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Comparison of Deposit Account from American Community Bank of Indiana with 0.20% - April 2025


Long-Term Analysis of TOGETHER with 0.25% APY and BAY with 0.31% APY and American Community Bank of Indiana with 0.20% APY and FIRST CAPITAL with 0.70% 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 MONEY MARKET
    TOGETHER
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $2,500
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 2
    LOCAL CD
    BAY
    0.31%
    -
    $50,000
    12 Month
    Credit Union
    0.56x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.31%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 155 109
    2 50,155 155 109
    3 50,310 156 109
    4 50,466 156 110
    5 50,623 157 110
    6 50,780 157 110
    7 50,937 158 111
    8 51,095 158 111
    9 51,254 159 111
    10 51,412 159 112
    11 51,572 160 112
    12 51,732 160 112
    13 51,892 161 113
    14 52,053 161 113
    15 52,214 162 113
    16 52,376 162 114
    17 52,539 163 114
    18 52,701 163 114
    19 52,865 164 115
    20 53,029 164 115
    TOTAL $3,193 $2,235
  • 3
    LOCAL CD
    American Community Bank of Indiana
    0.20%
    -
    $50,000
    12 Month
    Bank
    0.36x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 4
    LOCAL CD
    FIRST CAPITAL
    0.70%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240

    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.

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