Compare Savings vs. CDs
Comparison of Deposit Account from ST. ANNE'S with 100.00% - December 2025


Long-Term Analysis of SOUTHBRIDGE with 0.95% APY and ST. ANNE'S with 100.00% 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

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    0.95%
    -
    $50,000
    48 Month
    Credit Union
    1.16x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.95%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 475 333
    2 50,475 480 336
    3 50,955 484 339
    4 51,439 489 342
    5 51,927 493 345
    6 52,421 498 349
    7 52,919 503 352
    8 53,421 508 355
    9 53,929 512 359
    10 54,441 517 362
    11 54,958 522 365
    12 55,480 527 369
    13 56,007 532 372
    14 56,540 537 376
    15 57,077 542 380
    16 57,619 547 383
    17 58,166 553 387
    18 58,719 558 390
    19 59,277 563 394
    20 59,840 568 398
    TOTAL $10,408 $7,286
  • 2
    LOCAL CD
    100.00%
    -
    $50,000
    48 Month
    Credit Union
    122.10x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    100.00%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 50,000 35,000
    2 100,000 100,000 70,000
    3 200,000 200,000 140,000
    4 400,000 400,000 280,000
    5 800,000 800,000 560,000
    6 1,600,000 1,600,000 1,120,000
    7 3,200,000 3,200,000 2,240,000
    8 6,400,000 6,400,000 4,480,000
    9 12,800,000 12,800,000 8,960,000
    10 25,600,000 25,600,000 17,920,000
    11 51,200,000 51,200,000 35,840,000
    12 102,400,000 102,400,000 71,680,000
    13 204,800,000 204,800,000 143,360,000
    14 409,600,000 409,600,000 286,720,000
    15 819,200,000 819,200,000 573,440,000
    16 1,638,400,000 1,638,400,000 1,146,880,000
    17 3,276,800,000 3,276,800,000 2,293,760,000
    18 6,553,600,000 6,553,600,000 4,587,520,000
    19 13,107,200,000 13,107,200,000 9,175,040,000
    20 26,214,400,000 26,214,400,000 18,350,080,000
    TOTAL $52,428,750,000 $36,700,125,000

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↑0.05% on December 1.

    Last change: ↑0.10% on December 1.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↓0.15% on November 26.