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Comparison of Deposit Account from Today's Bank with 0.85% - December 2025


Long-Term Analysis of Today's Bank with 0.85% APY and KITSAP with 0.47% 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
    Today's Bank
    0.85%
    -
    $50,000
    60 Month
    Bank
    0.92x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 424 296
    2 50,424 427 299
    3 50,851 431 301
    4 51,281 434 304
    5 51,716 438 307
    6 52,154 442 309
    7 52,595 445 312
    8 53,041 449 314
    9 53,490 453 317
    10 53,943 457 320
    11 54,400 461 323
    12 54,861 465 325
    13 55,326 469 328
    14 55,794 473 331
    15 56,267 477 334
    16 56,743 481 336
    17 57,224 485 339
    18 57,709 489 342
    19 58,197 493 345
    20 58,690 497 348
    TOTAL $9,187 $6,431
  • 2
    LOCAL CD
    KITSAP
    0.47%
    -
    $50,000
    12 Month
    Credit Union
    0.86x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.47%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 235 165
    2 50,235 236 165
    3 50,471 237 166
    4 50,708 238 167
    5 50,947 239 168
    6 51,186 241 168
    7 51,427 242 169
    8 51,668 243 170
    9 51,911 244 171
    10 52,155 245 172
    11 52,400 246 172
    12 52,647 247 173
    13 52,894 249 174
    14 53,143 250 175
    15 53,392 251 176
    16 53,643 252 176
    17 53,895 253 177
    18 54,149 254 178
    19 54,403 256 179
    20 54,659 257 180
    TOTAL $4,916 $3,441

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↑0.05% on December 1.

    Last change: ↑0.10% on December 1.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↓0.15% on November 26.

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    Last Update on December 12, 2025

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