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Compare Savings vs. CDs
Comparison of Deposit Account from SIOUX FALLS with 0.15% - August 2025

Long-Term Analysis of DCH with 0.85% APY and ALLUS with 0.10% APY and SUN COMMUNITY with 0.75% APY and METRUM COMMUNITY with 0.60% APY and COMMONWEALTH ONE with 3.82% APY and COMMONWEALTH ONE with 2.99% APY and VELOCITY COMMUNITY with 3.50% APY and QUORUM with 2.45% APY and BRAGG MUTUAL with 0.75% APY and NUSENDA with 3.90% APY and MOHAWK VALLEY with 4.30% APY and MOHAWK VALLEY with 3.56% APY and CUTTING EDGE with 4.07% APY and SIOUX FALLS with 0.80% APY and SIOUX FALLS with 1.16% APY and SIOUX FALLS with 0.15% APY and CAL-COM with 0.75% APY and UTAH FIRST with 4.25% APY and COMMONWEALTH ONE with 3.10% APY and COMMONWEALTH ONE with 0.75% APY and APPALACHIAN COMMUNITY with 0.70% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

DCH

0.85%

$50,000

6 Month

Credit Union

2.08x (National Avg. - 0.41%)

$10,000

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

LOCAL CD

ALLUS

0.10%

$50,000

6 Month

Credit Union

0.24x (National Avg. - 0.41%)

$100,000

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

LOCAL CD

SUN COMMUNITY

0.75%

$50,000

6 Month

Credit Union

1.83x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

METRUM COMMUNITY

0.60%

$50,000

24 Month

Credit Union

0.91x (National Avg. - 0.66%)

$25,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL CD

COMMONWEALTH ONE

3.82%

$50,000

12 Month

Credit Union

6.92x (National Avg. - 0.55%)

$1,000

SCENARIO

Year	Rate 3.82%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,910	1,337
2	51,910	1,983	1,388
3	53,893	2,059	1,441
4	55,952	2,137	1,496
5	58,089	2,219	1,553
6	60,308	2,304	1,613
7	62,612	2,392	1,674
8	65,004	2,483	1,738
9	67,487	2,578	1,805
10	70,065	2,676	1,874
11	72,741	2,779	1,945
12	75,520	2,885	2,019
13	78,405	2,995	2,097
14	81,400	3,109	2,177
15	84,509	3,228	2,260
16	87,738	3,352	2,346
17	91,089	3,480	2,436
18	94,569	3,613	2,529
19	98,181	3,751	2,625
20	101,932	3,894	2,726
	TOTAL	$55,826	$39,078

LOCAL CD

COMMONWEALTH ONE

2.99%

$50,000

18 Month

Credit Union

5.15x (National Avg. - 0.58%)

$1,000

SCENARIO

Year	Rate 2.99%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,495	1,047
2	51,495	1,540	1,078
3	53,035	1,586	1,110
4	54,620	1,633	1,143
5	56,254	1,682	1,177
6	57,936	1,732	1,213
7	59,668	1,784	1,249
8	61,452	1,837	1,286
9	63,289	1,892	1,325
10	65,182	1,949	1,364
11	67,131	2,007	1,405
12	69,138	2,067	1,447
13	71,205	2,129	1,490
14	73,334	2,193	1,535
15	75,527	2,258	1,581
16	77,785	2,326	1,628
17	80,111	2,395	1,677
18	82,506	2,467	1,727
19	84,973	2,541	1,778
20	87,514	2,617	1,832
	TOTAL	$40,130	$28,091

LOCAL CD

VELOCITY COMMUNITY

3.50%

$50,000

6 Month

Credit Union

8.56x (National Avg. - 0.41%)

$1,000

SCENARIO

Year	Rate 3.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,750	1,225
2	51,750	1,811	1,268
3	53,561	1,875	1,312
4	55,436	1,940	1,358
5	57,376	2,008	1,406
6	59,384	2,078	1,455
7	61,463	2,151	1,506
8	63,614	2,226	1,559
9	65,840	2,304	1,613
10	68,145	2,385	1,670
11	70,530	2,469	1,728
12	72,998	2,555	1,788
13	75,553	2,644	1,851
14	78,198	2,737	1,916
15	80,935	2,833	1,983
16	83,767	2,932	2,052
17	86,699	3,034	2,124
18	89,734	3,141	2,198
19	92,874	3,251	2,275
20	96,125	3,364	2,355
	TOTAL	$49,489	$34,643

LOCAL CD

QUORUM

2.45%

$50,000

6 Month

Credit Union

5.99x (National Avg. - 0.41%)

$1,000

SCENARIO

Year	Rate 2.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,225	858
2	51,225	1,255	879
3	52,480	1,286	900
4	53,766	1,317	922
5	55,083	1,350	945
6	56,433	1,383	968
7	57,815	1,416	992
8	59,232	1,451	1,016
9	60,683	1,487	1,041
10	62,170	1,523	1,066
11	63,693	1,560	1,092
12	65,253	1,599	1,119
13	66,852	1,638	1,147
14	68,490	1,678	1,175
15	70,168	1,719	1,203
16	71,887	1,761	1,233
17	73,648	1,804	1,263
18	75,452	1,849	1,294
19	77,301	1,894	1,326
20	79,195	1,940	1,358
	TOTAL	$31,135	$21,795

LOCAL CD

BRAGG MUTUAL

0.75%

$50,000

6 Month

Credit Union

1.83x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

NUSENDA

3.90%

$50,000

6 Month

Credit Union

9.54x (National Avg. - 0.41%)

$1,000

SCENARIO

Year	Rate 3.90%	Annual Interest	Annual 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

LOCAL CD

MOHAWK VALLEY

4.30%

$50,000

12 Month

Credit Union

7.79x (National Avg. - 0.55%)

$1,000

SCENARIO

Year	Rate 4.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,150	1,505
2	52,150	2,242	1,570
3	54,392	2,339	1,637
4	56,731	2,439	1,708
5	59,171	2,544	1,781
6	61,715	2,654	1,858
7	64,369	2,768	1,938
8	67,137	2,887	2,021
9	70,024	3,011	2,108
10	73,035	3,140	2,198
11	76,175	3,276	2,293
12	79,451	3,416	2,391
13	82,867	3,563	2,494
14	86,430	3,717	2,602
15	90,147	3,876	2,713
16	94,023	4,043	2,830
17	98,066	4,217	2,952
18	102,283	4,398	3,079
19	106,681	4,587	3,211
20	111,268	4,785	3,349
	TOTAL	$66,053	$46,237

LOCAL CD

MOHAWK VALLEY

3.56%

$50,000

6 Month

Credit Union

8.70x (National Avg. - 0.41%)

$1,000

SCENARIO

Year	Rate 3.56%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,779	1,245
2	51,779	1,842	1,289
3	53,620	1,907	1,335
4	55,528	1,975	1,383
5	57,503	2,045	1,432
6	59,548	2,118	1,483
7	61,666	2,193	1,535
8	63,860	2,271	1,590
9	66,131	2,352	1,647
10	68,483	2,436	1,705
11	70,919	2,523	1,766
12	73,442	2,612	1,829
13	76,054	2,705	1,894
14	78,760	2,801	1,961
15	81,561	2,901	2,031
16	84,462	3,004	2,103
17	87,466	3,111	2,178
18	90,578	3,222	2,255
19	93,799	3,336	2,336
20	97,136	3,455	2,419
	TOTAL	$50,591	$35,414

LOCAL CD

CUTTING EDGE

4.07%

$50,000

6 Month

Credit Union

9.95x (National Avg. - 0.41%)

$500

SCENARIO

Year	Rate 4.07%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,035	1,425
2	52,035	2,118	1,482
3	54,153	2,204	1,543
4	56,357	2,294	1,606
5	58,651	2,387	1,671
6	61,038	2,484	1,739
7	63,522	2,585	1,810
8	66,107	2,691	1,883
9	68,798	2,800	1,960
10	71,598	2,914	2,040
11	74,512	3,033	2,123
12	77,545	3,156	2,209
13	80,701	3,285	2,299
14	83,985	3,418	2,393
15	87,403	3,557	2,490
16	90,961	3,702	2,591
17	94,663	3,853	2,697
18	98,515	4,010	2,807
19	102,525	4,173	2,921
20	106,698	4,343	3,040
	TOTAL	$61,040	$42,728

LOCAL CD

SIOUX FALLS

0.80%

$50,000

36 Month

Credit Union

1.06x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	400	280
2	50,400	403	282
3	50,803	406	284
4	51,210	410	287
5	51,619	413	289
6	52,032	416	291
7	52,449	420	294
8	52,868	423	296
9	53,291	426	298
10	53,717	430	301
11	54,147	433	303
12	54,580	437	306
13	55,017	440	308
14	55,457	444	311
15	55,901	447	313
16	56,348	451	316
17	56,799	454	318
18	57,253	458	321
19	57,711	462	323
20	58,173	465	326
	TOTAL	$8,638	$6,047

LOCAL CD

SIOUX FALLS

1.16%

$50,000

60 Month

Credit Union

1.26x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.16%	Annual Interest	Annual Interest (After Tax)
1	50,000	580	406
2	50,580	587	411
3	51,167	594	415
4	51,760	600	420
5	52,361	607	425
6	52,968	614	430
7	53,582	622	435
8	54,204	629	440
9	54,833	636	445
10	55,469	643	450
11	56,112	651	456
12	56,763	658	461
13	57,422	666	466
14	58,088	674	472
15	58,762	682	477
16	59,443	690	483
17	60,133	698	488
18	60,830	706	494
19	61,536	714	500
20	62,250	722	505
	TOTAL	$12,972	$9,080

LOCAL MONEY MARKET

SIOUX FALLS

0.15%

$50,000

N.A.

Credit Union

0.16x (National Avg. - 0.92%)

$25,000

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

LOCAL CD

CAL-COM

0.75%

$50,000

6 Month

Credit Union

1.83x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

UTAH FIRST

4.25%

$50,000

12 Month

Credit Union

7.70x (National Avg. - 0.55%)

$2,000

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

LOCAL CD

COMMONWEALTH ONE

3.10%

$50,000

24 Month

Credit Union

4.70x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 3.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,550	1,085
2	51,550	1,598	1,119
3	53,148	1,648	1,153
4	54,796	1,699	1,189
5	56,494	1,751	1,226
6	58,246	1,806	1,264
7	60,051	1,862	1,303
8	61,913	1,919	1,344
9	63,832	1,979	1,385
10	65,811	2,040	1,428
11	67,851	2,103	1,472
12	69,954	2,169	1,518
13	72,123	2,236	1,565
14	74,359	2,305	1,614
15	76,664	2,377	1,664
16	79,041	2,450	1,715
17	81,491	2,526	1,768
18	84,017	2,605	1,823
19	86,622	2,685	1,880
20	89,307	2,769	1,938
	TOTAL	$42,075	$29,453

LOCAL MONEY MARKET

COMMONWEALTH ONE

0.75%

$50,000

N.A.

Credit Union

1.14x (National Avg. - 0.66%)

$25,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

APPALACHIAN COMMUNITY

0.70%

$50,000

36 Month

Credit Union

0.93x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
Finworth, a division of InsBank	4.46%	$50,000	Learn More
Last change: ↑0.26% on April 9. Early Withdrawal Penalty is 6 months interest.
Bread Savings, a division of Bread Financial	4.45%	$1,500	Learn More
Last change: ↑0.10% on July 13.

Compare Savings vs. CDs Comparison of Deposit Account from SIOUX FALLS with 0.15% - August 2025

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Comparison of Deposit Account from SIOUX FALLS with 0.15% - August 2025