Compare Savings vs. CDs
Comparison of Deposit Account from SHELL with 3.90%
- October 2026
Long-Term Analysis of FITZSIMONS with 1.25% APY and FREESTONE with 0.90% APY and SHELL with 3.90% 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 CD1.25%-$50,00060 MonthCredit Union1.35x (National Avg. - 0.93%)$500SCENARIO
Year Rate
1.25%Annual
InterestAnnual Interest
(After Tax)1 50,000 625 438 2 50,625 633 443 3 51,258 641 449 4 51,899 649 454 5 52,547 657 460 6 53,204 665 466 7 53,869 673 471 8 54,543 682 477 9 55,224 690 483 10 55,915 699 489 11 56,614 708 495 12 57,321 717 502 13 58,038 725 508 14 58,763 735 514 15 59,498 744 521 16 60,241 753 527 17 60,994 762 534 18 61,757 772 540 19 62,529 782 547 20 63,310 791 554 TOTAL $14,102 $9,871 - 2LOCAL CD0.90%-$50,00036 MonthCredit Union1.19x (National Avg. - 0.76%)$100,000SCENARIO
Year Rate
0.90%Annual
InterestAnnual Interest
(After Tax)1 50,000 452 316 2 50,452 456 319 3 50,908 460 322 4 51,368 464 325 5 51,833 469 328 6 52,301 473 331 7 52,774 477 334 8 53,251 481 337 9 53,733 486 340 10 54,218 490 343 11 54,708 495 346 12 55,203 499 349 13 55,702 504 352 14 56,206 508 356 15 56,714 513 359 16 57,226 517 362 17 57,744 522 365 18 58,266 527 369 19 58,792 531 372 20 59,324 536 375 TOTAL $9,860 $6,902 - 3LOCAL CD3.90%-$50,00060 MonthCredit Union4.20x (National Avg. - 0.93%)$50,000SCENARIO
Year Rate
3.90%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,950 1,365 2 51,950 2,026 1,418 3 53,976 2,105 1,474 4 56,081 2,187 1,531 5 58,268 2,272 1,591 6 60,541 2,361 1,653 7 62,902 2,453 1,717 8 65,355 2,549 1,784 9 67,904 2,648 1,854 10 70,552 2,752 1,926 11 73,304 2,859 2,001 12 76,162 2,970 2,079 13 79,133 3,086 2,160 14 82,219 3,207 2,245 15 85,426 3,332 2,332 16 88,757 3,462 2,423 17 92,219 3,597 2,518 18 95,815 3,737 2,616 19 99,552 3,883 2,718 20 103,434 4,034 2,824 TOTAL $57,468 $40,228
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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4.95% |
$10,000 |
Learn More | |
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Last change: ↑0.45% on October 1. |
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4.85% |
$10,000 |
Learn More | |
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Last change: ↑0.35% on October 1. |
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4.80% |
$10,000 |
Learn More | |
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Last change: ↑0.30% on October 1. |
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4.65% |
$1,000 |
Learn More | |
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Last change: ↑0.35% on September 25. |
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