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Comparison of Deposit Account from Capital One, National Association with 3.80% - April 2025

Long-Term Analysis of Capital One, National Association with 3.80% APY and First National Bank of Scotia with 1.57% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

Capital One, National Association

3.80%

$50,000

6 Month

Bank

9.34x (National Avg. - 0.41%)

SCENARIO

Year	Rate 3.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,900	1,330
2	51,900	1,972	1,381
3	53,872	2,047	1,433
4	55,919	2,125	1,487
5	58,044	2,206	1,544
6	60,250	2,289	1,603
7	62,539	2,376	1,664
8	64,916	2,467	1,727
9	67,383	2,561	1,792
10	69,943	2,658	1,860
11	72,601	2,759	1,931
12	75,360	2,864	2,005
13	78,224	2,972	2,081
14	81,196	3,085	2,160
15	84,282	3,203	2,242
16	87,484	3,324	2,327
17	90,809	3,451	2,416
18	94,259	3,582	2,507
19	97,841	3,718	2,603
20	101,559	3,859	2,701
	TOTAL	$55,419	$38,793

LOCAL CD

First National Bank of Scotia

1.57%

$50,000

12 Month

Bank

2.85x (National Avg. - 0.55%)

$500

SCENARIO

Year	Rate 1.57%	Annual Interest	Annual Interest (After Tax)
1	50,000	785	550
2	50,785	797	558
3	51,582	810	567
4	52,392	823	576
5	53,215	835	585
6	54,050	849	594
7	54,899	862	603
8	55,761	875	613
9	56,636	889	622
10	57,525	903	632
11	58,428	917	642
12	59,346	932	652
13	60,278	946	662
14	61,224	961	673
15	62,185	976	683
16	63,161	992	694
17	64,153	1,007	705
18	65,160	1,023	716
19	66,183	1,039	727
20	67,222	1,055	739
	TOTAL	$18,278	$12,794

All calculations are for demonstration purposes only.

Featured CD Rates

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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
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ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
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Last change: ↑0.20% on April 9.

Compare Savings vs. CDs Comparison of Deposit Account from Capital One, National Association with 3.80% - April 2025

Long-Term Analysis of Capital One, National Association with 3.80% APY and First National Bank of Scotia with 1.57% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Capital One, National Association with 3.80% - April 2025