Compare Savings vs. CDs
Comparison of Deposit Account from Southwind Bank with 1.50%
- September 2026
Long-Term Analysis of Southwind Bank with 1.50% APY and Astra Bank with 1.26% APY and Emprise Bank with 3.50% APY and Emprise Bank with 3.25% APY and Legacy Bank with 1.20% APY and Garden Plain State Bank with 1.00% APY and Garden Plain State Bank with 1.26% 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 CD1.50%-$50,00060 MonthBank1.62x (National Avg. - 0.93%)$500SCENARIO
Year Rate
1.50%Annual
InterestAnnual Interest
(After Tax)1 50,000 750 525 2 50,750 761 533 3 51,511 773 541 4 52,284 784 549 5 53,068 796 557 6 53,864 808 566 7 54,672 820 574 8 55,492 832 583 9 56,325 845 591 10 57,169 858 600 11 58,027 870 609 12 58,897 883 618 13 59,781 897 628 14 60,678 910 637 15 61,588 924 647 16 62,512 938 656 17 63,449 952 666 18 64,401 966 676 19 65,367 981 686 20 66,348 995 697 TOTAL $17,343 $12,140 - 2LOCAL CD1.26%-$50,00060 MonthBank1.36x (National Avg. - 0.93%)$500SCENARIO
Year Rate
1.26%Annual
InterestAnnual Interest
(After Tax)1 50,000 630 441 2 50,630 638 447 3 51,268 646 452 4 51,914 654 458 5 52,568 662 464 6 53,230 671 469 7 53,901 679 475 8 54,580 688 481 9 55,268 696 487 10 55,964 705 494 11 56,669 714 500 12 57,384 723 506 13 58,107 732 512 14 58,839 741 519 15 59,580 751 525 16 60,331 760 532 17 61,091 770 539 18 61,861 779 546 19 62,640 789 552 20 63,429 799 559 TOTAL $14,229 $9,960 - 3LOCAL CD3.50%-$50,00024 MonthBank5.28x (National Avg. - 0.66%)$1,000SCENARIO
Year Rate
3.50%Annual
InterestAnnual 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 - 4LOCAL CD3.25%-$50,00048 MonthBank3.95x (National Avg. - 0.82%)$1,000SCENARIO
Year Rate
3.25%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,625 1,138 2 51,625 1,678 1,174 3 53,303 1,732 1,213 4 55,035 1,789 1,252 5 56,824 1,847 1,293 6 58,671 1,907 1,335 7 60,577 1,969 1,378 8 62,546 2,033 1,423 9 64,579 2,099 1,469 10 66,678 2,167 1,517 11 68,845 2,237 1,566 12 71,082 2,310 1,617 13 73,392 2,385 1,670 14 75,778 2,463 1,724 15 78,240 2,543 1,780 16 80,783 2,625 1,838 17 83,409 2,711 1,898 18 86,119 2,799 1,959 19 88,918 2,890 2,023 20 91,808 2,984 2,089 TOTAL $44,792 $31,354 - 5LOCAL CD1.20%-$50,00060 MonthBank1.30x (National Avg. - 0.93%)$10,000SCENARIO
Year Rate
1.20%Annual
InterestAnnual Interest
(After Tax)1 50,000 600 420 2 50,600 607 425 3 51,207 614 430 4 51,822 622 435 5 52,444 629 441 6 53,073 637 446 7 53,710 645 451 8 54,354 652 457 9 55,007 660 462 10 55,667 668 468 11 56,335 676 473 12 57,011 684 479 13 57,695 692 485 14 58,387 701 490 15 59,088 709 496 16 59,797 718 502 17 60,514 726 508 18 61,240 735 514 19 61,975 744 521 20 62,719 753 527 TOTAL $13,472 $9,430 - 6LOCAL CD1.00%-$50,00024 MonthBank1.51x (National Avg. - 0.66%)$10,000SCENARIO
Year Rate
1.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 500 350 2 50,500 505 354 3 51,005 510 357 4 51,515 515 361 5 52,030 520 364 6 52,551 526 368 7 53,076 531 372 8 53,607 536 375 9 54,143 541 379 10 54,684 547 383 11 55,231 552 387 12 55,783 558 390 13 56,341 563 394 14 56,905 569 398 15 57,474 575 402 16 58,048 580 406 17 58,629 586 410 18 59,215 592 415 19 59,807 598 419 20 60,405 604 423 TOTAL $11,010 $7,707 - 7LOCAL CD1.26%-$50,00048 MonthBank1.53x (National Avg. - 0.82%)$10,000SCENARIO
Year Rate
1.26%Annual
InterestAnnual Interest
(After Tax)1 50,000 630 441 2 50,630 638 447 3 51,268 646 452 4 51,914 654 458 5 52,568 662 464 6 53,230 671 469 7 53,901 679 475 8 54,580 688 481 9 55,268 696 487 10 55,964 705 494 11 56,669 714 500 12 57,384 723 506 13 58,107 732 512 14 58,839 741 519 15 59,580 751 525 16 60,331 760 532 17 61,091 770 539 18 61,861 779 546 19 62,640 789 552 20 63,429 799 559 TOTAL $14,229 $9,960
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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4.65% |
$1,000 |
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Last change: ↑0.35% on September 25. |
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4.50% |
$500 |
Learn More | |
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Last change: ↑0.45% on April 27. |
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4.50% |
$500 |
Learn More | |
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Last change: ↑0.43% on April 27. |
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4.50% |
$2,500 |
Learn More | |
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Last change: ↑0.10% on September 25. |
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