Compare Savings vs. CDs
Comparison of Deposit Account from UMB Bank, National Association with 4.20%
- October 2026
Long-Term Analysis of Five Points Bank of Hastings with 0.10% APY and HEALTHCARE ASSOCIATES with 0.60% APY and FAMILY FIRST OF NY with 0.03% APY and UMB Bank, National Association with 4.20% 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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- 1LOCAL MONEY MARKET0.10%-$50,000N.A.BankN.A.$2,500SCENARIO
Year Rate
0.10%Annual
InterestAnnual Interest
(After Tax)1 50,000 50 35 2 50,050 50 35 3 50,100 50 35 4 50,150 50 35 5 50,200 50 35 6 50,251 50 35 7 50,301 50 35 8 50,351 50 35 9 50,401 50 35 10 50,452 50 35 11 50,502 51 35 12 50,553 51 35 13 50,603 51 35 14 50,654 51 35 15 50,705 51 35 16 50,755 51 36 17 50,806 51 36 18 50,857 51 36 19 50,908 51 36 20 50,959 51 36 TOTAL $1,010 $707 - 2LOCAL CD0.60%-$50,00012 MonthCredit Union1.09x (National Avg. - 0.55%)$100,000SCENARIO
Year Rate
0.60%Annual
InterestAnnual Interest
(After Tax)1 50,000 300 210 2 50,300 302 211 3 50,602 304 213 4 50,905 305 214 5 51,211 307 215 6 51,518 309 216 7 51,827 311 218 8 52,138 313 219 9 52,451 315 220 10 52,766 317 222 11 53,082 318 223 12 53,401 320 224 13 53,721 322 226 14 54,044 324 227 15 54,368 326 228 16 54,694 328 230 17 55,022 330 231 18 55,352 332 232 19 55,684 334 234 20 56,019 336 235 TOTAL $6,355 $4,448 - 3LOCAL SAVINGS0.03%-$50,000N.A.Credit Union0.13x (National Avg. - 0.23%)$2,500SCENARIO
Year Rate
0.03%Annual
InterestAnnual Interest
(After Tax)1 50,000 15 11 2 50,015 15 11 3 50,030 15 11 4 50,045 15 11 5 50,060 15 11 6 50,075 15 11 7 50,090 15 11 8 50,105 15 11 9 50,120 15 11 10 50,135 15 11 11 50,150 15 11 12 50,165 15 11 13 50,180 15 11 14 50,195 15 11 15 50,210 15 11 16 50,225 15 11 17 50,241 15 11 18 50,256 15 11 19 50,271 15 11 20 50,286 15 11 TOTAL $301 $211 - 4LOCAL CD4.20%-$50,0009 MonthBankN.A.$5,000SCENARIO
Year Rate
4.20%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,100 1,470 2 52,100 2,188 1,532 3 54,288 2,280 1,596 4 56,568 2,376 1,663 5 58,944 2,476 1,733 6 61,420 2,580 1,806 7 63,999 2,688 1,882 8 66,687 2,801 1,961 9 69,488 2,919 2,043 10 72,407 3,041 2,129 11 75,448 3,169 2,218 12 78,617 3,302 2,311 13 81,919 3,441 2,408 14 85,359 3,585 2,510 15 88,944 3,736 2,615 16 92,680 3,893 2,725 17 96,573 4,056 2,839 18 100,629 4,226 2,958 19 104,855 4,404 3,083 20 109,259 4,589 3,212 TOTAL $63,848 $44,693
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 |
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Last change: ↑0.45% on October 1. |
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4.85% |
$10,000 |
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Last change: ↑0.35% on October 1. |
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4.80% |
$10,000 |
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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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