Compare Savings vs. CDs
Comparison of Deposit Account from VeraBank, National Association with 2.42% - January 2026


Long-Term Analysis of VeraBank, National Association with 2.42% APY and Fayette Savings Bank, SSB with 1.05% 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
    2.42%
    -
    $50,000
    12 Month
    Bank
    4.42x (National Avg. - 0.55%)
    $250,000
     
    SCENARIO
    Year Rate
    2.42%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,210 847
    2 51,210 1,239 867
    3 52,449 1,269 888
    4 53,719 1,300 910
    5 55,019 1,331 932
    6 56,350 1,364 955
    7 57,714 1,397 978
    8 59,110 1,430 1,001
    9 60,541 1,465 1,026
    10 62,006 1,501 1,050
    11 63,506 1,537 1,076
    12 65,043 1,574 1,102
    13 66,617 1,612 1,128
    14 68,229 1,651 1,156
    15 69,881 1,691 1,184
    16 71,572 1,732 1,212
    17 73,304 1,774 1,242
    18 75,078 1,817 1,272
    19 76,895 1,861 1,303
    20 78,755 1,906 1,334
    TOTAL $30,661 $21,463
  • 2
    LOCAL CD
    1.05%
    -
    $50,000
    12 Month
    Bank
    1.92x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    1.05%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 525 368
    2 50,525 531 371
    3 51,056 536 375
    4 51,592 542 379
    5 52,133 547 383
    6 52,681 553 387
    7 53,234 559 391
    8 53,793 565 395
    9 54,358 571 400
    10 54,928 577 404
    11 55,505 583 408
    12 56,088 589 412
    13 56,677 595 417
    14 57,272 601 421
    15 57,873 608 425
    16 58,481 614 430
    17 59,095 620 434
    18 59,716 627 439
    19 60,343 634 444
    20 60,976 640 448
    TOTAL $11,616 $8,131

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑0.15% on December 22, 2025.

    Last change: ↑0.10% on November 3, 2025.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↓0.10% on November 3, 2025.

    Last change: ↓0.05% on December 22, 2025.

    Last change: ↓0.20% on October 8, 2025.