Compare Savings vs. CDs
Comparison of Deposit Account from State Bank & Trust Co. with 0.10%
- September 2026
Long-Term Analysis of State Bank & Trust Co. with 0.10% APY and First Seacoast Bank with 1.05% APY and Western Bank with 0.18% APY and Northwest Bank with 3.40% 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 CD0.10%-$50,0006 MonthBank0.25x (National Avg. - 0.40%)$10,000SCENARIO
Year Rate
0.10%Annual
InterestAnnual 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 - 2LOCAL CD1.05%-$50,00060 MonthBank1.13x (National Avg. - 0.93%)$10,000SCENARIO
Year Rate
1.05%Annual
InterestAnnual Interest
(After Tax)1 50,000 525 368 2 50,525 531 371 3 51,056 536 375 4 51,592 542 379 5 52,133 547 383 6 52,681 553 387 7 53,234 559 391 8 53,793 565 395 9 54,358 571 400 10 54,928 577 404 11 55,505 583 408 12 56,088 589 412 13 56,677 595 417 14 57,272 601 421 15 57,873 608 425 16 58,481 614 430 17 59,095 620 434 18 59,716 627 439 19 60,343 634 444 20 60,976 640 448 TOTAL $11,616 $8,131 - 3LOCAL CD0.18%-$50,00012 MonthBank0.33x (National Avg. - 0.55%)$10,000SCENARIO
Year Rate
0.18%Annual
InterestAnnual Interest
(After Tax)1 50,000 90 63 2 50,090 90 63 3 50,180 90 63 4 50,270 90 63 5 50,361 91 63 6 50,452 91 64 7 50,542 91 64 8 50,633 91 64 9 50,725 91 64 10 50,816 91 64 11 50,907 92 64 12 50,999 92 64 13 51,091 92 64 14 51,183 92 64 15 51,275 92 65 16 51,367 92 65 17 51,460 93 65 18 51,552 93 65 19 51,645 93 65 20 51,738 93 65 TOTAL $1,831 $1,282 - 4LOCAL CD3.40%-$50,00010 MonthBankN.A.$500SCENARIO
Year Rate
3.40%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,700 1,190 2 51,700 1,758 1,230 3 53,458 1,818 1,272 4 55,275 1,879 1,316 5 57,155 1,943 1,360 6 59,098 2,009 1,407 7 61,107 2,078 1,454 8 63,185 2,148 1,504 9 65,333 2,221 1,555 10 67,555 2,297 1,608 11 69,851 2,375 1,662 12 72,226 2,456 1,719 13 74,682 2,539 1,777 14 77,221 2,626 1,838 15 79,847 2,715 1,900 16 82,562 2,807 1,965 17 85,369 2,903 2,032 18 88,271 3,001 2,101 19 91,272 3,103 2,172 20 94,376 3,209 2,246 TOTAL $47,584 $33,309
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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4.65% |
$1,000 |
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Last change: ↑0.35% on September 25. |
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4.50% |
$500 |
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Last change: ↑0.45% on April 27. |
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4.50% |
$500 |
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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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