• Home
  • Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from Alden State Bank with 0.35% - April 2025


Long-Term Analysis of The Park National Bank with 0.01% APY and Oconee Federal Savings and Loan Association with 0.15% APY and Main Street Bank with 0.35% APY and Bath Savings Institution with 0.13% APY and Academy Bank, National Association with 0.75% APY and Alden State Bank with 0.35% APY and WHITE ROSE with 0.35% APY and LONE STAR with 0.75% APY and Farmers State Bank with 0.08% APY and CAPITOL with 0.01% APY and HOUSTON METROPOLITAN with 0.15% APY and 1ST ADVANTAGE with 0.15% APY and Charter Bank with 0.40% APY and FAYETTE with 0.10% APY and WEST VIRGINIA 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL SAVINGS
    The Park National Bank
    0.01%
    -
    $50,000
    N.A.
    Bank
    0.04x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 5 4
    2 50,005 5 4
    3 50,010 5 4
    4 50,015 5 4
    5 50,020 5 4
    6 50,025 5 4
    7 50,030 5 4
    8 50,035 5 4
    9 50,040 5 4
    10 50,045 5 4
    11 50,050 5 4
    12 50,055 5 4
    13 50,060 5 4
    14 50,065 5 4
    15 50,070 5 4
    16 50,075 5 4
    17 50,080 5 4
    18 50,085 5 4
    19 50,090 5 4
    20 50,095 5 4
    TOTAL $100 $70
  • 2
    LOCAL MONEY MARKET
    Oconee Federal Savings and Loan Association
    0.15%
    -
    $50,000
    N.A.
    Bank
    0.67x (National Avg. - 0.23%)
    $25,000
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 3
    LOCAL CD
    Main Street Bank
    0.35%
    -
    $50,000
    6 Month
    Bank
    0.86x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 4
    LOCAL CD
    Bath Savings Institution
    0.13%
    -
    $50,000
    6 Month
    Bank
    0.32x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.13%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 65 46
    2 50,065 65 46
    3 50,130 65 46
    4 50,195 65 46
    5 50,261 65 46
    6 50,326 65 46
    7 50,391 66 46
    8 50,457 66 46
    9 50,522 66 46
    10 50,588 66 46
    11 50,654 66 46
    12 50,720 66 46
    13 50,786 66 46
    14 50,852 66 46
    15 50,918 66 46
    16 50,984 66 46
    17 51,050 66 46
    18 51,117 66 47
    19 51,183 67 47
    20 51,250 67 47
    TOTAL $1,316 $921
  • 5
    LOCAL CD
    Academy Bank, National Association
    0.75%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 6
    LOCAL CD
    Alden State Bank
    0.35%
    -
    $50,000
    18 Month
    Bank
    0.60x (National Avg. - 0.58%)
    $500
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 7
    LOCAL CD
    WHITE ROSE
    0.35%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 8
    LOCAL MONEY MARKET
    LONE STAR
    0.75%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $2,500
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 9
    LOCAL MONEY MARKET
    Farmers State Bank
    0.08%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.08%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 40 28
    2 50,040 40 28
    3 50,080 40 28
    4 50,120 40 28
    5 50,160 40 28
    6 50,200 40 28
    7 50,240 40 28
    8 50,281 40 28
    9 50,321 40 28
    10 50,361 40 28
    11 50,401 40 28
    12 50,442 40 28
    13 50,482 40 28
    14 50,523 40 28
    15 50,563 40 28
    16 50,603 40 28
    17 50,644 41 28
    18 50,684 41 28
    19 50,725 41 28
    20 50,765 41 28
    TOTAL $806 $564
  • 10
    LOCAL SAVINGS
    CAPITOL
    0.01%
    -
    $50,000
    N.A.
    Credit Union
    0.04x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 5 4
    2 50,005 5 4
    3 50,010 5 4
    4 50,015 5 4
    5 50,020 5 4
    6 50,025 5 4
    7 50,030 5 4
    8 50,035 5 4
    9 50,040 5 4
    10 50,045 5 4
    11 50,050 5 4
    12 50,055 5 4
    13 50,060 5 4
    14 50,065 5 4
    15 50,070 5 4
    16 50,075 5 4
    17 50,080 5 4
    18 50,085 5 4
    19 50,090 5 4
    20 50,095 5 4
    TOTAL $100 $70
  • 11
    LOCAL MONEY MARKET
    HOUSTON METROPOLITAN
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    0.67x (National Avg. - 0.23%)
    $10,000
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 12
    LOCAL MONEY MARKET
    1ST ADVANTAGE
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    0.67x (National Avg. - 0.23%)
    $10,000
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 13
    LOCAL CD
    Charter Bank
    0.40%
    -
    $50,000
    6 Month
    Bank
    0.99x (National Avg. - 0.41%)
    $10,000
     
    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
  • 14
    LOCAL SAVINGS
    FAYETTE
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.44x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 15
    LOCAL CD
    WEST VIRGINIA
    0.40%
    -
    $50,000
    24 Month
    Credit Union
    0.61x (National Avg. - 0.66%)
    $10,000
     
    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.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑0.15% on March 22.

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↓0.15% on January 25.

    Last change: ↓0.50% on February 25.

    Reddit

    Featured on:

    Copyright © 2025 BestCashCow.com, LLC. All Rights Reserved. Our Terms and Conditions. Privacy Policy + CCPA.

    Disclosure Governing Your Use of this Website | Advertising Disclosure

    Last Update on April 3, 2025

    This page was created in 0.0909 seconds.