Compare Savings vs. CDs
Comparison of Deposit Account from RIDGEDALE with 1.92%
- September 2026
Long-Term Analysis of BankPlus with 0.15% APY and TRUITY with 0.15% APY and CAMC with 0.07% APY and RIDGEDALE with 1.92% APY and METRO with 3.25% 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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- 1LOCAL CD0.15%-$50,0006 MonthBank0.37x (National Avg. - 0.40%)$1,000SCENARIO
Year Rate
0.15%Annual
InterestAnnual Interest
(After Tax)1 50,000 75 53 2 50,075 75 53 3 50,150 75 53 4 50,225 75 53 5 50,301 75 53 6 50,376 76 53 7 50,452 76 53 8 50,527 76 53 9 50,603 76 53 10 50,679 76 53 11 50,755 76 53 12 50,831 76 53 13 50,907 76 53 14 50,984 76 54 15 51,060 77 54 16 51,137 77 54 17 51,214 77 54 18 51,290 77 54 19 51,367 77 54 20 51,444 77 54 TOTAL $1,522 $1,065 - 2LOCAL SAVINGS0.15%-$50,000N.A.Credit Union0.64x (National Avg. - 0.23%)$2,500SCENARIO
Year Rate
0.15%Annual
InterestAnnual Interest
(After Tax)1 50,000 75 53 2 50,075 75 53 3 50,150 75 53 4 50,225 75 53 5 50,301 75 53 6 50,376 76 53 7 50,452 76 53 8 50,527 76 53 9 50,603 76 53 10 50,679 76 53 11 50,755 76 53 12 50,831 76 53 13 50,907 76 53 14 50,984 76 54 15 51,060 77 54 16 51,137 77 54 17 51,214 77 54 18 51,290 77 54 19 51,367 77 54 20 51,444 77 54 TOTAL $1,522 $1,065 - 3LOCAL SAVINGS0.07%-$50,000N.A.Credit Union0.30x (National Avg. - 0.23%)$2,500SCENARIO
Year Rate
0.07%Annual
InterestAnnual Interest
(After Tax)1 50,000 35 25 2 50,035 35 25 3 50,070 35 25 4 50,105 35 25 5 50,140 35 25 6 50,175 35 25 7 50,210 35 25 8 50,246 35 25 9 50,281 35 25 10 50,316 35 25 11 50,351 35 25 12 50,386 35 25 13 50,422 35 25 14 50,457 35 25 15 50,492 35 25 16 50,528 35 25 17 50,563 35 25 18 50,598 35 25 19 50,634 35 25 20 50,669 35 25 TOTAL $705 $493 - 4LOCAL MONEY MARKET1.92%-$50,000N.A.Credit Union8.21x (National Avg. - 0.23%)$175,000SCENARIO
Year Rate
1.92%Annual
InterestAnnual Interest
(After Tax)1 50,000 960 672 2 50,960 978 685 3 51,938 997 698 4 52,936 1,016 711 5 53,952 1,036 725 6 54,988 1,056 739 7 56,044 1,076 753 8 57,120 1,097 768 9 58,216 1,118 782 10 59,334 1,139 797 11 60,473 1,161 813 12 61,634 1,183 828 13 62,818 1,206 844 14 64,024 1,229 860 15 65,253 1,253 877 16 66,506 1,277 894 17 67,783 1,301 911 18 69,084 1,326 928 19 70,411 1,352 946 20 71,763 1,378 964 TOTAL $23,141 $16,198 - 5LOCAL SAVINGS3.25%-$50,000N.A.Credit Union13.89x (National Avg. - 0.23%)$10,000SCENARIO
Year Rate
3.25%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,625 1,138 2 51,625 1,678 1,174 3 53,303 1,732 1,213 4 55,035 1,789 1,252 5 56,824 1,847 1,293 6 58,671 1,907 1,335 7 60,577 1,969 1,378 8 62,546 2,033 1,423 9 64,579 2,099 1,469 10 66,678 2,167 1,517 11 68,845 2,237 1,566 12 71,082 2,310 1,617 13 73,392 2,385 1,670 14 75,778 2,463 1,724 15 78,240 2,543 1,780 16 80,783 2,625 1,838 17 83,409 2,711 1,898 18 86,119 2,799 1,959 19 88,918 2,890 2,023 20 91,808 2,984 2,089 TOTAL $44,792 $31,354
All calculations are for demonstration purposes only.
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
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4.35% | $100,000 |
Learn More on the North American Savings Bank, F.S.B. website |
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4.50% |
$500 |
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4.50% |
$500 |
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4.50% |
$10,000 |
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4.50% |
$10,000 |
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Last change: ↑1.20% on August 6. |
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