Compare Savings vs. CDs
Comparison of Deposit Account from ALL IN with 4.33% - April 2025


Long-Term Analysis of Union State Bank of Hazen with 0.25% APY and Sooner State Bank with 1.31% APY and ALL IN with 1.51% APY and ALL IN with 3.66% APY and ALL IN with 3.82% APY and ALL IN with 4.33% 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
    0.25%
    -
    $50,000
    6 Month
    Bank
    0.61x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.25%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 2
    LOCAL CD
    1.31%
    -
    $50,000
    36 Month
    Bank
    1.74x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.31%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 655 459
    2 50,655 664 465
    3 51,319 672 471
    4 51,991 681 477
    5 52,672 690 483
    6 53,362 699 489
    7 54,061 708 496
    8 54,769 717 502
    9 55,487 727 509
    10 56,214 736 515
    11 56,950 746 522
    12 57,696 756 529
    13 58,452 766 536
    14 59,218 776 543
    15 59,993 786 550
    16 60,779 796 557
    17 61,575 807 565
    18 62,382 817 572
    19 63,199 828 580
    20 64,027 839 587
    TOTAL $14,866 $10,406
  • 3
    LOCAL MONEY MARKET
    1.51%
    -
    $50,000
    N.A.
    Credit Union
    2.01x (National Avg. - 0.75%)
    $50,000
     
    SCENARIO
    Year Rate
    1.51%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 755 529
    2 50,755 766 536
    3 51,521 778 545
    4 52,299 790 553
    5 53,089 802 561
    6 53,891 814 570
    7 54,704 826 578
    8 55,531 839 587
    9 56,369 851 596
    10 57,220 864 605
    11 58,084 877 614
    12 58,961 890 623
    13 59,852 904 633
    14 60,755 917 642
    15 61,673 931 652
    16 62,604 945 662
    17 63,549 960 672
    18 64,509 974 682
    19 65,483 989 692
    20 66,472 1,004 703
    TOTAL $17,476 $12,233
  • 4
    LOCAL CD
    3.66%
    -
    $50,000
    9 Month
    Credit Union
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    3.66%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,830 1,281
    2 51,830 1,897 1,328
    3 53,727 1,966 1,376
    4 55,693 2,038 1,427
    5 57,732 2,113 1,479
    6 59,845 2,190 1,533
    7 62,035 2,270 1,589
    8 64,306 2,354 1,648
    9 66,659 2,440 1,708
    10 69,099 2,529 1,770
    11 71,628 2,622 1,835
    12 74,249 2,718 1,902
    13 76,967 2,817 1,972
    14 79,784 2,920 2,044
    15 82,704 3,027 2,119
    16 85,731 3,138 2,196
    17 88,869 3,253 2,277
    18 92,121 3,372 2,360
    19 95,493 3,495 2,447
    20 98,988 3,623 2,536
    TOTAL $52,611 $36,828
  • 5
    LOCAL CD
    3.82%
    -
    $50,000
    12 Month
    Credit Union
    6.93x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    3.82%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,910 1,337
    2 51,910 1,983 1,388
    3 53,893 2,059 1,441
    4 55,952 2,137 1,496
    5 58,089 2,219 1,553
    6 60,308 2,304 1,613
    7 62,612 2,392 1,674
    8 65,004 2,483 1,738
    9 67,487 2,578 1,805
    10 70,065 2,676 1,874
    11 72,741 2,779 1,945
    12 75,520 2,885 2,019
    13 78,405 2,995 2,097
    14 81,400 3,109 2,177
    15 84,509 3,228 2,260
    16 87,738 3,352 2,346
    17 91,089 3,480 2,436
    18 94,569 3,613 2,529
    19 98,181 3,751 2,625
    20 101,932 3,894 2,726
    TOTAL $55,826 $39,078
  • 6
    LOCAL CD
    4.33%
    -
    $50,000
    18 Month
    Credit Union
    7.47x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    4.33%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,165 1,516
    2 52,165 2,259 1,581
    3 54,424 2,357 1,650
    4 56,780 2,459 1,721
    5 59,239 2,565 1,796
    6 61,804 2,676 1,873
    7 64,480 2,792 1,954
    8 67,272 2,913 2,039
    9 70,185 3,039 2,127
    10 73,224 3,171 2,219
    11 76,394 3,308 2,316
    12 79,702 3,451 2,416
    13 83,153 3,601 2,520
    14 86,754 3,756 2,630
    15 90,510 3,919 2,743
    16 94,430 4,089 2,862
    17 98,518 4,266 2,986
    18 102,784 4,451 3,115
    19 107,235 4,643 3,250
    20 111,878 4,844 3,391
    TOTAL $66,722 $46,706

    All calculations are for demonstration purposes only.

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