Compare Savings vs. CDs
Comparison of Deposit Account from CREDIT UNION ONE OF OKLAHOMA with 6.17% - April 2025


Long-Term Analysis of NBH Bank with 0.15% APY and CREDIT UNION ONE OF OKLAHOMA with 6.17% APY and Ladysmith Federal Savings and Loan Association with 1.36% 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
    0.15%
    -
    $50,000
    6 Month
    Bank
    0.37x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.15%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 2
    LOCAL CD
    6.17%
    -
    $50,000
    6 Month
    Credit Union
    15.19x (National Avg. - 0.41%)
    $2,500
     
    SCENARIO
    Year Rate
    6.17%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 3,084 2,158
    2 53,084 3,274 2,292
    3 56,357 3,476 2,433
    4 59,833 3,690 2,583
    5 63,523 3,917 2,742
    6 67,440 4,159 2,911
    7 71,599 4,416 3,091
    8 76,015 4,688 3,281
    9 80,702 4,977 3,484
    10 85,679 5,284 3,699
    11 90,963 5,610 3,927
    12 96,573 5,956 4,169
    13 102,528 6,323 4,426
    14 108,851 6,713 4,699
    15 115,564 7,127 4,989
    16 122,691 7,566 5,296
    17 130,257 8,033 5,623
    18 138,290 8,528 5,970
    19 146,819 9,054 6,338
    20 155,873 9,613 6,729
    TOTAL $115,486 $80,840
  • 3
    LOCAL CD
    1.36%
    -
    $50,000
    36 Month
    Bank
    1.81x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    1.36%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 680 476
    2 50,680 689 482
    3 51,369 699 489
    4 52,068 708 496
    5 52,776 718 502
    6 53,494 728 509
    7 54,221 737 516
    8 54,959 747 523
    9 55,706 758 530
    10 56,464 768 538
    11 57,232 778 545
    12 58,010 789 552
    13 58,799 800 560
    14 59,599 811 567
    15 60,409 822 575
    16 61,231 833 583
    17 62,063 844 591
    18 62,907 856 599
    19 63,763 867 607
    20 64,630 879 615
    TOTAL $15,509 $10,856

    All calculations are for demonstration purposes only.

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