Compare Savings vs. CDs
Comparison of Deposit Account from SECURITY SERVICE with 4.10% - December 2025


Long-Term Analysis of RIVERSIDE COMMUNITY with 1.22% APY and COMPLEX COMMUNITY with 0.68% APY and SECURITY SERVICE with 4.10% 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.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    1.22%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    1.22%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 610 427
    2 50,610 617 432
    3 51,227 625 437
    4 51,852 633 443
    5 52,485 640 448
    6 53,125 648 454
    7 53,773 656 459
    8 54,429 664 465
    9 55,094 672 470
    10 55,766 680 476
    11 56,446 689 482
    12 57,135 697 488
    13 57,832 706 494
    14 58,537 714 500
    15 59,251 723 506
    16 59,974 732 512
    17 60,706 741 518
    18 61,447 750 525
    19 62,196 759 531
    20 62,955 768 538
    TOTAL $13,723 $9,606
  • 2
    LOCAL MONEY MARKET
    0.68%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $50,000
     
    SCENARIO
    Year Rate
    0.68%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 340 238
    2 50,340 342 240
    3 50,682 345 241
    4 51,027 347 243
    5 51,374 349 245
    6 51,723 352 246
    7 52,075 354 248
    8 52,429 357 250
    9 52,786 359 251
    10 53,145 361 253
    11 53,506 364 255
    12 53,870 366 256
    13 54,236 369 258
    14 54,605 371 260
    15 54,976 374 262
    16 55,350 376 263
    17 55,726 379 265
    18 56,105 382 267
    19 56,487 384 269
    20 56,871 387 271
    TOTAL $7,258 $5,080
  • 3
    LOCAL CD
    4.10%
    -
    $50,000
    7 Month
    Credit Union
    N.A.
    $50,000
     
    SCENARIO
    Year Rate
    4.10%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,050 1,435
    2 52,050 2,134 1,494
    3 54,184 2,222 1,555
    4 56,406 2,313 1,619
    5 58,718 2,407 1,685
    6 61,126 2,506 1,754
    7 63,632 2,609 1,826
    8 66,241 2,716 1,901
    9 68,957 2,827 1,979
    10 71,784 2,943 2,060
    11 74,727 3,064 2,145
    12 77,791 3,189 2,233
    13 80,980 3,320 2,324
    14 84,300 3,456 2,419
    15 87,757 3,598 2,519
    16 91,355 3,746 2,622
    17 95,100 3,899 2,729
    18 98,999 4,059 2,841
    19 103,058 4,225 2,958
    20 107,284 4,399 3,079
    TOTAL $61,682 $43,178

    All calculations are for demonstration purposes only.

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