Compare Savings vs. CDs
Comparison of Deposit Account from TOWER with 3.85% - December 2025


Long-Term Analysis of JUSTICE with 0.79% APY and TOWER with 3.85% 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
    0.79%
    -
    $50,000
    24 Month
    Credit Union
    1.19x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.79%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 393 275
    2 50,393 396 277
    3 50,788 399 279
    4 51,187 402 281
    5 51,589 405 283
    6 51,994 408 286
    7 52,402 411 288
    8 52,813 415 290
    9 53,228 418 292
    10 53,645 421 295
    11 54,067 424 297
    12 54,491 428 299
    13 54,919 431 302
    14 55,350 434 304
    15 55,784 438 307
    16 56,222 441 309
    17 56,664 445 311
    18 57,108 448 314
    19 57,557 452 316
    20 58,009 455 319
    TOTAL $8,464 $5,925
  • 2
    LOCAL CD
    3.85%
    -
    $50,000
    36 Month
    Credit Union
    5.11x (National Avg. - 0.75%)
    $500
     
    SCENARIO
    Year Rate
    3.85%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,925 1,348
    2 51,925 1,999 1,399
    3 53,924 2,076 1,453
    4 56,000 2,156 1,509
    5 58,156 2,239 1,567
    6 60,395 2,325 1,628
    7 62,720 2,415 1,690
    8 65,135 2,508 1,755
    9 67,643 2,604 1,823
    10 70,247 2,705 1,893
    11 72,952 2,809 1,966
    12 75,760 2,917 2,042
    13 78,677 3,029 2,120
    14 81,706 3,146 2,202
    15 84,852 3,267 2,287
    16 88,119 3,393 2,375
    17 91,511 3,523 2,466
    18 95,034 3,659 2,561
    19 98,693 3,800 2,660
    20 102,493 3,946 2,762
    TOTAL $56,439 $39,507

    All calculations are for demonstration purposes only.

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