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Comparison of Deposit Account from CORNERSTONE COMMUNITY with 0.50% - April 2025

Long-Term Analysis of CORNERSTONE COMMUNITY with 0.50% APY and OLD HICKORY with 0.10% APY and ONPOINT COMMUNITY with 2.01% APY and SPECTRUM with 4.15% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

CORNERSTONE COMMUNITY

0.50%

$50,000

60 Month

Credit Union

0.54x (National Avg. - 0.92%)

$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

LOCAL CD

OLD HICKORY

0.10%

$50,000

6 Month

Credit Union

0.25x (National Avg. - 0.41%)

$100,000

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

LOCAL CD

ONPOINT COMMUNITY

2.01%

$50,000

6 Month

Credit Union

4.95x (National Avg. - 0.41%)

$1,001

SCENARIO

Year	Rate 2.01%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,005	704
2	51,005	1,025	718
3	52,030	1,046	732
4	53,076	1,067	747
5	54,143	1,088	762
6	55,231	1,110	777
7	56,341	1,132	793
8	57,474	1,155	809
9	58,629	1,178	825
10	59,807	1,202	841
11	61,010	1,226	858
12	62,236	1,251	876
13	63,487	1,276	893
14	64,763	1,302	911
15	66,065	1,328	930
16	67,392	1,355	948
17	68,747	1,382	967
18	70,129	1,410	987
19	71,538	1,438	1,007
20	72,976	1,467	1,027
	TOTAL	$24,443	$17,110

LOCAL CD

SPECTRUM

4.15%

$50,000

36 Month

Credit Union

5.51x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 4.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,075	1,453
2	52,075	2,161	1,513
3	54,236	2,251	1,576
4	56,487	2,344	1,641
5	58,831	2,441	1,709
6	61,273	2,543	1,780
7	63,815	2,648	1,854
8	66,464	2,758	1,931
9	69,222	2,873	2,011
10	72,095	2,992	2,094
11	75,087	3,116	2,181
12	78,203	3,245	2,272
13	81,448	3,380	2,366
14	84,828	3,520	2,464
15	88,349	3,666	2,567
16	92,015	3,819	2,673
17	95,834	3,977	2,784
18	99,811	4,142	2,900
19	103,953	4,314	3,020
20	108,267	4,493	3,145
	TOTAL	$62,760	$43,932

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
My e-Banc, a division of Bradesco BAC Florida Bank	4.55%	$50,000	Learn More
Last change: ↓0.10% on February 9. 6 Month Jumbo CD.
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Bread Savings, a division of Bread Financial	4.50%	$1,500	Learn More
Last change: ↓0.15% on January 25.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.

Compare Savings vs. CDs Comparison of Deposit Account from CORNERSTONE COMMUNITY with 0.50% - April 2025

Long-Term Analysis of CORNERSTONE COMMUNITY with 0.50% APY and OLD HICKORY with 0.10% APY and ONPOINT COMMUNITY with 2.01% APY and SPECTRUM with 4.15% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from CORNERSTONE COMMUNITY with 0.50% - April 2025