Compare Savings vs. CDs
Comparison of Deposit Account from The Portage County Bank with 0.35% - October 2026


Long-Term Analysis of The Portage County Bank with 0.35% APY and The Portage County Bank with 0.90% 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
    0.35%
    -
    $50,000
    12 Month
    Bank
    0.63x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.35%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 2
    LOCAL CD
    0.90%
    -
    $50,000
    36 Month
    Bank
    1.19x (National Avg. - 0.76%)
    $10,000
     
    SCENARIO
    Year Rate
    0.90%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 451 316
    2 50,451 455 319
    3 50,906 459 321
    4 51,365 463 324
    5 51,829 467 327
    6 52,296 472 330
    7 52,768 476 333
    8 53,244 480 336
    9 53,724 485 339
    10 54,209 489 342
    11 54,698 493 345
    12 55,191 498 348
    13 55,689 502 352
    14 56,191 507 355
    15 56,698 511 358
    16 57,209 516 361
    17 57,725 521 364
    18 58,246 525 368
    19 58,771 530 371
    20 59,302 535 374
    TOTAL $9,836 $6,885

    All calculations are for demonstration purposes only.

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    ONLINE BANKS APY? MIN?

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    12-Month

    Last change: ↑0.05% on October 8.
    Early Withdrawal Penalty is 730 days interest.

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    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.05% on October 8.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.40% on October 11.
    Early Withdrawal Penalty is 180 days interest.