Compare Savings vs. CDs
Comparison of Deposit Account from UNIVERSITY FIRST with 0.90%
- September 2026
Long-Term Analysis of ALABAMA ONE with 1.61% APY and MERIDIA COMMUNITY with 0.55% APY and BAYER HERITAGE with 0.75% APY and TWINSTAR with 0.50% APY and UNIVERSITY FIRST with 0.90% 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 CD1.61%-$50,00060 MonthCredit Union1.73x (National Avg. - 0.93%)$10,000SCENARIO
Year Rate
1.61%Annual
InterestAnnual Interest
(After Tax)1 50,000 805 564 2 50,805 818 573 3 51,623 831 582 4 52,454 845 591 5 53,299 858 601 6 54,157 872 610 7 55,029 886 620 8 55,915 900 630 9 56,815 915 640 10 57,730 929 651 11 58,659 944 661 12 59,603 960 672 13 60,563 975 683 14 61,538 991 694 15 62,529 1,007 705 16 63,536 1,023 716 17 64,558 1,039 728 18 65,598 1,056 739 19 66,654 1,073 751 20 67,727 1,090 763 TOTAL $18,818 $13,172 - 2LOCAL CD0.55%-$50,00012 MonthCredit Union1.00x (National Avg. - 0.55%)$100,000SCENARIO
Year Rate
0.55%Annual
InterestAnnual Interest
(After Tax)1 50,000 275 193 2 50,275 277 194 3 50,552 278 195 4 50,830 280 196 5 51,109 281 197 6 51,390 283 198 7 51,673 284 199 8 51,957 286 200 9 52,243 287 201 10 52,530 289 202 11 52,819 291 203 12 53,110 292 204 13 53,402 294 206 14 53,695 295 207 15 53,991 297 208 16 54,288 299 209 17 54,586 300 210 18 54,886 302 211 19 55,188 304 212 20 55,492 305 214 TOTAL $5,797 $4,058 - 3LOCAL CD0.75%-$50,0003 MonthCredit Union0.33x (National Avg. - 2.28%)$100SCENARIO
Year Rate
0.75%Annual
InterestAnnual Interest
(After Tax)1 50,000 377 264 2 50,377 379 266 3 50,756 382 268 4 51,138 385 270 5 51,523 388 272 6 51,911 391 274 7 52,302 394 276 8 52,696 397 278 9 53,093 400 280 10 53,492 403 282 11 53,895 406 284 12 54,301 409 286 13 54,710 412 288 14 55,122 415 291 15 55,537 418 293 16 55,955 421 295 17 56,376 425 297 18 56,801 428 299 19 57,229 431 302 20 57,660 434 304 TOTAL $8,094 $5,666 - 4LOCAL CD0.50%-$50,00036 MonthCredit Union0.66x (National Avg. - 0.76%)$10,000SCENARIO
Year Rate
0.50%Annual
InterestAnnual Interest
(After Tax)1 50,000 250 175 2 50,250 251 176 3 50,501 253 177 4 50,754 254 178 5 51,008 255 179 6 51,263 256 179 7 51,519 258 180 8 51,776 259 181 9 52,035 260 182 10 52,296 261 183 11 52,557 263 184 12 52,820 264 185 13 53,084 265 186 14 53,349 267 187 15 53,616 268 188 16 53,884 269 189 17 54,154 271 190 18 54,424 272 190 19 54,696 273 191 20 54,970 275 192 TOTAL $5,245 $3,671 - 5LOCAL CD0.90%-$50,00024 MonthCredit Union1.36x (National Avg. - 0.66%)$100,000SCENARIO
Year Rate
0.90%Annual
InterestAnnual Interest
(After Tax)1 50,000 450 315 2 50,450 454 318 3 50,904 458 321 4 51,362 462 324 5 51,824 466 326 6 52,291 471 329 7 52,761 475 332 8 53,236 479 335 9 53,715 483 338 10 54,199 488 341 11 54,687 492 345 12 55,179 497 348 13 55,675 501 351 14 56,177 506 354 15 56,682 510 357 16 57,192 515 360 17 57,707 519 364 18 58,226 524 367 19 58,750 529 370 20 59,279 534 373 TOTAL $9,813 $6,869
All calculations are for demonstration purposes only.
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.50% | $100,000 |
Learn More on the North American Savings Bank, F.S.B. website |
|
|
Take your savings to the next level with our 12-month online CD special! 12-Month |
||||
|
|
4.65% |
$1,000 |
Learn More | |
|
Last change: ↑0.35% on September 25. |
||||
|
|
4.55% |
$500 |
Learn More | |
|
Last change: ↑0.51% on April 27. |
||||
|
|
4.55% |
$500 |
Learn More | |
|
Last change: ↑0.50% on April 27. |
||||
|
|
4.55% |
$500 |
Learn More | |
|
Last change: ↑0.48% on April 27. |
||||
