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Compare Savings vs. CDs
Comparison of Deposit Account from SECURITY FIRST with 1.31% - May 2025


Long-Term Analysis of CSE with 0.10% APY and FIRST CLASS COMMUNITY with 0.10% APY and CLEARPATH with 0.85% APY and ENFIELD COMMUNITY with 0.15% APY and ENFIELD COMMUNITY with 0.15% APY and ENFIELD COMMUNITY with 0.25% APY and COMMUNITIES OF ABILENE with 0.50% APY and COMMUNITIES OF ABILENE with 0.60% APY and SECURITY FIRST with 1.31% APY and SECURITY FIRST with 2.43% APY and SECURITY FIRST with 1.97% APY and SECURITY FIRST with 2.02% APY and SECURITY FIRST with 2.89% APY and SECURITY FIRST with 1.31% APY and SECURITY FIRST with 1.31% APY and SECURITY FIRST with 2.07% APY and SECURITY FIRST with 0.25% APY and SECURITY FIRST with 0.15% APY and SECURITY FIRST with 0.30% APY and SECURITY FIRST with 0.25% APY and CIBM Bank with 0.20% APY and iGobanking.com, a division of Flushing Bank with 4.25% 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.

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 SAVINGS
    CSE
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.45x (National Avg. - 0.22%)
    $5
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual 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
  • 2
    LOCAL CD
    FIRST CLASS COMMUNITY
    0.10%
    -
    $50,000
    12 Month
    Credit Union
    0.18x (National Avg. - 0.55%)
    $1,000
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual 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
  • 3
    LOCAL CD
    CLEARPATH
    0.85%
    -
    $50,000
    36 Month
    Credit Union
    1.13x (National Avg. - 0.75%)
    $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
  • 4
    LOCAL CD
    ENFIELD COMMUNITY
    0.15%
    -
    $50,000
    6 Month
    Credit Union
    0.37x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual 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
  • 5
    LOCAL MONEY MARKET
    ENFIELD COMMUNITY
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    0.37x (National Avg. - 0.41%)
    $2,500
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual 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
  • 6
    LOCAL MONEY MARKET
    ENFIELD COMMUNITY
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    0.61x (National Avg. - 0.41%)
    $25,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 7
    LOCAL CD
    COMMUNITIES OF ABILENE
    0.50%
    -
    $50,000
    36 Month
    Credit Union
    0.67x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 251 175
    2 50,251 252 176
    3 50,502 253 177
    4 50,755 254 178
    5 51,010 256 179
    6 51,265 257 180
    7 51,522 258 181
    8 51,780 259 182
    9 52,039 261 183
    10 52,300 262 183
    11 52,562 263 184
    12 52,826 265 185
    13 53,090 266 186
    14 53,356 267 187
    15 53,624 269 188
    16 53,892 270 189
    17 54,162 271 190
    18 54,434 273 191
    19 54,706 274 192
    20 54,980 275 193
    TOTAL $5,256 $3,679
  • 8
    LOCAL CD
    COMMUNITIES OF ABILENE
    0.60%
    -
    $50,000
    60 Month
    Credit Union
    0.66x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 301 211
    2 50,301 303 212
    3 50,604 305 213
    4 50,908 306 215
    5 51,215 308 216
    6 51,523 310 217
    7 51,833 312 218
    8 52,145 314 220
    9 52,459 316 221
    10 52,775 318 222
    11 53,093 320 224
    12 53,412 322 225
    13 53,734 323 226
    14 54,058 325 228
    15 54,383 327 229
    16 54,710 329 231
    17 55,040 331 232
    18 55,371 333 233
    19 55,704 335 235
    20 56,040 337 236
    TOTAL $6,377 $4,464
  • 9
    LOCAL CD
    SECURITY FIRST
    1.31%
    -
    $50,000
    12 Month
    Credit Union
    2.38x (National Avg. - 0.55%)
    $500
     
    SCENARIO
    Year Rate
    1.31%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 655 459
    2 50,655 664 465
    3 51,319 672 471
    4 51,991 681 477
    5 52,672 690 483
    6 53,362 699 489
    7 54,061 708 496
    8 54,769 717 502
    9 55,487 727 509
    10 56,214 736 515
    11 56,950 746 522
    12 57,696 756 529
    13 58,452 766 536
    14 59,218 776 543
    15 59,993 786 550
    16 60,779 796 557
    17 61,575 807 565
    18 62,382 817 572
    19 63,199 828 580
    20 64,027 839 587
    TOTAL $14,866 $10,406
  • 10
    LOCAL CD
    SECURITY FIRST
    2.43%
    -
    $50,000
    18 Month
    Credit Union
    4.19x (National Avg. - 0.58%)
    $1,000
     
    SCENARIO
    Year Rate
    2.43%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,215 851
    2 51,215 1,245 871
    3 52,460 1,275 892
    4 53,734 1,306 914
    5 55,040 1,337 936
    6 56,378 1,370 959
    7 57,747 1,403 982
    8 59,151 1,437 1,006
    9 60,588 1,472 1,031
    10 62,060 1,508 1,056
    11 63,568 1,545 1,081
    12 65,113 1,582 1,108
    13 66,695 1,621 1,134
    14 68,316 1,660 1,162
    15 69,976 1,700 1,190
    16 71,677 1,742 1,219
    17 73,418 1,784 1,249
    18 75,202 1,827 1,279
    19 77,030 1,872 1,310
    20 78,902 1,917 1,342
    TOTAL $30,819 $21,573
  • 11
    LOCAL CD
    SECURITY FIRST
    1.97%
    -
    $50,000
    24 Month
    Credit Union
    2.99x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    1.97%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 985 690
    2 50,985 1,004 703
    3 51,989 1,024 717
    4 53,014 1,044 731
    5 54,058 1,065 745
    6 55,123 1,086 760
    7 56,209 1,107 775
    8 57,316 1,129 790
    9 58,445 1,151 806
    10 59,597 1,174 822
    11 60,771 1,197 838
    12 61,968 1,221 855
    13 63,189 1,245 871
    14 64,433 1,269 889
    15 65,703 1,294 906
    16 66,997 1,320 924
    17 68,317 1,346 942
    18 69,663 1,372 961
    19 71,035 1,399 980
    20 72,435 1,427 999
    TOTAL $23,862 $16,703
  • 12
    LOCAL CD
    SECURITY FIRST
    2.02%
    -
    $50,000
    48 Month
    Credit Union
    2.48x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    2.02%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,010 707
    2 51,010 1,030 721
    3 52,040 1,051 736
    4 53,092 1,072 751
    5 54,164 1,094 766
    6 55,258 1,116 781
    7 56,374 1,139 797
    8 57,513 1,162 813
    9 58,675 1,185 830
    10 59,860 1,209 846
    11 61,069 1,234 864
    12 62,303 1,259 881
    13 63,561 1,284 899
    14 64,845 1,310 917
    15 66,155 1,336 935
    16 67,492 1,363 954
    17 68,855 1,391 974
    18 70,246 1,419 993
    19 71,665 1,448 1,013
    20 73,112 1,477 1,034
    TOTAL $24,589 $17,212
  • 13
    LOCAL CD
    SECURITY FIRST
    2.89%
    -
    $50,000
    48 Month
    Credit Union
    3.54x (National Avg. - 0.82%)
    $1,000
     
    SCENARIO
    Year Rate
    2.89%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,445 1,012
    2 51,445 1,487 1,041
    3 52,932 1,530 1,071
    4 54,461 1,574 1,102
    5 56,035 1,619 1,134
    6 57,655 1,666 1,166
    7 59,321 1,714 1,200
    8 61,035 1,764 1,235
    9 62,799 1,815 1,270
    10 64,614 1,867 1,307
    11 66,482 1,921 1,345
    12 68,403 1,977 1,384
    13 70,380 2,034 1,424
    14 72,414 2,093 1,465
    15 74,507 2,153 1,507
    16 76,660 2,215 1,551
    17 78,875 2,279 1,596
    18 81,155 2,345 1,642
    19 83,500 2,413 1,689
    20 85,913 2,483 1,738
    TOTAL $38,396 $26,877
  • 14
    LOCAL CD
    SECURITY FIRST
    1.31%
    -
    $50,000
    6 Month
    Credit Union
    3.22x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    1.31%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 655 459
    2 50,655 664 465
    3 51,319 672 471
    4 51,991 681 477
    5 52,672 690 483
    6 53,362 699 489
    7 54,061 708 496
    8 54,769 717 502
    9 55,487 727 509
    10 56,214 736 515
    11 56,950 746 522
    12 57,696 756 529
    13 58,452 766 536
    14 59,218 776 543
    15 59,993 786 550
    16 60,779 796 557
    17 61,575 807 565
    18 62,382 817 572
    19 63,199 828 580
    20 64,027 839 587
    TOTAL $14,866 $10,406
  • 15
    LOCAL CD
    SECURITY FIRST
    1.31%
    -
    $50,000
    6 Month
    Credit Union
    3.22x (National Avg. - 0.41%)
    $1,000
     
    SCENARIO
    Year Rate
    1.31%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 655 459
    2 50,655 664 465
    3 51,319 672 471
    4 51,991 681 477
    5 52,672 690 483
    6 53,362 699 489
    7 54,061 708 496
    8 54,769 717 502
    9 55,487 727 509
    10 56,214 736 515
    11 56,950 746 522
    12 57,696 756 529
    13 58,452 766 536
    14 59,218 776 543
    15 59,993 786 550
    16 60,779 796 557
    17 61,575 807 565
    18 62,382 817 572
    19 63,199 828 580
    20 64,027 839 587
    TOTAL $14,866 $10,406
  • 16
    LOCAL CD
    SECURITY FIRST
    2.07%
    -
    $50,000
    60 Month
    Credit Union
    2.25x (National Avg. - 0.92%)
    $500
     
    SCENARIO
    Year Rate
    2.07%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,035 725
    2 51,035 1,056 739
    3 52,091 1,078 755
    4 53,170 1,101 770
    5 54,270 1,123 786
    6 55,394 1,147 803
    7 56,540 1,170 819
    8 57,711 1,195 836
    9 58,905 1,219 854
    10 60,125 1,245 871
    11 61,369 1,270 889
    12 62,640 1,297 908
    13 63,936 1,323 926
    14 65,260 1,351 946
    15 66,611 1,379 965
    16 67,989 1,407 985
    17 69,397 1,437 1,006
    18 70,833 1,466 1,026
    19 72,300 1,497 1,048
    20 73,796 1,528 1,069
    TOTAL $25,324 $17,727
  • 17
    LOCAL MONEY MARKET
    SECURITY FIRST
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    0.27x (National Avg. - 0.92%)
    $25,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 18
    LOCAL MONEY MARKET
    SECURITY FIRST
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    0.16x (National Avg. - 0.92%)
    $2,500
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual 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
  • 19
    LOCAL MONEY MARKET
    SECURITY FIRST
    0.30%
    -
    $50,000
    N.A.
    Credit Union
    0.33x (National Avg. - 0.92%)
    $50,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 20
    LOCAL SAVINGS
    SECURITY FIRST
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    1.12x (National Avg. - 0.22%)
    $100
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 21
    LOCAL MONEY MARKET
    CIBM Bank
    0.20%
    -
    $50,000
    N.A.
    Bank
    0.90x (National Avg. - 0.22%)
    $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
  • 22
    ONLINE CD
    iGobanking.com, a division of Flushing Bank
    4.25%
    -
    $50,000
    6 Month
    Online Bank
    10.44x (National Avg. - 0.41%)
    $1,000
     
    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

    All calculations are for demonstration purposes only.

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