Compare Savings vs. CDs
Comparison of Deposit Account from TotalDirect, a division of City National Bank of Florida with 4.61% - January 2025


Long-Term Analysis of TotalDirect, a division of City National Bank of Florida with 4.61% 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
    ONLINE CD
    4.61%
    -
    $50,000
    3 Month
    Online Bank
    2.12x (National Avg. - 2.17%)
    $25,000
     
    SCENARIO
    Year Rate
    4.61%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,305 1,614
    2 52,305 2,411 1,688
    3 54,716 2,522 1,766
    4 57,239 2,639 1,847
    5 59,877 2,760 1,932
    6 62,638 2,888 2,021
    7 65,525 3,021 2,115
    8 68,546 3,160 2,212
    9 71,706 3,306 2,314
    10 75,012 3,458 2,421
    11 78,470 3,617 2,532
    12 82,087 3,784 2,649
    13 85,871 3,959 2,771
    14 89,830 4,141 2,899
    15 93,971 4,332 3,032
    16 98,303 4,532 3,172
    17 102,835 4,741 3,318
    18 107,576 4,959 3,471
    19 112,535 5,188 3,632
    20 117,723 5,427 3,799
    TOTAL $73,150 $51,205

    All calculations are for demonstration purposes only.

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