Compare Savings vs. CDs
Comparison of Deposit Account from Everett Co-operative Bank with 0.65% - April 2025


Long-Term Analysis of Everett Co-operative Bank with 0.50% APY and Everett Co-operative Bank with 0.65% APY and AFFINITY ONE with 0.88% APY and Commerce State Bank with 0.05% 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
    0.50%
    -
    $50,000
    12 Month
    Bank
    0.91x (National Avg. - 0.55%)
    $500
     
    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
  • 2
    LOCAL CD
    0.65%
    -
    $50,000
    18 Month
    Bank
    1.12x (National Avg. - 0.58%)
    $500
     
    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
  • 3
    LOCAL CD
    0.88%
    -
    $50,000
    48 Month
    Credit Union
    1.07x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.88%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 438 307
    2 50,438 442 309
    3 50,880 446 312
    4 51,326 450 315
    5 51,775 454 317
    6 52,229 458 320
    7 52,686 462 323
    8 53,148 466 326
    9 53,613 470 329
    10 54,083 474 332
    11 54,557 478 335
    12 55,035 482 337
    13 55,517 486 340
    14 56,003 491 343
    15 56,494 495 346
    16 56,989 499 349
    17 57,488 504 353
    18 57,991 508 356
    19 58,499 512 359
    20 59,012 517 362
    TOTAL $9,529 $6,670
  • 4
    LOCAL MONEY MARKET
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.06x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.05%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑0.15% on March 22.

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↓0.15% on January 25.

    Last change: ↓0.50% on February 25.