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Comparison of Deposit Account from BLUESTEM COMMUNITY with 0.20% - April 2025


Long-Term Analysis of COMMUNITY 1ST with 0.15% APY and STALEY with 0.65% APY and BLUESTEM COMMUNITY with 0.15% APY and BLUESTEM COMMUNITY with 0.20% APY and SOO CO-OP with 0.50% APY and SOO CO-OP with 0.85% APY and SOO CO-OP with 0.95% APY and SOO CO-OP with 0.10% APY and FILER with 1.36% APY and FILER with 1.46% APY and CENTRICITY with 0.60% APY and NAVIGATOR CU with 0.90% APY and APPLETREE with 0.99% APY and APPLETREE with 0.29% APY and LAFAYETTE with 4.42% APY and NAVIGATOR CU with 0.15% 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
    COMMUNITY 1ST
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $2,500
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 2
    LOCAL CD
    STALEY
    0.65%
    -
    $50,000
    24 Month
    Credit Union
    0.98x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842
  • 3
    LOCAL CD
    BLUESTEM COMMUNITY
    0.15%
    -
    $50,000
    12 Month
    Credit Union
    0.27x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 4
    LOCAL CD
    BLUESTEM COMMUNITY
    0.20%
    -
    $50,000
    24 Month
    Credit Union
    0.30x (National Avg. - 0.66%)
    $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
  • 5
    LOCAL CD
    SOO CO-OP
    0.50%
    -
    $50,000
    12 Month
    Credit Union
    0.91x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 6
    LOCAL CD
    SOO CO-OP
    0.85%
    -
    $50,000
    36 Month
    Credit Union
    1.13x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456
  • 7
    LOCAL CD
    SOO CO-OP
    0.95%
    -
    $50,000
    60 Month
    Credit Union
    1.03x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 475 333
    2 50,475 480 336
    3 50,955 484 339
    4 51,439 489 342
    5 51,927 493 345
    6 52,421 498 349
    7 52,919 503 352
    8 53,421 508 355
    9 53,929 512 359
    10 54,441 517 362
    11 54,958 522 365
    12 55,480 527 369
    13 56,007 532 372
    14 56,540 537 376
    15 57,077 542 380
    16 57,619 547 383
    17 58,166 553 387
    18 58,719 558 390
    19 59,277 563 394
    20 59,840 568 398
    TOTAL $10,408 $7,286
  • 8
    LOCAL SAVINGS
    SOO CO-OP
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.44x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 9
    LOCAL CD
    FILER
    1.36%
    -
    $50,000
    60 Month
    Credit Union
    1.48x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.36%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 680 476
    2 50,680 689 482
    3 51,369 699 489
    4 52,068 708 496
    5 52,776 718 502
    6 53,494 728 509
    7 54,221 737 516
    8 54,959 747 523
    9 55,706 758 530
    10 56,464 768 538
    11 57,232 778 545
    12 58,010 789 552
    13 58,799 800 560
    14 59,599 811 567
    15 60,409 822 575
    16 61,231 833 583
    17 62,063 844 591
    18 62,907 856 599
    19 63,763 867 607
    20 64,630 879 615
    TOTAL $15,509 $10,856
  • 10
    LOCAL CD
    FILER
    1.46%
    -
    $50,000
    60 Month
    Credit Union
    1.59x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.46%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 730 511
    2 50,730 741 518
    3 51,471 751 526
    4 52,222 762 534
    5 52,985 774 542
    6 53,758 785 549
    7 54,543 796 557
    8 55,339 808 566
    9 56,147 820 574
    10 56,967 832 582
    11 57,799 844 591
    12 58,643 856 599
    13 59,499 869 608
    14 60,367 881 617
    15 61,249 894 626
    16 62,143 907 635
    17 63,050 921 644
    18 63,971 934 654
    19 64,905 948 663
    20 65,853 961 673
    TOTAL $16,814 $11,770
  • 11
    LOCAL CD
    CENTRICITY
    0.60%
    -
    $50,000
    12 Month
    Credit Union
    1.09x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 12
    LOCAL CD
    NAVIGATOR CU
    0.90%
    -
    $50,000
    24 Month
    Credit Union
    1.36x (National Avg. - 0.66%)
    $25,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 13
    LOCAL CD
    APPLETREE
    0.99%
    -
    $50,000
    60 Month
    Credit Union
    1.08x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.99%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 495 347
    2 50,495 500 350
    3 50,995 505 353
    4 51,500 510 357
    5 52,010 515 360
    6 52,524 520 364
    7 53,044 525 368
    8 53,570 530 371
    9 54,100 536 375
    10 54,636 541 379
    11 55,176 546 382
    12 55,723 552 386
    13 56,274 557 390
    14 56,831 563 394
    15 57,394 568 398
    16 57,962 574 402
    17 58,536 580 406
    18 59,116 585 410
    19 59,701 591 414
    20 60,292 597 418
    TOTAL $10,889 $7,622
  • 14
    LOCAL MONEY MARKET
    APPLETREE
    0.29%
    -
    $50,000
    N.A.
    Credit Union
    0.32x (National Avg. - 0.92%)
    $25,000
     
    SCENARIO
    Year Rate
    0.29%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 145 102
    2 50,145 145 102
    3 50,290 146 102
    4 50,436 146 102
    5 50,583 147 103
    6 50,729 147 103
    7 50,876 148 103
    8 51,024 148 104
    9 51,172 148 104
    10 51,320 149 104
    11 51,469 149 104
    12 51,618 150 105
    13 51,768 150 105
    14 51,918 151 105
    15 52,069 151 106
    16 52,220 151 106
    17 52,371 152 106
    18 52,523 152 107
    19 52,675 153 107
    20 52,828 153 107
    TOTAL $2,981 $2,087
  • 15
    LOCAL CD
    LAFAYETTE
    4.42%
    -
    $50,000
    48 Month
    Credit Union
    5.42x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    4.42%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,210 1,547
    2 52,210 2,308 1,615
    3 54,518 2,410 1,687
    4 56,927 2,516 1,761
    5 59,444 2,627 1,839
    6 62,071 2,744 1,920
    7 64,814 2,865 2,005
    8 67,679 2,991 2,094
    9 70,671 3,124 2,187
    10 73,794 3,262 2,283
    11 77,056 3,406 2,384
    12 80,462 3,556 2,489
    13 84,018 3,714 2,600
    14 87,732 3,878 2,714
    15 91,610 4,049 2,834
    16 95,659 4,228 2,960
    17 99,887 4,415 3,091
    18 104,302 4,610 3,227
    19 108,912 4,814 3,370
    20 113,726 5,027 3,519
    TOTAL $68,753 $48,127
  • 16
    LOCAL SAVINGS
    NAVIGATOR CU
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    0.67x (National Avg. - 0.23%)
    $50,001
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065

    All calculations are for demonstration purposes only.

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