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Comparison of Deposit Account from BayCoast Bank with 0.70% - April 2025


Long-Term Analysis of BayCoast Bank with 0.70% APY and Morton Community Bank with 2.10% 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
    BayCoast Bank
    0.70%
    -
    $50,000
    48 Month
    Bank
    0.86x (National Avg. - 0.82%)
    $10
     
    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
  • 2
    LOCAL CD
    Morton Community Bank
    2.10%
    -
    $50,000
    3 Month
    Bank
    0.96x (National Avg. - 2.20%)
    $100,000
     
    SCENARIO
    Year Rate
    2.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,050 735
    2 51,050 1,072 750
    3 52,122 1,095 766
    4 53,217 1,118 782
    5 54,334 1,141 799
    6 55,475 1,165 815
    7 56,640 1,189 833
    8 57,830 1,214 850
    9 59,044 1,240 868
    10 60,284 1,266 886
    11 61,550 1,293 905
    12 62,842 1,320 924
    13 64,162 1,347 943
    14 65,510 1,376 963
    15 66,885 1,405 983
    16 68,290 1,434 1,004
    17 69,724 1,464 1,025
    18 71,188 1,495 1,046
    19 72,683 1,526 1,068
    20 74,209 1,558 1,091
    TOTAL $25,768 $18,037

    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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