Compare Savings vs. CDs
Comparison of Deposit Account from THE SOUTHERN with 1.00%
- October 2026
Long-Term Analysis of MINNEQUA WORKS with 3.40% APY and GULF STATES with 0.91% APY and THE SOUTHERN with 1.00% APY and Exchange Bank with 0.80% 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
- 1LOCAL CD3.40%-$50,0006 MonthCredit Union8.42x (National Avg. - 0.40%)$500SCENARIO
Year Rate
3.40%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,700 1,190 2 51,700 1,758 1,230 3 53,458 1,818 1,272 4 55,275 1,879 1,316 5 57,155 1,943 1,360 6 59,098 2,009 1,407 7 61,107 2,078 1,454 8 63,185 2,148 1,504 9 65,333 2,221 1,555 10 67,555 2,297 1,608 11 69,851 2,375 1,662 12 72,226 2,456 1,719 13 74,682 2,539 1,777 14 77,221 2,626 1,838 15 79,847 2,715 1,900 16 82,562 2,807 1,965 17 85,369 2,903 2,032 18 88,271 3,001 2,101 19 91,272 3,103 2,172 20 94,376 3,209 2,246 TOTAL $47,584 $33,309 - 2LOCAL CD0.91%-$50,00060 MonthCredit Union0.98x (National Avg. - 0.93%)$10,000SCENARIO
Year Rate
0.91%Annual
InterestAnnual Interest
(After Tax)1 50,000 455 319 2 50,455 459 321 3 50,914 463 324 4 51,377 468 327 5 51,845 472 330 6 52,317 476 333 7 52,793 480 336 8 53,273 485 339 9 53,758 489 342 10 54,247 494 346 11 54,741 498 349 12 55,239 503 352 13 55,742 507 355 14 56,249 512 358 15 56,761 517 362 16 57,277 521 365 17 57,799 526 368 18 58,325 531 372 19 58,855 536 375 20 59,391 540 378 TOTAL $9,931 $6,952 - 3LOCAL CD1.00%-$50,00024 MonthCredit Union1.51x (National Avg. - 0.66%)$100,000SCENARIO
Year Rate
1.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 500 350 2 50,500 505 354 3 51,005 510 357 4 51,515 515 361 5 52,030 520 364 6 52,551 526 368 7 53,076 531 372 8 53,607 536 375 9 54,143 541 379 10 54,684 547 383 11 55,231 552 387 12 55,783 558 390 13 56,341 563 394 14 56,905 569 398 15 57,474 575 402 16 58,048 580 406 17 58,629 586 410 18 59,215 592 415 19 59,807 598 419 20 60,405 604 423 TOTAL $11,010 $7,707 - 4LOCAL CD0.80%-$50,00018 MonthBank1.38x (National Avg. - 0.58%)$10,000SCENARIO
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
All calculations are for demonstration purposes only.
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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4.50% | $100,000 |
Learn More on the North American Savings Bank, F.S.B. website |
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4.95% |
$10,000 |
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Last change: ↑0.45% on October 1. |
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4.85% |
$10,000 |
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Last change: ↑0.35% on October 1. |
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4.80% |
$10,000 |
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Last change: ↑0.30% on October 1. |
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4.65% |
$1,000 |
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Last change: ↑0.35% on September 25. |
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