Compare Savings vs. CDs
Comparison of Deposit Account from SUMA with 3.67% - August 2025


Long-Term Analysis of UNITED METHODIST with 0.75% APY and SUMA with 3.67% 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
    0.75%
    -
    $50,000
    12 Month
    Credit Union
    1.36x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.75%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 2
    LOCAL CD
    3.67%
    -
    $50,000
    36 Month
    Credit Union
    4.87x (National Avg. - 0.75%)
    $1,000
     
    SCENARIO
    Year Rate
    3.67%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,835 1,285
    2 51,835 1,902 1,332
    3 53,737 1,972 1,381
    4 55,710 2,045 1,431
    5 57,754 2,120 1,484
    6 59,874 2,197 1,538
    7 62,071 2,278 1,595
    8 64,349 2,362 1,653
    9 66,711 2,448 1,714
    10 69,159 2,538 1,777
    11 71,697 2,631 1,842
    12 74,328 2,728 1,909
    13 77,056 2,828 1,980
    14 79,884 2,932 2,052
    15 82,816 3,039 2,128
    16 85,855 3,151 2,206
    17 89,006 3,267 2,287
    18 92,273 3,386 2,370
    19 95,659 3,511 2,457
    20 99,170 3,640 2,548
    TOTAL $52,809 $36,966

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.20% on April 9.

    Last change: ↑0.26% on April 9.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↑0.10% on July 13.