Compare Savings vs. CDs
Comparison of Deposit Account from Westamerica Bank with 0.19% - April 2025


Long-Term Analysis of Westamerica Bank with 0.19% APY and Industrial and Commercial Bank of China USA, National Association with 0.10% 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
    0.19%
    -
    $50,000
    18 Month
    Bank
    0.33x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.19%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 95 67
    2 50,095 95 67
    3 50,190 95 67
    4 50,286 96 67
    5 50,381 96 67
    6 50,477 96 67
    7 50,573 96 67
    8 50,669 96 67
    9 50,765 96 68
    10 50,862 97 68
    11 50,958 97 68
    12 51,055 97 68
    13 51,152 97 68
    14 51,249 97 68
    15 51,347 98 68
    16 51,444 98 68
    17 51,542 98 69
    18 51,640 98 69
    19 51,738 98 69
    20 51,836 98 69
    TOTAL $1,935 $1,354
  • 2
    LOCAL SAVINGS
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.44x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.10%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707

    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.