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Comparison of Deposit Account from Amerasia Bank with 0.66% - April 2025


Long-Term Analysis of Amerasia Bank with 0.66% APY and Farmers & Merchants Bank with 0.40% APY and Ireland Bank with 0.06% 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
    Amerasia Bank
    0.66%
    -
    $50,000
    18 Month
    Bank
    1.14x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.66%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 330 231
    2 50,330 332 233
    3 50,662 334 234
    4 50,997 337 236
    5 51,333 339 237
    6 51,672 341 239
    7 52,013 343 240
    8 52,356 346 242
    9 52,702 348 243
    10 53,050 350 245
    11 53,400 352 247
    12 53,752 355 248
    13 54,107 357 250
    14 54,464 359 252
    15 54,824 362 253
    16 55,185 364 255
    17 55,550 367 257
    18 55,916 369 258
    19 56,285 371 260
    20 56,657 374 262
    TOTAL $7,031 $4,921
  • 2
    LOCAL MONEY MARKET
    Farmers & Merchants Bank
    0.40%
    -
    $50,000
    N.A.
    Bank
    0.69x (National Avg. - 0.58%)
    $25,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 3
    LOCAL MONEY MARKET
    Ireland Bank
    0.06%
    -
    $50,000
    N.A.
    Bank
    0.10x (National Avg. - 0.58%)
    $2,500
     
    SCENARIO
    Year Rate
    0.06%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 30 21
    2 50,030 30 21
    3 50,060 30 21
    4 50,090 30 21
    5 50,120 30 21
    6 50,150 30 21
    7 50,180 30 21
    8 50,210 30 21
    9 50,241 30 21
    10 50,271 30 21
    11 50,301 30 21
    12 50,331 30 21
    13 50,361 30 21
    14 50,391 30 21
    15 50,422 30 21
    16 50,452 30 21
    17 50,482 30 21
    18 50,512 30 21
    19 50,543 30 21
    20 50,573 30 21
    TOTAL $603 $422

    All calculations are for demonstration purposes only.

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