Compare Savings vs. CDs
Comparison of Deposit Account from KSW with 1.21% - April 2025


Long-Term Analysis of KSW with 1.21% APY and Texas Regional Bank with 0.75% APY and MARTINSVILLE DUPONT EMP with 0.65% 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
    1.21%
    -
    $50,000
    48 Month
    Credit Union
    1.48x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.21%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 604 422
    2 50,604 611 428
    3 51,214 618 433
    4 51,832 626 438
    5 52,458 633 443
    6 53,091 641 449
    7 53,732 649 454
    8 54,381 656 459
    9 55,037 664 465
    10 55,701 672 471
    11 56,374 680 476
    12 57,054 689 482
    13 57,743 697 488
    14 58,440 705 494
    15 59,145 714 500
    16 59,859 722 506
    17 60,581 731 512
    18 61,313 740 518
    19 62,053 749 524
    20 62,802 758 531
    TOTAL $13,560 $9,492
  • 2
    LOCAL CD
    0.75%
    -
    $50,000
    48 Month
    Bank
    0.92x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.75%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 3
    LOCAL CD
    0.65%
    -
    $50,000
    24 Month
    Credit Union
    0.98x (National Avg. - 0.66%)
    $10,000
     
    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

    All calculations are for demonstration purposes only.

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