Home
Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from Amalgamated Bank of Chicago with 0.25% - April 2025

Long-Term Analysis of Old Second National Bank with 3.75% APY and The State Exchange Bank with 0.35% APY and Amalgamated Bank of Chicago with 0.25% APY and Amalgamated Bank of Chicago with 0.29% APY and FOOTHILLS with 0.95% APY and PANHANDLE EDUCATORS with 0.30% APY and UNIVERSITY with 0.50% APY and AFENA with 1.61% APY and Middlesex Savings Bank with 4.00% APY and IncredibleBank with 3.03% APY and IncredibleBank with 2.79% APY and AFFINITY PLUS with 2.25% APY and Aquesta Bank with 0.17% APY and Aquesta Bank with 0.70% APY and COMMUNITY RESOURCE with 0.80% APY and RELIANT COMMUNITY with 1.10% APY and CrossFirst Bank with 0.75% APY and OLD WEST with 0.85% APY and CedarStone Bank with 0.90% APY and BAPTIST with 1.35% APY and GEICO with 0.65% APY and Sundance State Bank with 0.60% APY and Sundance State Bank with 1.00% APY and CREDIT UNION OF COLORADO, A with 4.65% APY and The Cape Cod Five Cents Savings Bank with 0.08% 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 CD

Old Second National Bank

3.75%

$50,000

36 Month

Bank

4.98x (National Avg. - 0.75%)

$1,000

SCENARIO

Year	Rate 3.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,875	1,313
2	51,875	1,945	1,362
3	53,820	2,018	1,413
4	55,839	2,094	1,466
5	57,933	2,172	1,521
6	60,105	2,254	1,578
7	62,359	2,338	1,637
8	64,697	2,426	1,698
9	67,124	2,517	1,762
10	69,641	2,612	1,828
11	72,252	2,709	1,897
12	74,962	2,811	1,968
13	77,773	2,916	2,042
14	80,689	3,026	2,118
15	83,715	3,139	2,198
16	86,854	3,257	2,280
17	90,111	3,379	2,365
18	93,491	3,506	2,454
19	96,996	3,637	2,546
20	100,634	3,774	2,642
	TOTAL	$54,408	$38,085

LOCAL CD

The State Exchange Bank

0.35%

$50,000

6 Month

Bank

0.86x (National Avg. - 0.41%)

$1,000

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

LOCAL CD

Amalgamated Bank of Chicago

0.25%

$50,000

36 Month

Bank

0.33x (National Avg. - 0.75%)

$1,000

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

LOCAL CD

Amalgamated Bank of Chicago

0.29%

$50,000

60 Month

Bank

0.32x (National Avg. - 0.92%)

$1,000

SCENARIO

Year	Rate 0.29%	Annual Interest	Annual Interest (After Tax)
1	50,000	145	102
2	50,145	145	102
3	50,290	146	102
4	50,436	146	102
5	50,583	147	103
6	50,729	147	103
7	50,876	148	103
8	51,024	148	104
9	51,172	148	104
10	51,320	149	104
11	51,469	149	104
12	51,618	150	105
13	51,768	150	105
14	51,918	151	105
15	52,069	151	106
16	52,220	151	106
17	52,371	152	106
18	52,523	152	107
19	52,675	153	107
20	52,828	153	107
	TOTAL	$2,981	$2,087

LOCAL CD

FOOTHILLS

0.95%

$50,000

36 Month

Credit Union

1.26x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 0.95%	Annual Interest	Annual Interest (After Tax)
1	50,000	475	333
2	50,475	480	336
3	50,955	484	339
4	51,439	489	342
5	51,927	493	345
6	52,421	498	349
7	52,919	503	352
8	53,421	508	355
9	53,929	512	359
10	54,441	517	362
11	54,958	522	365
12	55,480	527	369
13	56,007	532	372
14	56,540	537	376
15	57,077	542	380
16	57,619	547	383
17	58,166	553	387
18	58,719	558	390
19	59,277	563	394
20	59,840	568	398
	TOTAL	$10,408	$7,286

LOCAL CD

PANHANDLE EDUCATORS

0.30%

$50,000

6 Month

Credit Union

0.74x (National Avg. - 0.41%)

$10,000

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 CD

UNIVERSITY

0.50%

$50,000

60 Month

Credit Union

0.54x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

AFENA

1.61%

$50,000

6 Month

Credit Union

3.97x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 1.61%	Annual Interest	Annual Interest (After Tax)
1	50,000	805	564
2	50,805	818	573
3	51,623	831	582
4	52,454	845	591
5	53,299	858	601
6	54,157	872	610
7	55,029	886	620
8	55,915	900	630
9	56,815	915	640
10	57,730	929	651
11	58,659	944	661
12	59,603	960	672
13	60,563	975	683
14	61,538	991	694
15	62,529	1,007	705
16	63,536	1,023	716
17	64,558	1,039	728
18	65,598	1,056	739
19	66,654	1,073	751
20	67,727	1,090	763
	TOTAL	$18,818	$13,172

LOCAL CD

Middlesex Savings Bank

4.00%

$50,000

36 Month

Bank

5.31x (National Avg. - 0.75%)

$10

SCENARIO

Year	Rate 4.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,000	1,400
2	52,000	2,080	1,456
3	54,080	2,163	1,514
4	56,243	2,250	1,575
5	58,493	2,340	1,638
6	60,833	2,433	1,703
7	63,266	2,531	1,771
8	65,797	2,632	1,842
9	68,428	2,737	1,916
10	71,166	2,847	1,993
11	74,012	2,960	2,072
12	76,973	3,079	2,155
13	80,052	3,202	2,241
14	83,254	3,330	2,331
15	86,584	3,463	2,424
16	90,047	3,602	2,521
17	93,649	3,746	2,622
18	97,395	3,896	2,727
19	101,291	4,052	2,836
20	105,342	4,214	2,950
	TOTAL	$59,556	$41,689

LOCAL CD

IncredibleBank

3.03%

$50,000

30 Month

Bank

N.A.

$1,000

SCENARIO

Year	Rate 3.03%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,515	1,061
2	51,515	1,561	1,093
3	53,076	1,608	1,126
4	54,684	1,657	1,160
5	56,341	1,707	1,195
6	58,048	1,759	1,231
7	59,807	1,812	1,269
8	61,619	1,867	1,307
9	63,486	1,924	1,347
10	65,410	1,982	1,387
11	67,392	2,042	1,429
12	69,434	2,104	1,473
13	71,538	2,168	1,517
14	73,705	2,233	1,563
15	75,938	2,301	1,611
16	78,239	2,371	1,659
17	80,610	2,442	1,710
18	83,053	2,516	1,762
19	85,569	2,593	1,815
20	88,162	2,671	1,870
	TOTAL	$40,833	$28,583

LOCAL MONEY MARKET

IncredibleBank

2.79%

$50,000

N.A.

Bank

N.A.

$500,000

SCENARIO

Year	Rate 2.79%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,395	977
2	51,395	1,434	1,004
3	52,829	1,474	1,032
4	54,303	1,515	1,061
5	55,818	1,557	1,090
6	57,375	1,601	1,121
7	58,976	1,645	1,152
8	60,621	1,691	1,184
9	62,313	1,739	1,217
10	64,051	1,787	1,251
11	65,838	1,837	1,286
12	67,675	1,888	1,322
13	69,563	1,941	1,359
14	71,504	1,995	1,396
15	73,499	2,051	1,435
16	75,550	2,108	1,475
17	77,658	2,167	1,517
18	79,824	2,227	1,559
19	82,051	2,289	1,602
20	84,341	2,353	1,647
	TOTAL	$36,694	$25,686

LOCAL MONEY MARKET

AFFINITY PLUS

2.25%

$50,000

N.A.

Credit Union

N.A.

$2,000

SCENARIO

Year	Rate 2.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,125	788
2	51,125	1,150	805
3	52,275	1,176	823
4	53,452	1,203	842
5	54,654	1,230	861
6	55,884	1,257	880
7	57,141	1,286	900
8	58,427	1,315	920
9	59,742	1,344	941
10	61,086	1,374	962
11	62,460	1,405	984
12	63,866	1,437	1,006
13	65,302	1,469	1,029
14	66,772	1,502	1,052
15	68,274	1,536	1,075
16	69,810	1,571	1,100
17	71,381	1,606	1,124
18	72,987	1,642	1,150
19	74,629	1,679	1,175
20	76,309	1,717	1,202
	TOTAL	$28,025	$19,618

LOCAL CD

Aquesta Bank

0.17%

$50,000

6 Month

Bank

0.42x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.17%	Annual Interest	Annual Interest (After Tax)
1	50,000	85	60
2	50,085	85	60
3	50,170	85	60
4	50,255	85	60
5	50,341	86	60
6	50,426	86	60
7	50,512	86	60
8	50,598	86	60
9	50,684	86	60
10	50,770	86	60
11	50,857	86	61
12	50,943	87	61
13	51,030	87	61
14	51,116	87	61
15	51,203	87	61
16	51,290	87	61
17	51,377	87	61
18	51,465	87	61
19	51,552	88	61
20	51,640	88	61
	TOTAL	$1,728	$1,209

LOCAL CD

Aquesta Bank

0.70%

$50,000

60 Month

Bank

0.76x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

COMMUNITY RESOURCE

0.80%

$50,000

48 Month

Credit Union

0.98x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 0.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	400	280
2	50,400	403	282
3	50,803	406	284
4	51,210	410	287
5	51,619	413	289
6	52,032	416	291
7	52,449	420	294
8	52,868	423	296
9	53,291	426	298
10	53,717	430	301
11	54,147	433	303
12	54,580	437	306
13	55,017	440	308
14	55,457	444	311
15	55,901	447	313
16	56,348	451	316
17	56,799	454	318
18	57,253	458	321
19	57,711	462	323
20	58,173	465	326
	TOTAL	$8,638	$6,047

LOCAL CD

RELIANT COMMUNITY

1.10%

$50,000

60 Month

Credit Union

1.20x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 1.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	550	385
2	50,550	556	389
3	51,106	562	394
4	51,668	568	398
5	52,237	575	402
6	52,811	581	407
7	53,392	587	411
8	53,979	594	416
9	54,573	600	420
10	55,173	607	425
11	55,780	614	430
12	56,394	620	434
13	57,014	627	439
14	57,641	634	444
15	58,276	641	449
16	58,917	648	454
17	59,565	655	459
18	60,220	662	464
19	60,882	670	469
20	61,552	677	474
	TOTAL	$12,229	$8,560

LOCAL CD

CrossFirst Bank

0.75%

$50,000

12 Month

Bank

1.36x (National Avg. - 0.55%)

$100,000

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

LOCAL CD

OLD WEST

0.85%

$50,000

36 Month

Credit Union

1.13x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL CD

CedarStone Bank

0.90%

$50,000

48 Month

Bank

1.10x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	450	315
2	50,450	454	318
3	50,904	458	321
4	51,362	462	324
5	51,824	466	326
6	52,291	471	329
7	52,761	475	332
8	53,236	479	335
9	53,715	483	338
10	54,199	488	341
11	54,687	492	345
12	55,179	497	348
13	55,675	501	351
14	56,177	506	354
15	56,682	510	357
16	57,192	515	360
17	57,707	519	364
18	58,226	524	367
19	58,750	529	370
20	59,279	534	373
	TOTAL	$9,813	$6,869

LOCAL CD

BAPTIST

1.35%

$50,000

60 Month

Credit Union

1.47x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 1.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	675	473
2	50,675	684	479
3	51,359	693	485
4	52,052	703	492
5	52,755	712	499
6	53,467	722	505
7	54,189	732	512
8	54,921	741	519
9	55,662	751	526
10	56,414	762	533
11	57,175	772	540
12	57,947	782	548
13	58,729	793	555
14	59,522	804	562
15	60,326	814	570
16	61,140	825	578
17	61,966	837	586
18	62,802	848	593
19	63,650	859	601
20	64,509	871	610
	TOTAL	$15,380	$10,766

LOCAL CD

GEICO

0.65%

$50,000

12 Month

Credit Union

1.18x (National Avg. - 0.55%)

$100,000

SCENARIO

Year	Rate 0.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	325	228
2	50,325	327	229
3	50,652	329	230
4	50,981	331	232
5	51,313	334	233
6	51,646	336	235
7	51,982	338	237
8	52,320	340	238
9	52,660	342	240
10	53,002	345	241
11	53,347	347	243
12	53,693	349	244
13	54,042	351	246
14	54,394	354	247
15	54,747	356	249
16	55,103	358	251
17	55,461	360	252
18	55,822	363	254
19	56,185	365	256
20	56,550	368	257
	TOTAL	$6,917	$4,842

LOCAL CD

Sundance State Bank

0.60%

$50,000

24 Month

Bank

0.91x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL CD

Sundance State Bank

1.00%

$50,000

60 Month

Bank

1.09x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

CREDIT UNION OF COLORADO, A

4.65%

$50,000

6 Month

Credit Union

11.45x (National Avg. - 0.41%)

$500

SCENARIO

Year	Rate 4.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,325	1,628
2	52,325	2,433	1,703
3	54,758	2,546	1,782
4	57,304	2,665	1,865
5	59,969	2,789	1,952
6	62,758	2,918	2,043
7	65,676	3,054	2,138
8	68,730	3,196	2,237
9	71,926	3,345	2,341
10	75,270	3,500	2,450
11	78,770	3,663	2,564
12	82,433	3,833	2,683
13	86,266	4,011	2,808
14	90,278	4,198	2,939
15	94,476	4,393	3,075
16	98,869	4,597	3,218
17	103,466	4,811	3,368
18	108,277	5,035	3,524
19	113,312	5,269	3,688
20	118,581	5,514	3,860
	TOTAL	$74,095	$51,867

LOCAL CD

The Cape Cod Five Cents Savings Bank

0.08%

$50,000

8 Month

Bank

N.A.

$1,000

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

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
My e-Banc, a division of Bradesco BAC Florida Bank	4.55%	$50,000	Learn More
Last change: ↓0.10% on February 9. 6 Month Jumbo CD.
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Bread Savings, a division of Bread Financial	4.50%	$1,500	Learn More
Last change: ↓0.15% on January 25.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.

Compare Savings vs. CDs Comparison of Deposit Account from Amalgamated Bank of Chicago with 0.25% - April 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Amalgamated Bank of Chicago with 0.25% - April 2025