Compare Savings vs. CDs
Comparison of Deposit Account from SUFFOLK with 0.70% - November 2025


Long-Term Analysis of Titonka Savings Bank with 0.16% APY and Titonka Savings Bank with 0.31% APY and Titonka Savings Bank with 0.18% APY and Titonka Savings Bank with 0.19% APY and Titonka Savings Bank with 0.34% APY and Titonka Savings Bank with 0.23% APY and Titonka Savings Bank with 0.38% APY and Titonka Savings Bank with 0.54% APY and Titonka Savings Bank with 0.68% APY and PeoplesBank with 0.05% APY and PEOPLES with 0.20% APY and Pioneer Bank with 0.10% APY and SUFFOLK 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.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    0.16%
    -
    $50,000
    12 Month
    Bank
    0.29x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.16%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 80 56
    2 50,080 80 56
    3 50,160 80 56
    4 50,240 80 56
    5 50,321 81 56
    6 50,401 81 56
    7 50,482 81 57
    8 50,563 81 57
    9 50,644 81 57
    10 50,725 81 57
    11 50,806 81 57
    12 50,887 81 57
    13 50,968 82 57
    14 51,050 82 57
    15 51,132 82 57
    16 51,214 82 57
    17 51,295 82 57
    18 51,378 82 58
    19 51,460 82 58
    20 51,542 82 58
    TOTAL $1,625 $1,137
  • 2
    LOCAL CD
    0.31%
    -
    $50,000
    12 Month
    Bank
    0.57x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.31%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 155 109
    2 50,155 155 109
    3 50,310 156 109
    4 50,466 156 110
    5 50,623 157 110
    6 50,780 157 110
    7 50,937 158 111
    8 51,095 158 111
    9 51,254 159 111
    10 51,412 159 112
    11 51,572 160 112
    12 51,732 160 112
    13 51,892 161 113
    14 52,053 161 113
    15 52,214 162 113
    16 52,376 162 114
    17 52,539 163 114
    18 52,701 163 114
    19 52,865 164 115
    20 53,029 164 115
    TOTAL $3,193 $2,235
  • 3
    LOCAL CD
    0.18%
    -
    $50,000
    18 Month
    Bank
    0.31x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.18%
    Annual
    Interest
    Annual 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
  • 4
    LOCAL CD
    0.19%
    -
    $50,000
    24 Month
    Bank
    0.29x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.19%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 95 67
    2 50,095 95 67
    3 50,190 95 67
    4 50,286 96 67
    5 50,381 96 67
    6 50,477 96 67
    7 50,573 96 67
    8 50,669 96 67
    9 50,765 96 68
    10 50,862 97 68
    11 50,958 97 68
    12 51,055 97 68
    13 51,152 97 68
    14 51,249 97 68
    15 51,347 98 68
    16 51,444 98 68
    17 51,542 98 69
    18 51,640 98 69
    19 51,738 98 69
    20 51,836 98 69
    TOTAL $1,935 $1,354
  • 5
    LOCAL CD
    0.34%
    -
    $50,000
    24 Month
    Bank
    0.52x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.34%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 170 119
    2 50,170 171 119
    3 50,341 171 120
    4 50,512 172 120
    5 50,683 172 121
    6 50,856 173 121
    7 51,029 173 121
    8 51,202 174 122
    9 51,376 175 122
    10 51,551 175 123
    11 51,726 176 123
    12 51,902 176 124
    13 52,079 177 124
    14 52,256 178 124
    15 52,433 178 125
    16 52,612 179 125
    17 52,790 179 126
    18 52,970 180 126
    19 53,150 181 126
    20 53,331 181 127
    TOTAL $3,512 $2,458
  • 6
    LOCAL CD
    0.23%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.23%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 115 81
    2 50,115 115 81
    3 50,230 116 81
    4 50,346 116 81
    5 50,462 116 81
    6 50,578 116 81
    7 50,694 117 82
    8 50,811 117 82
    9 50,927 117 82
    10 51,045 117 82
    11 51,162 118 82
    12 51,280 118 83
    13 51,398 118 83
    14 51,516 118 83
    15 51,634 119 83
    16 51,753 119 83
    17 51,872 119 84
    18 51,991 120 84
    19 52,111 120 84
    20 52,231 120 84
    TOTAL $2,351 $1,646
  • 7
    LOCAL CD
    0.38%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    0.38%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 190 133
    2 50,190 191 134
    3 50,381 191 134
    4 50,572 192 135
    5 50,764 193 135
    6 50,957 194 136
    7 51,151 194 136
    8 51,345 195 137
    9 51,540 196 137
    10 51,736 197 138
    11 51,933 197 138
    12 52,130 198 139
    13 52,328 199 139
    14 52,527 200 140
    15 52,727 200 140
    16 52,927 201 141
    17 53,128 202 141
    18 53,330 203 142
    19 53,533 203 142
    20 53,736 204 143
    TOTAL $3,940 $2,758
  • 8
    LOCAL CD
    0.54%
    -
    $50,000
    48 Month
    Bank
    0.66x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.54%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 271 189
    2 50,271 272 190
    3 50,542 273 191
    4 50,816 275 192
    5 51,091 276 193
    6 51,367 278 195
    7 51,645 279 196
    8 51,925 281 197
    9 52,205 282 198
    10 52,488 284 199
    11 52,772 285 200
    12 53,057 287 201
    13 53,344 289 202
    14 53,633 290 203
    15 53,923 292 204
    16 54,215 293 205
    17 54,508 295 206
    18 54,803 296 208
    19 55,099 298 209
    20 55,398 300 210
    TOTAL $5,697 $3,988
  • 9
    LOCAL CD
    0.68%
    -
    $50,000
    60 Month
    Bank
    0.74x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.68%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 341 238
    2 50,341 343 240
    3 50,683 345 242
    4 51,028 348 243
    5 51,376 350 245
    6 51,726 352 247
    7 52,078 355 248
    8 52,433 357 250
    9 52,790 359 252
    10 53,149 362 253
    11 53,511 364 255
    12 53,876 367 257
    13 54,243 369 259
    14 54,612 372 260
    15 54,984 374 262
    16 55,358 377 264
    17 55,735 380 266
    18 56,115 382 267
    19 56,497 385 269
    20 56,882 387 271
    TOTAL $7,269 $5,088
  • 10
    LOCAL SAVINGS
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.23x (National Avg. - 0.22%)
    $10
     
    SCENARIO
    Year Rate
    0.05%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 11
    LOCAL CD
    0.20%
    -
    $50,000
    6 Month
    Credit Union
    0.49x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.20%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 12
    LOCAL CD
    0.10%
    -
    $50,000
    12 Month
    Bank
    0.18x (National Avg. - 0.55%)
    $10,000
     
    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
  • 13
    LOCAL MONEY MARKET
    0.70%
    -
    $50,000
    N.A.
    Credit Union
    1.28x (National Avg. - 0.55%)
    $100,000
     
    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

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