Compare Savings vs. CDs
Comparison of Deposit Account from WESLA with 0.25% - April 2025


Long-Term Analysis of WESLA with 0.25% APY and Guaranty Bank and Trust Company with 0.43% 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
    0.25%
    -
    $50,000
    6 Month
    Credit Union
    0.62x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.25%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 2
    LOCAL CD
    0.43%
    -
    $50,000
    24 Month
    Bank
    0.64x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.43%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 213 149
    2 50,213 213 149
    3 50,426 214 150
    4 50,640 215 151
    5 50,855 216 151
    6 51,072 217 152
    7 51,289 218 153
    8 51,507 219 153
    9 51,726 220 154
    10 51,945 221 155
    11 52,166 222 155
    12 52,388 223 156
    13 52,610 224 157
    14 52,834 225 157
    15 53,059 225 158
    16 53,284 226 159
    17 53,511 227 159
    18 53,738 228 160
    19 53,966 229 161
    20 54,196 230 161
    TOTAL $4,426 $3,098

    All calculations are for demonstration purposes only.

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    ONLINE BANKS APY? MIN?

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    Last change: ↓0.50% on February 25.