Compare Savings vs. CDs
Comparison of Deposit Account from ADVANTAGE FINANCIAL with 0.40% - April 2025


Long-Term Analysis of PARDA with 0.65% APY and ADVANTAGE FINANCIAL with 0.40% 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
    0.65%
    -
    $50,000
    6 Month
    Credit Union
    1.60x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.65%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 326 228
    2 50,326 328 229
    3 50,653 330 231
    4 50,983 332 232
    5 51,315 334 234
    6 51,649 336 235
    7 51,985 338 237
    8 52,323 341 238
    9 52,664 343 240
    10 53,007 345 242
    11 53,352 347 243
    12 53,699 350 245
    13 54,049 352 246
    14 54,401 354 248
    15 54,755 356 250
    16 55,111 359 251
    17 55,470 361 253
    18 55,831 363 254
    19 56,195 366 256
    20 56,561 368 258
    TOTAL $6,929 $4,850
  • 2
    LOCAL CD
    0.40%
    -
    $50,000
    12 Month
    Credit Union
    0.72x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.40%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909

    All calculations are for demonstration purposes only.

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