Compare Savings vs. CDs
Comparison of Deposit Account from TREASURY DEPARTMENT with 1.00%
- October 2026
Long-Term Analysis of TREASURY DEPARTMENT with 1.00% APY and ARCHER COOPERATIVE with 0.80% APY and Umbrella Bank, a division of Beal Bank with 4.85% APY and Monesty, a division of American Commerce Bank of Georgia with 5.22% 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 CD1.00%-$50,00060 MonthCredit Union1.08x (National Avg. - 0.93%)$10,000SCENARIO
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 - 2LOCAL CD0.80%-$50,00030 MonthCredit UnionN.A.$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 - 3ONLINE CD4.85%-$50,00012 MonthOnline Bank8.79x (National Avg. - 0.55%)$1,000SCENARIO
Year Rate
4.85%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,425 1,698 2 52,425 2,543 1,780 3 54,968 2,666 1,866 4 57,634 2,795 1,957 5 60,429 2,931 2,052 6 63,360 3,073 2,151 7 66,433 3,222 2,255 8 69,654 3,378 2,365 9 73,033 3,542 2,479 10 76,575 3,714 2,600 11 80,289 3,894 2,726 12 84,183 4,083 2,858 13 88,266 4,281 2,997 14 92,546 4,489 3,142 15 97,035 4,706 3,294 16 101,741 4,934 3,454 17 106,676 5,174 3,622 18 111,849 5,425 3,797 19 117,274 5,688 3,981 20 122,962 5,964 4,175 TOTAL $78,925 $55,248 - 4ONLINE CD5.22%-$50,00012 MonthOnline Bank9.46x (National Avg. - 0.55%)$500SCENARIO
Year Rate
5.22%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,610 1,827 2 52,610 2,746 1,922 3 55,356 2,890 2,023 4 58,246 3,040 2,128 5 61,286 3,199 2,239 6 64,485 3,366 2,356 7 67,852 3,542 2,479 8 71,393 3,727 2,609 9 75,120 3,921 2,745 10 79,041 4,126 2,888 11 83,167 4,341 3,039 12 87,509 4,568 3,198 13 92,077 4,806 3,364 14 96,883 5,057 3,540 15 101,940 5,321 3,725 16 107,262 5,599 3,919 17 112,861 5,891 4,124 18 118,752 6,199 4,339 19 124,951 6,522 4,566 20 131,473 6,863 4,804 TOTAL $88,336 $61,835
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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Take your savings to the next level with our 12-month online CD special! 12-Month |
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4.95% |
$10,000 |
Learn More | |
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Last change: ↑0.45% on October 1. |
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4.85% |
$10,000 |
Learn More | |
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Last change: ↑0.35% on October 1. |
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4.80% |
$10,000 |
Learn More | |
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Last change: ↑0.30% on October 1. |
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4.65% |
$1,000 |
Learn More | |
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Last change: ↑0.35% on September 25. |
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