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Savings calculator

Monthly compounding in USD. Type the rate from a written offer — we do not invent a market average.

Balance after 5 years
$60,000
Balance after 5 years
$60,000
You put in
$60,000
Interest earned
$0
Protected amount
$250,000

FDIC deposit insurance covers deposits per person, per institution. Balances above that limit are best split across institutions.

Cost breakdown
You put in$60,000Interest earned$0(0%)
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1

Always Bank High Yield CDs

8.54.3(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

2

Always High-Yield Savings

8.54.3(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Always High-Yield Savings is 4.10% APY, variable, effective as of 12:01 AM ET on the retrieval date, with $0 monthly fee and $0 minimum. Powered by 22nd State Banking Company, Member FDIC. Alabama law governs the account. Source: always.bank/savings, 2026-08-27.

3

Consumers Credit Union Certificates

  • Highest score
8.74.4(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

Consumers Credit Union (CCU): Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

Always Bank: Always High-Yield Savings is 4.10% APY, variable, effective as of 12:01 AM ET on the retrieval date, with $0 monthly fee and $0 minimum. Powered by 22nd State Banking Company, Member FDIC. Alabama law governs the account. Source: always.bank/savings, 2026-08-27.

This calculator compounds a starting balance and a regular payment at a rate you type. The rate is an assumption, not a quote from a United States provider. It does not model every tax wrapper or every withdrawal rule.

Replace the rate with a written offer, then compare savings accounts and term deposits. Local wrappers: local tools. Protection: FDIC deposit insurance. Tax treatment: tax wrappers and savings.