Compare Savings vs. CDs
Comparison of Deposit Account from RED RIVER with 0.10%
- September 2026
Long-Term Analysis of COMMUNITYWIDE with 4.00% APY and Unity Bank with 1.14% APY and RED RIVER with 0.10% APY and WHITE ROSE with 0.10% APY and LONE STAR with 4.40% 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 CD4.00%-$50,00024 MonthCredit Union6.02x (National Avg. - 0.66%)$1,000SCENARIO
Year Rate
4.00%Annual
InterestAnnual 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 - 2LOCAL CD1.14%-$50,00036 MonthBank1.50x (National Avg. - 0.76%)$500SCENARIO
Year Rate
1.14%Annual
InterestAnnual Interest
(After Tax)1 50,000 570 399 2 50,570 576 404 3 51,146 583 408 4 51,730 590 413 5 52,319 596 418 6 52,916 603 422 7 53,519 610 427 8 54,129 617 432 9 54,746 624 437 10 55,370 631 442 11 56,001 638 447 12 56,640 646 452 13 57,286 653 457 14 57,939 661 462 15 58,599 668 468 16 59,267 676 473 17 59,943 683 478 18 60,626 691 484 19 61,317 699 489 20 62,016 707 495 TOTAL $12,723 $8,906 - 3LOCAL MONEY MARKET0.10%-$50,000N.A.Credit Union0.13x (National Avg. - 0.76%)$10,000SCENARIO
Year Rate
0.10%Annual
InterestAnnual 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 - 4LOCAL MONEY MARKET0.10%-$50,000N.A.Credit Union0.13x (National Avg. - 0.76%)$10,000SCENARIO
Year Rate
0.10%Annual
InterestAnnual 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 - 5LOCAL CD4.40%-$50,00036 MonthCredit Union5.80x (National Avg. - 0.76%)$500SCENARIO
Year Rate
4.40%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,200 1,540 2 52,200 2,297 1,608 3 54,497 2,398 1,679 4 56,895 2,503 1,752 5 59,398 2,614 1,829 6 62,012 2,729 1,910 7 64,740 2,849 1,994 8 67,589 2,974 2,082 9 70,563 3,105 2,173 10 73,667 3,241 2,269 11 76,909 3,384 2,369 12 80,293 3,533 2,473 13 83,825 3,688 2,582 14 87,514 3,851 2,695 15 91,364 4,020 2,814 16 95,384 4,197 2,938 17 99,581 4,382 3,067 18 103,963 4,574 3,202 19 108,537 4,776 3,343 20 113,313 4,986 3,490 TOTAL $68,299 $47,809
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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Take your savings to the next level with our 12-month online CD special! 12-Month |
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4.65% |
$1,000 |
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Last change: ↑0.35% on September 25. |
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4.55% |
$500 |
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Last change: ↑0.51% on April 27. |
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4.55% |
$500 |
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Last change: ↑0.50% on April 27. |
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4.55% |
$500 |
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Last change: ↑0.48% on April 27. |
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