Compare Savings vs. CDs
Comparison of Deposit Account from U.P. CONNECTION with 0.27% - October 2026


Long-Term Analysis of COBALT with 0.05% APY and U.P. CONNECTION with 0.27% 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

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL SAVINGS
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.21x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.05%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 2
    LOCAL MONEY MARKET
    0.27%
    -
    $50,000
    N.A.
    Credit Union
    1.15x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.27%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 134 94
    2 50,134 134 94
    3 50,268 135 94
    4 50,403 135 95
    5 50,538 135 95
    6 50,674 136 95
    7 50,809 136 95
    8 50,946 137 96
    9 51,082 137 96
    10 51,219 137 96
    11 51,356 138 96
    12 51,494 138 97
    13 51,632 138 97
    14 51,770 139 97
    15 51,909 139 97
    16 52,048 139 98
    17 52,188 140 98
    18 52,328 140 98
    19 52,468 141 98
    20 52,608 141 99
    TOTAL $2,749 $1,925

    All calculations are for demonstration purposes only.

    Featured CD Rates

    Advertiser Disclosure
    ONLINE BANKS APY? MIN?

    Take your savings to the next level with our 12-month online CD special!

    12-Month

    Last change: ↑0.45% on October 1.
    Early Withdrawal Penalty is 730 days interest.

    Last change: ↑0.35% on October 1.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.30% on October 1.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.66% on April 27.