CD vs. Notes

Today I received an email from Bank of America touting their CD rates.  I thought I'd share some interesting math. 

**Investor Comparison: 3% vs 7.5% (1 Year)**

Let’s put real numbers to today’s rates…

If you invest **$50,000** for one year:

**CD at 3.0% APY**

→ Earns about **$1,500**

→ Total: $51,500

**Mortgage Note at 7.5%**

→ Earns about **$3,750**

→ Total: $53,750

That’s a **$2,250 difference… in just one year**

Another awesome nugget - the mortgage note investment is returned monthly vs held to the end like a CD. 

Now imagine that gap compounded over time.

Of course, different investments come with different levels of risk, liquidity, and structure—but understanding the numbers is where smart decisions start.

I share insights like this to help investors think beyond traditional options.

If you’re curious about how private lending works, feel free to reach out.

— Emily