Compare Savings vs. CDs
Comparison of Deposit Account from NAVIGANT with 0.60% - April 2025


Long-Term Analysis of IncredibleBank with 3.79% APY and NAVIGANT with 0.60% APY and REDSTONE with 3.45% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    3.79%
    -
    $50,000
    6 Month
    Bank
    9.33x (National Avg. - 0.41%)
    $1,000
     
    SCENARIO
    Year Rate
    3.79%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,895 1,327
    2 51,895 1,967 1,377
    3 53,862 2,041 1,429
    4 55,903 2,119 1,483
    5 58,022 2,199 1,539
    6 60,221 2,282 1,598
    7 62,503 2,369 1,658
    8 64,872 2,459 1,721
    9 67,331 2,552 1,786
    10 69,883 2,649 1,854
    11 72,531 2,749 1,924
    12 75,280 2,853 1,997
    13 78,133 2,961 2,073
    14 81,095 3,073 2,151
    15 84,168 3,190 2,233
    16 87,358 3,311 2,318
    17 90,669 3,436 2,405
    18 94,105 3,567 2,497
    19 97,672 3,702 2,591
    20 101,374 3,842 2,689
    TOTAL $55,216 $38,651
  • 2
    LOCAL CD
    0.60%
    -
    $50,000
    36 Month
    Credit Union
    0.80x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.60%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 3
    LOCAL CD
    3.45%
    -
    $50,000
    60 Month
    Credit Union
    3.76x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    3.45%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,725 1,208
    2 51,725 1,785 1,249
    3 53,510 1,846 1,292
    4 55,356 1,910 1,337
    5 57,265 1,976 1,383
    6 59,241 2,044 1,431
    7 61,285 2,114 1,480
    8 63,399 2,187 1,531
    9 65,586 2,263 1,584
    10 67,849 2,341 1,639
    11 70,190 2,422 1,695
    12 72,612 2,505 1,754
    13 75,117 2,592 1,814
    14 77,708 2,681 1,877
    15 80,389 2,773 1,941
    16 83,162 2,869 2,008
    17 86,032 2,968 2,078
    18 89,000 3,070 2,149
    19 92,070 3,176 2,223
    20 95,247 3,286 2,300
    TOTAL $48,533 $33,973

    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.