Compare Savings vs. CDs
Comparison of Deposit Account from Templeton Savings Bank with 0.80%
- October 2026
Long-Term Analysis of First Security Bank of Mapleton, Iowa with 0.05% APY and New Albin Savings Bank with 0.60% APY and Templeton Savings Bank with 0.75% APY and Templeton Savings Bank with 0.80% APY and Pinnacle Bank Iowa with 0.41% 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 SAVINGS0.05%-$50,000N.A.Bank0.21x (National Avg. - 0.23%)$20SCENARIO
Year Rate
0.05%Annual
InterestAnnual 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 - 2LOCAL CD0.60%-$50,00012 MonthBank1.08x (National Avg. - 0.55%)$100,000SCENARIO
Year Rate
0.60%Annual
InterestAnnual Interest
(After Tax)1 50,000 300 210 2 50,300 302 211 3 50,602 304 213 4 50,905 305 214 5 51,211 307 215 6 51,518 309 216 7 51,827 311 218 8 52,138 313 219 9 52,451 315 220 10 52,766 317 222 11 53,082 318 223 12 53,401 320 224 13 53,721 322 226 14 54,044 324 227 15 54,368 326 228 16 54,694 328 230 17 55,022 330 231 18 55,352 332 232 19 55,684 334 234 20 56,019 336 235 TOTAL $6,355 $4,448 - 3LOCAL CD0.75%-$50,00012 MonthBank1.36x (National Avg. - 0.55%)$10,000SCENARIO
Year Rate
0.75%Annual
InterestAnnual 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 - 4LOCAL CD0.80%-$50,00012 MonthBank1.45x (National Avg. - 0.55%)$100,000SCENARIO
Year Rate
0.80%Annual
InterestAnnual Interest
(After Tax)1 50,000 400 280 2 50,400 403 282 3 50,803 406 284 4 51,210 410 287 5 51,619 413 289 6 52,032 416 291 7 52,449 420 294 8 52,868 423 296 9 53,291 426 298 10 53,717 430 301 11 54,147 433 303 12 54,580 437 306 13 55,017 440 308 14 55,457 444 311 15 55,901 447 313 16 56,348 451 316 17 56,799 454 318 18 57,253 458 321 19 57,711 462 323 20 58,173 465 326 TOTAL $8,638 $6,047 - 5LOCAL CD0.41%-$50,00012 MonthBank0.74x (National Avg. - 0.55%)$10,000SCENARIO
Year Rate
0.41%Annual
InterestAnnual Interest
(After Tax)1 50,000 205 144 2 50,205 206 144 3 50,411 207 145 4 50,618 208 145 5 50,825 208 146 6 51,033 209 146 7 51,243 210 147 8 51,453 211 148 9 51,664 212 148 10 51,876 213 149 11 52,088 214 149 12 52,302 214 150 13 52,516 215 151 14 52,732 216 151 15 52,948 217 152 16 53,165 218 153 17 53,383 219 153 18 53,602 220 154 19 53,821 221 154 20 54,042 222 155 TOTAL $4,264 $2,985
All calculations are for demonstration purposes only.
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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4.70% | $100,000 |
Learn More on the North American Savings Bank, F.S.B. website |
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Decide once. Earn for a year. A full year of predictable earnings with our 12-Month Jumbo CD. 12-Month |
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5.00% |
$10,000 |
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Last change: ↑0.05% on October 8. |
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4.95% |
$10,000 |
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Last change: ↑0.10% on October 8. |
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4.85% |
$500 |
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Last change: ↑0.81% on April 27. |
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4.85% |
$500 |
Learn More | |
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Last change: ↑0.80% on April 27. |
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