556
    13 84,794 3,816 2,671
    14 88,610 3,987 2,791
    15 92,597 4,167 2,917
    16 96,764 4,354 3,048
    17 101,119 4,550 3,185
    18 105,669 4,755 3,329
    19 110,424 4,969 3,478
    20 115,393 5,193 3,635
    TOTAL $70,586 $49,410
  • 10
    LOCAL MONEY MARKET
    AFFINITY PLUS
    2.50%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    2.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,250 875
    2 51,250 1,281 897
    3 52,531 1,313 919
    4 53,845 1,346 942
    5 55,191 1,380 966
    6 56,570 1,414 990
    7 57,985 1,450 1,015
    8 59,434 1,486 1,040
    9 60,920 1,523 1,066
    10 62,443 1,561 1,093
    11 64,004 1,600 1,120
    12 65,604 1,640 1,148
    13 67,244 1,681 1,177
    14 68,926 1,723 1,206
    15 70,649 1,766 1,236
    16 72,415 1,810 1,267
    17 74,225 1,856 1,299
    18 76,081 1,902 1,331
    19 77,983 1,950 1,365
    20 79,933 1,998 1,399
    TOTAL $31,931 $22,352
  • 11
    LOCAL MONEY MARKET
    AFFINITY PLUS
    2.25%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $2,000
     
    SCENARIO
    Year Rate
    2.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,125 788
    2 51,125 1,150 805
    3 52,275 1,176 823
    4 53,452 1,203 842
    5 54,654 1,230 861
    6 55,884 1,257 880
    7 57,141 1,286 900
    8 58,427 1,315 920
    9 59,742 1,344 941
    10 61,086 1,374 962
    11 62,460 1,405 984
    12 63,866 1,437 1,006
    13 65,302 1,469 1,029
    14 66,772 1,502 1,052
    15 68,274 1,536 1,075
    16 69,810 1,571 1,100
    17 71,381 1,606 1,124
    18 72,987 1,642 1,150
    19 74,629 1,679 1,175
    20 76,309 1,717 1,202
    TOTAL $28,025 $19,618
  • 12
    LOCAL MONEY MARKET
    AFFINITY PLUS
    2.35%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $5,000
     
    SCENARIO
    Year Rate
    2.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,175 823
    2 51,175 1,203 842
    3 52,378 1,231 862
    4 53,608 1,260 882
    5 54,868 1,289 903
    6 56,158 1,320 924
    7 57,477 1,351 946
    8 58,828 1,382 968
    9 60,211 1,415 990
    10 61,626 1,448 1,014
    11 63,074 1,482 1,038
    12 64,556 1,517 1,062
    13 66,073 1,553 1,087
    14 67,626 1,589 1,112
    15 69,215 1,627 1,139
    16 70,841 1,665 1,165
    17 72,506 1,704 1,193
    18 74,210 1,744 1,221
    19 75,954 1,785 1,249
    20 77,739 1,827 1,279
    TOTAL $29,566 $20,696
  • 13
    N.A.
    AFFINITY PLUS
    3.00%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $25,000
     
    SCENARIO
    Year Rate
    3.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,500 1,050
    2 51,500 1,545 1,082
    3 53,045 1,591 1,114
    4 54,636 1,639 1,147
    5 56,275 1,688 1,182
    6 57,964 1,739 1,217
    7 59,703 1,791 1,254
    8 61,494 1,845 1,291
    9 63,339 1,900 1,330
    10 65,239 1,957 1,370
    11 67,196 2,016 1,411
    12 69,212 2,076 1,453
    13 71,288 2,139 1,497
    14 73,427 2,203 1,542
    15 75,629 2,269 1,588
    16 77,898 2,337 1,636
    17 80,235 2,407 1,685
    18 82,642 2,479 1,735
    19 85,122 2,554 1,788
    20 87,675 2,630 1,841
    TOTAL $40,306 $28,214
  • 14
    LOCAL CD
    PROPONENT
    0.85%
    -
    $50,000
    36 Month
    Credit Union
    1.12x (National Avg. - 0.76%)
    $10,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456
  • 15
    LOCAL CD
    MOTION
    0.65%
    -
    $50,000
    36 Month
    Credit Union
    0.86x (National Avg. - 0.76%)
    $10,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 326 228
    2 50,326 328 229
    3 50,653 330 231
    4 50,983 332 232
    5 51,315 334 234
    6 51,649 336 235
    7 51,985 338 237
    8 52,323 341 238
    9 52,664 343 240
    10 53,007 345 242
    11 53,352 347 243
    12 53,699 350 245
    13 54,049 352 246
    14 54,401 354 248
    15 54,755 356 250
    16 55,111 359 251
    17 55,470 361 253
    18 55,831 363 254
    19 56,195 366 256
    20 56,561 368 258
    TOTAL $6,929 $4,850
  • 16
    LOCAL CD
    COUNTY EDUCATORS
    0.85%
    -
    $50,000
    36 Month
    Credit Union
    1.12x (National Avg. - 0.76%)
    $10,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456

    All calculations are for demonstration purposes only.

    Featured CD Rates

    Advertiser Disclosure
    ONLINE BANKS APY? MIN?

    Decide once. Earn for a year. A full year of predictable earnings with our 12-Month Jumbo CD.

    12-Month

    Last change: ↑0.05% on October 8.
    Early Withdrawal Penalty is 730 days interest.

    Last change: ↑0.10% on October 8.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.81% on April 27.

    Last change: ↑0.80% on April 27.
    Early Withdrawal Penalty is 90 days interest.

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