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Comparison of Deposit Account from TINKER with 1.25% - December 2025

Long-Term Analysis of Community First Bank with 0.11% APY and TINKER with 1.25% APY and SECURITY SERVICE with 0.40% APY and COMMUNITY FIRST with 4.25% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

Community First Bank

0.11%

$50,000

6 Month

Bank

0.27x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.11%	Annual Interest	Annual Interest (After Tax)
1	50,000	55	39
2	50,055	55	39
3	50,110	55	39
4	50,165	55	39
5	50,220	55	39
6	50,276	55	39
7	50,331	55	39
8	50,386	55	39
9	50,442	55	39
10	50,497	56	39
11	50,553	56	39
12	50,608	56	39
13	50,664	56	39
14	50,720	56	39
15	50,776	56	39
16	50,831	56	39
17	50,887	56	39
18	50,943	56	39
19	50,999	56	39
20	51,055	56	39
	TOTAL	$1,112	$778

LOCAL MONEY MARKET

TINKER

1.25%

$50,000

N.A.

Credit Union

3.09x (National Avg. - 0.41%)

$50,000

SCENARIO

Year	Rate 1.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	625	438
2	50,625	633	443
3	51,258	641	449
4	51,899	649	454
5	52,547	657	460
6	53,204	665	466
7	53,869	673	471
8	54,543	682	477
9	55,224	690	483
10	55,915	699	489
11	56,614	708	495
12	57,321	717	502
13	58,038	725	508
14	58,763	735	514
15	59,498	744	521
16	60,241	753	527
17	60,994	762	534
18	61,757	772	540
19	62,529	782	547
20	63,310	791	554
	TOTAL	$14,102	$9,871

LOCAL MONEY MARKET

SECURITY SERVICE

0.40%

$50,000

N.A.

Credit Union

0.99x (National Avg. - 0.41%)

$50,001

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

COMMUNITY FIRST

4.25%

$50,000

10 Month

Credit Union

N.A.

$5,000

SCENARIO

Year	Rate 4.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,125	1,488
2	52,125	2,215	1,551
3	54,340	2,309	1,617
4	56,650	2,408	1,685
5	59,057	2,510	1,757
6	61,567	2,617	1,832
7	64,184	2,728	1,909
8	66,912	2,844	1,991
9	69,756	2,965	2,075
10	72,720	3,091	2,163
11	75,811	3,222	2,255
12	79,033	3,359	2,351
13	82,392	3,502	2,451
14	85,893	3,650	2,555
15	89,544	3,806	2,664
16	93,349	3,967	2,777
17	97,317	4,136	2,895
18	101,453	4,312	3,018
19	105,764	4,495	3,146
20	110,259	4,686	3,280
	TOTAL	$64,945	$45,462

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.
Finworth, a division of InsBank	4.20%	$50,000	Learn More
Last change: ↑0.20% on December 7. Early Withdrawal Penalty is 6 months interest.
Limelight Bank, A division of Capital Community Bank	4.20%	$1,000	Learn More
Last change: ↑0.05% on December 1.
Limelight Bank, A division of Capital Community Bank	4.15%	$1,000	Learn More
Last change: ↑0.10% on December 1. Early Withdrawal Penalty is 90 days interest.
Total Bank, a division of City National Bank of Florida	4.10%	$25,000	Learn More
Last change: ↓0.15% on November 26.

Compare Savings vs. CDs Comparison of Deposit Account from TINKER with 1.25% - December 2025

Long-Term Analysis of Community First Bank with 0.11% APY and TINKER with 1.25% APY and SECURITY SERVICE with 0.40% APY and COMMUNITY FIRST with 4.25% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from TINKER with 1.25% - December 2025