Home
Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from TOGETHER with 0.90% - December 2025

Long-Term Analysis of TOGETHER with 0.90% APY and TOGETHER with 0.50% APY and ALL IN with 3.66% APY and ALL IN with 3.66% 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

TOGETHER

0.90%

$50,000

24 Month

Credit Union

1.37x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	450	315
2	50,450	454	318
3	50,904	458	321
4	51,362	462	324
5	51,824	466	326
6	52,291	471	329
7	52,761	475	332
8	53,236	479	335
9	53,715	483	338
10	54,199	488	341
11	54,687	492	345
12	55,179	497	348
13	55,675	501	351
14	56,177	506	354
15	56,682	510	357
16	57,192	515	360
17	57,707	519	364
18	58,226	524	367
19	58,750	529	370
20	59,279	534	373
	TOTAL	$9,813	$6,869

LOCAL CD

TOGETHER

0.50%

$50,000

6 Month

Credit Union

1.24x (National Avg. - 0.40%)

$100,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

ALL IN

3.66%

$50,000

9 Month

Credit Union

N.A.

$1,000

SCENARIO

Year	Rate 3.66%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,830	1,281
2	51,830	1,897	1,328
3	53,727	1,966	1,376
4	55,693	2,038	1,427
5	57,732	2,113	1,479
6	59,845	2,190	1,533
7	62,035	2,270	1,589
8	64,306	2,354	1,648
9	66,659	2,440	1,708
10	69,099	2,529	1,770
11	71,628	2,622	1,835
12	74,249	2,718	1,902
13	76,967	2,817	1,972
14	79,784	2,920	2,044
15	82,704	3,027	2,119
16	85,731	3,138	2,196
17	88,869	3,253	2,277
18	92,121	3,372	2,360
19	95,493	3,495	2,447
20	98,988	3,623	2,536
	TOTAL	$52,611	$36,828

LOCAL CD

ALL IN

3.66%

$50,000

6 Month

Credit Union

9.06x (National Avg. - 0.40%)

$100,000

SCENARIO

Year	Rate 3.66%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,830	1,281
2	51,830	1,897	1,328
3	53,727	1,966	1,376
4	55,693	2,038	1,427
5	57,732	2,113	1,479
6	59,845	2,190	1,533
7	62,035	2,270	1,589
8	64,306	2,354	1,648
9	66,659	2,440	1,708
10	69,099	2,529	1,770
11	71,628	2,622	1,835
12	74,249	2,718	1,902
13	76,967	2,817	1,972
14	79,784	2,920	2,044
15	82,704	3,027	2,119
16	85,731	3,138	2,196
17	88,869	3,253	2,277
18	92,121	3,372	2,360
19	95,493	3,495	2,447
20	98,988	3,623	2,536
	TOTAL	$52,611	$36,828

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.
Total Bank, a division of City National Bank of Florida	4.10%	$25,000	Learn More
Last change: ↓0.15% on November 26.
KS StateBank	4.10%	$500	Learn More
Last change: ↓0.10% on September 17.
Bread Savings, a division of Bread Financial	4.10%	$1,500	Learn More
Last change: ↓0.05% on December 8.

Compare Savings vs. CDs Comparison of Deposit Account from TOGETHER with 0.90% - December 2025

Long-Term Analysis of TOGETHER with 0.90% APY and TOGETHER with 0.50% APY and ALL IN with 3.66% APY and ALL IN with 3.66% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from TOGETHER with 0.90% - December 2025