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Compare Savings vs. CDs - July 2025

Long-Term Analysis of FARMERS INSURANCE GROUP with 0.30% APY and FINANCIAL BUILDERS with 1.28% 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

LOCAL MONEY MARKET

FARMERS INSURANCE GROUP

0.30%

$50,000

N.A.

Credit Union

N.A.

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL MONEY MARKET

FINANCIAL BUILDERS

1.28%

$50,000

N.A.

Credit Union

N.A.

$25,000

SCENARIO

Year	Rate 1.28%	Annual Interest	Annual Interest (After Tax)
1	50,000	640	448
2	50,640	648	454
3	51,288	656	460
4	51,945	665	465
5	52,610	673	471
6	53,283	682	477
7	53,965	691	484
8	54,656	700	490
9	55,355	709	496
10	56,064	718	502
11	56,782	727	509
12	57,508	736	515
13	58,244	746	522
14	58,990	755	529
15	59,745	765	535
16	60,510	775	542
17	61,284	784	549
18	62,069	794	556
19	62,863	805	563
20	63,668	815	570
	TOTAL	$14,483	$10,138

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.