Compare Savings vs. CDs
Comparison of Deposit Account from CONNEXUS with 2.25% - April 2025


Long-Term Analysis of FINANCIAL BUILDERS with 2.48% APY and FINANCIAL BUILDERS with 2.31% APY and FINANCIAL BUILDERS with 0.10% APY and CONNEXUS with 3.42% APY and CONNEXUS with 3.35% APY and CONNEXUS with 0.25% APY and CONNEXUS with 2.25% APY and FINANCIAL BUILDERS with 0.97% 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 CD
    2.48%
    -
    $50,000
    24 Month
    Credit Union
    3.76x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    2.48%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,240 868
    2 51,240 1,271 890
    3 52,511 1,302 912
    4 53,813 1,335 934
    5 55,148 1,368 957
    6 56,515 1,402 981
    7 57,917 1,436 1,005
    8 59,353 1,472 1,030
    9 60,825 1,508 1,056
    10 62,334 1,546 1,082
    11 63,879 1,584 1,109
    12 65,464 1,623 1,136
    13 67,087 1,664 1,165
    14 68,751 1,705 1,194
    15 70,456 1,747 1,223
    16 72,203 1,791 1,253
    17 73,994 1,835 1,285
    18 75,829 1,881 1,316
    19 77,709 1,927 1,349
    20 79,637 1,975 1,382
    TOTAL $31,612 $22,128
  • 2
    LOCAL CD
    2.31%
    -
    $50,000
    60 Month
    Credit Union
    2.52x (National Avg. - 0.92%)
    $500
     
    SCENARIO
    Year Rate
    2.31%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,155 809
    2 51,155 1,182 827
    3 52,337 1,209 846
    4 53,546 1,237 866
    5 54,783 1,265 886
    6 56,048 1,295 906
    7 57,343 1,325 927
    8 58,667 1,355 949
    9 60,023 1,387 971
    10 61,409 1,419 993
    11 62,828 1,451 1,016
    12 64,279 1,485 1,039
    13 65,764 1,519 1,063
    14 67,283 1,554 1,088
    15 68,837 1,590 1,113
    16 70,427 1,627 1,139
    17 72,054 1,664 1,165
    18 73,719 1,703 1,192
    19 75,422 1,742 1,220
    20 77,164 1,782 1,248
    TOTAL $28,946 $20,262
  • 3
    LOCAL SAVINGS
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.44x (National Avg. - 0.23%)
    $0
     
    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
  • 4
    LOCAL CD
    3.42%
    -
    $50,000
    12 Month
    Credit Union
    6.20x (National Avg. - 0.55%)
    $5,000
     
    SCENARIO
    Year Rate
    3.42%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,710 1,197
    2 51,710 1,768 1,238
    3 53,478 1,829 1,280
    4 55,307 1,892 1,324
    5 57,199 1,956 1,369
    6 59,155 2,023 1,416
    7 61,178 2,092 1,465
    8 63,271 2,164 1,515
    9 65,434 2,238 1,567
    10 67,672 2,314 1,620
    11 69,987 2,394 1,675
    12 72,380 2,475 1,733
    13 74,856 2,560 1,792
    14 77,416 2,648 1,853
    15 80,063 2,738 1,917
    16 82,801 2,832 1,982
    17 85,633 2,929 2,050
    18 88,562 3,029 2,120
    19 91,591 3,132 2,193
    20 94,723 3,240 2,268
    TOTAL $47,963 $33,574
  • 5
    LOCAL CD
    3.35%
    -
    $50,000
    36 Month
    Credit Union
    4.44x (National Avg. - 0.75%)
    $5,000
     
    SCENARIO
    Year Rate
    3.35%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,675 1,173
    2 51,675 1,731 1,212
    3 53,406 1,789 1,252
    4 55,195 1,849 1,294
    5 57,044 1,911 1,338
    6 58,955 1,975 1,383
    7 60,930 2,041 1,429
    8 62,971 2,110 1,477
    9 65,081 2,180 1,526
    10 67,261 2,253 1,577
    11 69,514 2,329 1,630
    12 71,843 2,407 1,685
    13 74,250 2,487 1,741
    14 76,737 2,571 1,799
    15 79,308 2,657 1,860
    16 81,965 2,746 1,922
    17 84,711 2,838 1,986
    18 87,548 2,933 2,053
    19 90,481 3,031 2,122
    20 93,512 3,133 2,193
    TOTAL $46,645 $32,652
  • 6
    LOCAL MONEY MARKET
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    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
  • 7
    LOCAL MONEY MARKET
    2.25%
    -
    $50,000
    N.A.
    Credit Union
    2.98x (National Avg. - 0.75%)
    $20,000
     
    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
  • 8
    LOCAL MONEY MARKET
    0.97%
    -
    $50,000
    N.A.
    Credit Union
    1.29x (National Avg. - 0.75%)
    $6,500
     
    SCENARIO
    Year Rate
    0.97%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 485 340
    2 50,485 490 343
    3 50,975 494 346
    4 51,469 499 349
    5 51,968 504 353
    6 52,473 509 356
    7 52,981 514 360
    8 53,495 519 363
    9 54,014 524 367
    10 54,538 529 370
    11 55,067 534 374
    12 55,601 539 378
    13 56,141 545 381
    14 56,685 550 385
    15 57,235 555 389
    16 57,790 561 392
    17 58,351 566 396
    18 58,917 571 400
    19 59,488 577 404
    20 60,065 583 408
    TOTAL $10,648 $7,454

    All calculations are for demonstration purposes only.

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