Compare Savings vs. CDs
Comparison of Deposit Account from BCBank, Inc. with 1.49% - April 2025


Long-Term Analysis of Mechanics & Farmers Bank with 0.07% APY and BCBank, Inc. with 1.49% 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
    0.07%
    -
    $50,000
    12 Month
    Bank
    0.13x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.07%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 35 25
    2 50,035 35 25
    3 50,070 35 25
    4 50,105 35 25
    5 50,140 35 25
    6 50,175 35 25
    7 50,210 35 25
    8 50,246 35 25
    9 50,281 35 25
    10 50,316 35 25
    11 50,351 35 25
    12 50,386 35 25
    13 50,422 35 25
    14 50,457 35 25
    15 50,492 35 25
    16 50,528 35 25
    17 50,563 35 25
    18 50,598 35 25
    19 50,634 35 25
    20 50,669 35 25
    TOTAL $705 $493
  • 2
    LOCAL CD
    1.49%
    -
    $50,000
    60 Month
    Bank
    1.62x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.49%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 745 522
    2 50,745 756 529
    3 51,501 767 537
    4 52,268 779 545
    5 53,047 790 553
    6 53,838 802 562
    7 54,640 814 570
    8 55,454 826 578
    9 56,280 839 587
    10 57,119 851 596
    11 57,970 864 605
    12 58,834 877 614
    13 59,710 890 623
    14 60,600 903 632
    15 61,503 916 641
    16 62,419 930 651
    17 63,349 944 661
    18 64,293 958 671
    19 65,251 972 681
    20 66,223 987 691
    TOTAL $17,210 $12,047

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑0.15% on March 22.

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    Last change: ↓0.15% on January 25.

    Last change: ↓0.50% on February 25.