Compare Savings vs. CDs
Comparison of Deposit Account from FLORIDA with 4.90% - April 2025


Long-Term Analysis of CREDIT HUMAN with 4.31% APY and FLORIDA with 4.90% 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
    4.31%
    -
    $50,000
    36 Month
    Credit Union
    5.72x (National Avg. - 0.75%)
    $500
     
    SCENARIO
    Year Rate
    4.31%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,155 1,509
    2 52,155 2,248 1,574
    3 54,403 2,345 1,641
    4 56,748 2,446 1,712
    5 59,193 2,551 1,786
    6 61,745 2,661 1,863
    7 64,406 2,776 1,943
    8 67,182 2,896 2,027
    9 70,077 3,020 2,114
    10 73,098 3,151 2,205
    11 76,248 3,286 2,300
    12 79,534 3,428 2,400
    13 82,962 3,576 2,503
    14 86,538 3,730 2,611
    15 90,268 3,891 2,723
    16 94,158 4,058 2,841
    17 98,217 4,233 2,963
    18 102,450 4,416 3,091
    19 106,865 4,606 3,224
    20 111,471 4,804 3,363
    TOTAL $66,276 $46,393
  • 2
    LOCAL CD
    4.90%
    -
    $50,000
    7 Month
    Credit Union
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    4.90%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,450 1,715
    2 52,450 2,570 1,799
    3 55,020 2,696 1,887
    4 57,716 2,828 1,980
    5 60,544 2,967 2,077
    6 63,511 3,112 2,178
    7 66,623 3,265 2,285
    8 69,887 3,424 2,397
    9 73,312 3,592 2,515
    10 76,904 3,768 2,638
    11 80,672 3,953 2,767
    12 84,625 4,147 2,903
    13 88,772 4,350 3,045
    14 93,122 4,563 3,194
    15 97,685 4,787 3,351
    16 102,471 5,021 3,515
    17 107,492 5,267 3,687
    18 112,760 5,525 3,868
    19 118,285 5,796 4,057
    20 124,081 6,080 4,256
    TOTAL $80,161 $56,112

    All calculations are for demonstration purposes only.

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