Compare Savings vs. CDs
Comparison of Deposit Account from MEMBERS HERITAGE with 1.11% - April 2025


Long-Term Analysis of MEMBERS HERITAGE with 1.11% APY and Commercial Capital Bank with 1.06% 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
    1.11%
    -
    $50,000
    48 Month
    Credit Union
    1.36x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.11%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 555 389
    2 50,555 561 393
    3 51,116 567 397
    4 51,684 574 402
    5 52,257 580 406
    6 52,837 586 411
    7 53,424 593 415
    8 54,017 600 420
    9 54,616 606 424
    10 55,223 613 429
    11 55,836 620 434
    12 56,455 627 439
    13 57,082 634 444
    14 57,716 641 448
    15 58,356 648 453
    16 59,004 655 458
    17 59,659 662 464
    18 60,321 670 469
    19 60,991 677 474
    20 61,668 685 479
    TOTAL $12,352 $8,647
  • 2
    LOCAL CD
    1.06%
    -
    $50,000
    36 Month
    Bank
    1.41x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.06%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 530 371
    2 50,530 536 375
    3 51,066 541 379
    4 51,607 547 383
    5 52,154 553 387
    6 52,707 559 391
    7 53,265 565 395
    8 53,830 571 399
    9 54,401 577 404
    10 54,977 583 408
    11 55,560 589 412
    12 56,149 595 417
    13 56,744 601 421
    14 57,346 608 426
    15 57,954 614 430
    16 58,568 621 435
    17 59,189 627 439
    18 59,816 634 444
    19 60,450 641 449
    20 61,091 648 453
    TOTAL $11,738 $8,217

    All calculations are for demonstration purposes only.

    Featured CD Rates

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