Home
Compare Products

Compare Savings vs. CDs - July 2025

Long-Term Analysis of Colorado Federal Savings Bank with 4.40% APY and Citizens State Bank of New Castle, Indiana with 0.40% APY and SOUTHLAND with 0.50% 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

ONLINE CD

Colorado Federal Savings Bank

4.40%

$50,000

12 Month

Online Bank

7.97x (National Avg. - 0.55%)

$5,000

SCENARIO

Year	Rate 4.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,200	1,540
2	52,200	2,297	1,608
3	54,497	2,398	1,679
4	56,895	2,503	1,752
5	59,398	2,614	1,829
6	62,012	2,729	1,910
7	64,740	2,849	1,994
8	67,589	2,974	2,082
9	70,563	3,105	2,173
10	73,667	3,241	2,269
11	76,909	3,384	2,369
12	80,293	3,533	2,473
13	83,825	3,688	2,582
14	87,514	3,851	2,695
15	91,364	4,020	2,814
16	95,384	4,197	2,938
17	99,581	4,382	3,067
18	103,963	4,574	3,202
19	108,537	4,776	3,343
20	113,313	4,986	3,490
	TOTAL	$68,299	$47,809

LOCAL CD

Citizens State Bank of New Castle, Indiana

0.40%

$50,000

60 Month

Bank

0.43x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

SOUTHLAND

0.50%

$50,000

36 Month

Credit Union

0.67x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	251	176
2	50,251	252	177
3	50,503	254	177
4	50,757	255	178
5	51,012	256	179
6	51,268	257	180
7	51,525	259	181
8	51,784	260	182
9	52,044	261	183
10	52,305	263	184
11	52,567	264	185
12	52,831	265	186
13	53,097	267	187
14	53,363	268	188
15	53,631	269	188
16	53,900	271	189
17	54,171	272	190
18	54,443	273	191
19	54,716	275	192
20	54,991	276	193
	TOTAL	$5,267	$3,687

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
Rising Bank, a division of Midwest BankCentre	4.51%	$1,000	Learn More
Last change: ↑0.06% on June 24.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
First Internet Bank of Indiana	4.49%	$1,000	Learn More
Last change: ↑0.34% on May 27. Warning: Early Withdrawal Penalty is 180 days interest.