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Comparison of Deposit Account from RADIFI with 1.10% - October 2026


Long-Term Analysis of SIERRA CENTRAL with 0.60% APY and SIERRA CENTRAL with 0.85% APY and SIERRA CENTRAL with 1.11% APY and SIERRA CENTRAL with 1.21% APY and IAA with 0.85% APY and CROSS VALLEY with 0.03% APY and PARTNERS 1ST with 0.20% APY and RADIFI with 2.65% APY and RADIFI with 3.45% APY and RADIFI with 3.50% APY and RADIFI with 4.45% APY and RADIFI with 1.10% 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.

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
    SIERRA CENTRAL
    0.60%
    -
    $50,000
    12 Month
    Credit Union
    1.09x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 2
    LOCAL CD
    SIERRA CENTRAL
    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
  • 3
    LOCAL CD
    SIERRA CENTRAL
    1.11%
    -
    $50,000
    48 Month
    Credit Union
    1.35x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.11%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 555 389
    2 50,555 561 393
    3 51,116 567 397
    4 51,684 574 402
    5 52,257 580 406
    6 52,837 586 411
    7 53,424 593 415
    8 54,017 600 420
    9 54,616 606 424
    10 55,223 613 429
    11 55,836 620 434
    12 56,455 627 439
    13 57,082 634 444
    14 57,716 641 448
    15 58,356 648 453
    16 59,004 655 458
    17 59,659 662 464
    18 60,321 670 469
    19 60,991 677 474
    20 61,668 685 479
    TOTAL $12,352 $8,647
  • 4
    LOCAL CD
    SIERRA CENTRAL
    1.21%
    -
    $50,000
    60 Month
    Credit Union
    1.30x (National Avg. - 0.93%)
    $100,000
     
    SCENARIO
    Year Rate
    1.21%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 605 424
    2 50,605 612 429
    3 51,217 620 434
    4 51,837 627 439
    5 52,464 635 444
    6 53,099 642 450
    7 53,742 650 455
    8 54,392 658 461
    9 55,050 666 466
    10 55,716 674 472
    11 56,390 682 478
    12 57,073 691 483
    13 57,763 699 489
    14 58,462 707 495
    15 59,170 716 501
    16 59,885 725 507
    17 60,610 733 513
    18 61,343 742 520
    19 62,086 751 526
    20 62,837 760 532
    TOTAL $13,597 $9,518
  • 5
    LOCAL CD
    IAA
    0.85%
    -
    $50,000
    12 Month
    Credit Union
    1.54x (National Avg. - 0.55%)
    $100,000
     
    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
  • 6
    LOCAL MONEY MARKET
    CROSS VALLEY
    0.03%
    -
    $50,000
    N.A.
    Credit Union
    0.05x (National Avg. - 0.55%)
    $2,500
     
    SCENARIO
    Year Rate
    0.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 15 11
    2 50,015 15 11
    3 50,030 15 11
    4 50,045 15 11
    5 50,060 15 11
    6 50,075 15 11
    7 50,090 15 11
    8 50,105 15 11
    9 50,120 15 11
    10 50,135 15 11
    11 50,150 15 11
    12 50,165 15 11
    13 50,180 15 11
    14 50,195 15 11
    15 50,210 15 11
    16 50,225 15 11
    17 50,241 15 11
    18 50,256 15 11
    19 50,271 15 11
    20 50,286 15 11
    TOTAL $301 $211
  • 7
    LOCAL MONEY MARKET
    PARTNERS 1ST
    0.20%
    -
    $50,000
    N.A.
    Credit Union
    0.36x (National Avg. - 0.55%)
    $25,000
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 8
    LOCAL CD
    RADIFI
    2.65%
    -
    $50,000
    12 Month
    Credit Union
    4.80x (National Avg. - 0.55%)
    $500
     
    SCENARIO
    Year Rate
    2.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,325 928
    2 51,325 1,360 952
    3 52,685 1,396 977
    4 54,081 1,433 1,003
    5 55,514 1,471 1,030
    6 56,986 1,510 1,057
    7 58,496 1,550 1,085
    8 60,046 1,591 1,114
    9 61,637 1,633 1,143
    10 63,270 1,677 1,174
    11 64,947 1,721 1,205
    12 66,668 1,767 1,237
    13 68,435 1,814 1,269
    14 70,248 1,862 1,303
    15 72,110 1,911 1,338
    16 74,021 1,962 1,373
    17 75,982 2,014 1,409
    18 77,996 2,067 1,447
    19 80,063 2,122 1,485
    20 82,185 2,178 1,525
    TOTAL $34,362 $24,054
  • 9
    LOCAL CD
    RADIFI
    3.45%
    -
    $50,000
    60 Month
    Credit Union
    3.72x (National Avg. - 0.93%)
    $25,000
     
    SCENARIO
    Year Rate
    3.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,725 1,208
    2 51,725 1,785 1,249
    3 53,510 1,846 1,292
    4 55,356 1,910 1,337
    5 57,265 1,976 1,383
    6 59,241 2,044 1,431
    7 61,285 2,114 1,480
    8 63,399 2,187 1,531
    9 65,586 2,263 1,584
    10 67,849 2,341 1,639
    11 70,190 2,422 1,695
    12 72,612 2,505 1,754
    13 75,117 2,592 1,814
    14 77,708 2,681 1,877
    15 80,389 2,773 1,941
    16 83,162 2,869 2,008
    17 86,032 2,968 2,078
    18 89,000 3,070 2,149
    19 92,070 3,176 2,223
    20 95,247 3,286 2,300
    TOTAL $48,533 $33,973
  • 10
    LOCAL CD
    RADIFI
    3.50%
    -
    $50,000
    60 Month
    Credit Union
    3.77x (National Avg. - 0.93%)
    $50,000
     
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643
  • 11
    LOCAL CD
    RADIFI
    4.45%
    -
    $50,000
    13 Month
    Credit Union
    N.A.
    $2,000
     
    SCENARIO
    Year Rate
    4.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,225 1,558
    2 52,225 2,324 1,627
    3 54,549 2,427 1,699
    4 56,976 2,535 1,775
    5 59,512 2,648 1,854
    6 62,160 2,766 1,936
    7 64,926 2,889 2,022
    8 67,816 3,018 2,112
    9 70,833 3,152 2,206
    10 73,985 3,292 2,305
    11 77,278 3,439 2,407
    12 80,717 3,592 2,514
    13 84,308 3,752 2,626
    14 88,060 3,919 2,743
    15 91,979 4,093 2,865
    16 96,072 4,275 2,993
    17 100,347 4,465 3,126
    18 104,813 4,664 3,265
    19 109,477 4,872 3,410
    20 114,348 5,089 3,562
    TOTAL $69,437 $48,606
  • 12
    LOCAL MONEY MARKET
    RADIFI
    1.10%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $50,000
     
    SCENARIO
    Year Rate
    1.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 550 385
    2 50,550 556 389
    3 51,106 562 394
    4 51,668 568 398
    5 52,237 575 402
    6 52,811 581 407
    7 53,392 587 411
    8 53,979 594 416
    9 54,573 600 420
    10 55,173 607 425
    11 55,780 614 430
    12 56,394 620 434
    13 57,014 627 439
    14 57,641 634 444
    15 58,276 641 449
    16 58,917 648 454
    17 59,565 655 459
    18 60,220 662 464
    19 60,882 670 469
    20 61,552 677 474
    TOTAL $12,229 $8,560

    All calculations are for demonstration purposes only.

    Featured CD Rates

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    ONLINE BANKS APY? MIN?

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    12-Month

    Last change: ↑0.45% on October 1.
    Early Withdrawal Penalty is 730 days interest.

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    Early Withdrawal Penalty is 365 days interest.

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    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.35% on September 25.

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