Compare Savings vs. CDs
Comparison of Deposit Account from WHITE SANDS with 1.21% - October 2025


Long-Term Analysis of Preferred Bank with 0.03% APY and WHITE SANDS with 1.21% 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 MONEY MARKET
    0.03%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $2,500
     
    SCENARIO
    Year Rate
    0.03%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 13 9
    2 50,013 13 9
    3 50,025 13 9
    4 50,038 13 9
    5 50,050 13 9
    6 50,063 13 9
    7 50,075 13 9
    8 50,088 13 9
    9 50,100 13 9
    10 50,113 13 9
    11 50,125 13 9
    12 50,138 13 9
    13 50,150 13 9
    14 50,163 13 9
    15 50,175 13 9
    16 50,188 13 9
    17 50,200 13 9
    18 50,213 13 9
    19 50,225 13 9
    20 50,238 13 9
    TOTAL $251 $175
  • 2
    LOCAL CD
    1.21%
    -
    $50,000
    48 Month
    Credit Union
    1.48x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.21%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 605 424
    2 50,605 612 429
    3 51,217 620 434
    4 51,837 627 439
    5 52,464 635 444
    6 53,099 642 450
    7 53,742 650 455
    8 54,392 658 461
    9 55,050 666 466
    10 55,716 674 472
    11 56,390 682 478
    12 57,073 691 483
    13 57,763 699 489
    14 58,462 707 495
    15 59,170 716 501
    16 59,885 725 507
    17 60,610 733 513
    18 61,343 742 520
    19 62,086 751 526
    20 62,837 760 532
    TOTAL $13,597 $9,518

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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