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Comparison of Deposit Account from Savers Co-operative Bank with 1.69% - August 2025


Long-Term Analysis of F&M Bank with 0.95% APY and Savers Co-operative Bank with 1.69% 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
    F&M Bank
    0.95%
    -
    $50,000
    60 Month
    Bank
    1.03x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 475 333
    2 50,475 480 336
    3 50,955 484 339
    4 51,439 489 342
    5 51,927 493 345
    6 52,421 498 349
    7 52,919 503 352
    8 53,421 508 355
    9 53,929 512 359
    10 54,441 517 362
    11 54,958 522 365
    12 55,480 527 369
    13 56,007 532 372
    14 56,540 537 376
    15 57,077 542 380
    16 57,619 547 383
    17 58,166 553 387
    18 58,719 558 390
    19 59,277 563 394
    20 59,840 568 398
    TOTAL $10,408 $7,286
  • 2
    LOCAL CD
    Savers Co-operative Bank
    1.69%
    -
    $50,000
    48 Month
    Bank
    2.07x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    1.69%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 845 592
    2 50,845 859 601
    3 51,704 874 612
    4 52,578 889 622
    5 53,467 904 633
    6 54,370 919 643
    7 55,289 934 654
    8 56,223 950 665
    9 57,174 966 676
    10 58,140 983 688
    11 59,122 999 699
    12 60,122 1,016 711
    13 61,138 1,033 723
    14 62,171 1,051 735
    15 63,222 1,068 748
    16 64,290 1,087 761
    17 65,377 1,105 773
    18 66,481 1,124 786
    19 67,605 1,143 800
    20 68,747 1,162 813
    TOTAL $19,909 $13,937

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.10% on July 13.

    Last change: ↑0.40% on June 24.
    Early withdrawal penalty is 3 Months' Interest.

    Last change: ↓0.05% on August 2.
    7-Month CD.

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