The bank pays you one rate. A 3-year guaranteed rate pays you another. Multiply the difference over 20 years and it stops being a rounding error. Enter your own numbers below — or use today's actual rates.
$
The amount you're comparing across both options.
%
Your bank's 36-month CD rate. Change if it's different.
%
Our guaranteed rate. Currently 5.85% for 36 months.
Assumes both rates hold at renewal. Real-world rates change; that's why we review yearly.
The Comparison
After 10 years, here's what you'd have
Bank CD Balance
at 3.85%
$146,181
Guaranteed Rate Balance
at 5.50%
$170,814
Money left on the table
$24,634
That's what the bank's lower rate costs you over 10 years — 16.8% more with the reserve than with the CD.
Rates as of August 14, 2026 — CD rate reflects typical local bank 36-month CD APY. Guaranteed rate reflects the best available 36-month product rate through Oakfield's issuing partners. Both rates are subject to change at renewal and are illustrative only, not a promise of future performance.
Guaranteed-rate contracts are principal-protected. Guarantees are subject to the claims-paying ability of the issuing company. Early withdrawal may incur surrender charges. Withdrawal of gains may trigger ordinary income tax.
Educational only. This tool is provided for educational purposes and is not an offer of securities or investment advisory services. Oakfield Financial Group is a trade name of Thoroughbred Investment Associates, LLC, a South Carolina limited liability company. Insurance products are offered through Evan Streeter, a licensed South Carolina insurance producer (SC DOI Title 38, Ch. 43) · NPN 2139324. Products and services are available only in states where Oakfield and its representatives are properly licensed.