Compare Savings vs. CDs
Comparison of Deposit Account from SOUTHWEST HERITAGE with 3.51%
- October 2026
Long-Term Analysis of Cogent Bank with 0.60% APY and Colony Bank with 0.15% APY and LOUISIANA with 1.46% APY and Renasant Bank with 0.25% APY and SOUTHWEST HERITAGE with 3.51% 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
- 1LOCAL CD0.60%-$50,00030 MonthBankN.A.$100,000SCENARIO
Year Rate
0.60%Annual
InterestAnnual 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 - 2LOCAL CD0.15%-$50,00018 MonthBank0.26x (National Avg. - 0.58%)$10,000SCENARIO
Year Rate
0.15%Annual
InterestAnnual 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 - 3LOCAL CD1.46%-$50,00036 MonthCredit Union1.92x (National Avg. - 0.76%)$10,000SCENARIO
Year Rate
1.46%Annual
InterestAnnual Interest
(After Tax)1 50,000 730 511 2 50,730 741 518 3 51,471 751 526 4 52,222 762 534 5 52,985 774 542 6 53,758 785 549 7 54,543 796 557 8 55,339 808 566 9 56,147 820 574 10 56,967 832 582 11 57,799 844 591 12 58,643 856 599 13 59,499 869 608 14 60,367 881 617 15 61,249 894 626 16 62,143 907 635 17 63,050 921 644 18 63,971 934 654 19 64,905 948 663 20 65,853 961 673 TOTAL $16,814 $11,770 - 4LOCAL CD0.25%-$50,00012 MonthBank0.45x (National Avg. - 0.55%)$100,000SCENARIO
Year Rate
0.25%Annual
InterestAnnual 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 - 5LOCAL CD3.51%-$50,00060 MonthCredit Union3.78x (National Avg. - 0.93%)$1,000SCENARIO
Year Rate
3.51%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,755 1,229 2 51,755 1,817 1,272 3 53,572 1,880 1,316 4 55,452 1,946 1,362 5 57,398 2,015 1,410 6 59,413 2,085 1,460 7 61,498 2,159 1,511 8 63,657 2,234 1,564 9 65,891 2,313 1,619 10 68,204 2,394 1,676 11 70,598 2,478 1,735 12 73,076 2,565 1,795 13 75,641 2,655 1,859 14 78,296 2,748 1,924 15 81,044 2,845 1,991 16 83,889 2,945 2,061 17 86,833 3,048 2,133 18 89,881 3,155 2,208 19 93,036 3,266 2,286 20 96,302 3,380 2,366 TOTAL $49,682 $34,777
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 |
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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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