Compare Savings vs. CDs
Comparison of Deposit Account from GALE with 1.26% - April 2025


Long-Term Analysis of GALE with 1.26% APY and Texas Bank with 3.35% 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
    1.26%
    -
    $50,000
    48 Month
    Credit Union
    1.54x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.26%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 628 440
    2 50,628 636 445
    3 51,264 644 451
    4 51,908 652 456
    5 52,560 660 462
    6 53,220 668 468
    7 53,888 677 474
    8 54,565 685 480
    9 55,250 694 486
    10 55,944 703 492
    11 56,647 711 498
    12 57,359 720 504
    13 58,079 729 511
    14 58,808 739 517
    15 59,547 748 524
    16 60,295 757 530
    17 61,052 767 537
    18 61,819 776 544
    19 62,596 786 550
    20 63,382 796 557
    TOTAL $14,178 $9,925
  • 2
    LOCAL CD
    3.35%
    -
    $50,000
    3 Month
    Bank
    1.52x (National Avg. - 2.20%)
    $500
     
    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

    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.