Compare Savings vs. CDs
Comparison of Deposit Account from Unity Bank with 0.69% - September 2026


Long-Term Analysis of KITSAP with 0.88% APY and KITSAP with 0.35% APY and Unity Bank with 0.69% 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
    0.88%
    -
    $50,000
    60 Month
    Credit Union
    0.95x (National Avg. - 0.93%)
    $100,000
     
    SCENARIO
    Year Rate
    0.88%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 440 308
    2 50,440 444 311
    3 50,884 448 313
    4 51,332 452 316
    5 51,783 456 319
    6 52,239 460 322
    7 52,699 464 325
    8 53,163 468 327
    9 53,630 472 330
    10 54,102 476 333
    11 54,578 480 336
    12 55,059 485 339
    13 55,543 489 342
    14 56,032 493 345
    15 56,525 497 348
    16 57,022 502 351
    17 57,524 506 354
    18 58,030 511 357
    19 58,541 515 361
    20 59,056 520 364
    TOTAL $9,576 $6,703
  • 2
    LOCAL MONEY MARKET
    0.35%
    -
    $50,000
    N.A.
    Credit Union
    0.38x (National Avg. - 0.93%)
    $25,000
     
    SCENARIO
    Year Rate
    0.35%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 3
    LOCAL CD
    0.69%
    -
    $50,000
    12 Month
    Bank
    1.25x (National Avg. - 0.55%)
    $500
     
    SCENARIO
    Year Rate
    0.69%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 345 242
    2 50,345 347 243
    3 50,692 350 245
    4 51,042 352 247
    5 51,394 355 248
    6 51,749 357 250
    7 52,106 360 252
    8 52,466 362 253
    9 52,828 365 255
    10 53,192 367 257
    11 53,559 370 259
    12 53,929 372 260
    13 54,301 375 262
    14 54,675 377 264
    15 55,053 380 266
    16 55,433 382 268
    17 55,815 385 270
    18 56,200 388 271
    19 56,588 390 273
    20 56,978 393 275
    TOTAL $7,372 $5,160

    All calculations are for demonstration purposes only.

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