Compare Savings vs. CDs
Comparison of Deposit Account from The Peoples Savings and Loan Company with 0.66% - December 2025


Long-Term Analysis of The Peoples Savings and Loan Company with 0.66% APY and Umbrella Bank, a division of Beal Bank with 4.85% APY and Monesty, a division of American Commerce Bank of Georgia with 5.22% 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
    0.66%
    -
    $50,000
    6 Month
    Bank
    1.63x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.66%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 330 231
    2 50,330 332 233
    3 50,662 334 234
    4 50,997 337 236
    5 51,333 339 237
    6 51,672 341 239
    7 52,013 343 240
    8 52,356 346 242
    9 52,702 348 243
    10 53,050 350 245
    11 53,400 352 247
    12 53,752 355 248
    13 54,107 357 250
    14 54,464 359 252
    15 54,824 362 253
    16 55,185 364 255
    17 55,550 367 257
    18 55,916 369 258
    19 56,285 371 260
    20 56,657 374 262
    TOTAL $7,031 $4,921
  • 2
    ONLINE CD
    4.85%
    -
    $50,000
    12 Month
    Online Bank
    8.85x (National Avg. - 0.55%)
    $1,000
     
    SCENARIO
    Year Rate
    4.85%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,425 1,698
    2 52,425 2,543 1,780
    3 54,968 2,666 1,866
    4 57,634 2,795 1,957
    5 60,429 2,931 2,052
    6 63,360 3,073 2,151
    7 66,433 3,222 2,255
    8 69,654 3,378 2,365
    9 73,033 3,542 2,479
    10 76,575 3,714 2,600
    11 80,289 3,894 2,726
    12 84,183 4,083 2,858
    13 88,266 4,281 2,997
    14 92,546 4,489 3,142
    15 97,035 4,706 3,294
    16 101,741 4,934 3,454
    17 106,676 5,174 3,622
    18 111,849 5,425 3,797
    19 117,274 5,688 3,981
    20 122,962 5,964 4,175
    TOTAL $78,925 $55,248
  • 3
    ONLINE CD
    5.22%
    -
    $50,000
    12 Month
    Online Bank
    9.53x (National Avg. - 0.55%)
    $500
     
    SCENARIO
    Year Rate
    5.22%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,610 1,827
    2 52,610 2,746 1,922
    3 55,356 2,890 2,023
    4 58,246 3,040 2,128
    5 61,286 3,199 2,239
    6 64,485 3,366 2,356
    7 67,852 3,542 2,479
    8 71,393 3,727 2,609
    9 75,120 3,921 2,745
    10 79,041 4,126 2,888
    11 83,167 4,341 3,039
    12 87,509 4,568 3,198
    13 92,077 4,806 3,364
    14 96,883 5,057 3,540
    15 101,940 5,321 3,725
    16 107,262 5,599 3,919
    17 112,861 5,891 4,124
    18 118,752 6,199 4,339
    19 124,951 6,522 4,566
    20 131,473 6,863 4,804
    TOTAL $88,336 $61,835

    All calculations are for demonstration purposes only.

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