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Comparison of Deposit Account from DENVER COMMUNITY CU D.B.A. ZING CU with 3.40% - April 2025


Long-Term Analysis of COMMONWEALTH BUSINESS BANK with 0.25% APY and DENVER COMMUNITY CU D.B.A. ZING CU with 3.40% APY and DENVER COMMUNITY CU D.B.A. ZING CU with 3.40% APY and JUSTICE with 0.88% APY and MAZUMA with 0.55% APY and FVCbank with 0.20% APY and COMMUNITY FINANCIAL with 0.10% APY and WEXFORD COMMUNITY with 0.75% APY and AMERICAN 1 with 0.50% APY and EVERWISE with 2.65% APY and WEST COMMUNITY with 0.60% APY and Sundown State Bank with 0.25% APY and The First National Bank in Cooper with 0.85% APY and TEXELL with 1.45% APY and NUMERICA with 0.75% APY and NUMERICA with 0.35% APY and NUMERICA with 0.05% APY and Valley Direct, a division of Valley National Bank with 3.75% APY and LAFAYETTE with 0.05% APY and LAFAYETTE with 4.33% APY and KENOWA COMMUNITY with 2.41% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL MONEY MARKET
    COMMONWEALTH BUSINESS BANK
    0.25%
    -
    $50,000
    N.A.
    Bank
    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
    DENVER COMMUNITY CU D.B.A. ZING CU
    3.40%
    -
    $50,000
    24 Month
    Credit Union
    5.15x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    3.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,700 1,190
    2 51,700 1,758 1,230
    3 53,458 1,818 1,272
    4 55,275 1,879 1,316
    5 57,155 1,943 1,360
    6 59,098 2,009 1,407
    7 61,107 2,078 1,454
    8 63,185 2,148 1,504
    9 65,333 2,221 1,555
    10 67,555 2,297 1,608
    11 69,851 2,375 1,662
    12 72,226 2,456 1,719
    13 74,682 2,539 1,777
    14 77,221 2,626 1,838
    15 79,847 2,715 1,900
    16 82,562 2,807 1,965
    17 85,369 2,903 2,032
    18 88,271 3,001 2,101
    19 91,272 3,103 2,172
    20 94,376 3,209 2,246
    TOTAL $47,584 $33,309
  • 3
    LOCAL CD
    DENVER COMMUNITY CU D.B.A. ZING CU
    3.40%
    -
    $50,000
    24 Month
    Credit Union
    5.15x (National Avg. - 0.66%)
    $100
     
    SCENARIO
    Year Rate
    3.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,700 1,190
    2 51,700 1,758 1,230
    3 53,458 1,818 1,272
    4 55,275 1,879 1,316
    5 57,155 1,943 1,360
    6 59,098 2,009 1,407
    7 61,107 2,078 1,454
    8 63,185 2,148 1,504
    9 65,333 2,221 1,555
    10 67,555 2,297 1,608
    11 69,851 2,375 1,662
    12 72,226 2,456 1,719
    13 74,682 2,539 1,777
    14 77,221 2,626 1,838
    15 79,847 2,715 1,900
    16 82,562 2,807 1,965
    17 85,369 2,903 2,032
    18 88,271 3,001 2,101
    19 91,272 3,103 2,172
    20 94,376 3,209 2,246
    TOTAL $47,584 $33,309
  • 4
    LOCAL CD
    JUSTICE
    0.88%
    -
    $50,000
    48 Month
    Credit Union
    1.08x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.88%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 442 309
    2 50,442 445 312
    3 50,887 449 315
    4 51,336 453 317
    5 51,790 457 320
    6 52,247 461 323
    7 52,708 465 326
    8 53,174 470 329
    9 53,643 474 332
    10 54,117 478 334
    11 54,595 482 337
    12 55,077 486 340
    13 55,563 491 343
    14 56,054 495 346
    15 56,549 499 350
    16 57,048 504 353
    17 57,552 508 356
    18 58,060 513 359
    19 58,573 517 362
    20 59,090 522 365
    TOTAL $9,611 $6,728
  • 5
    LOCAL CD
    MAZUMA
    0.55%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 275 193
    2 50,275 277 194
    3 50,552 278 195
    4 50,830 280 196
    5 51,109 281 197
    6 51,390 283 198
    7 51,673 284 199
    8 51,957 286 200
    9 52,243 287 201
    10 52,530 289 202
    11 52,819 291 203
    12 53,110 292 204
    13 53,402 294 206
    14 53,695 295 207
    15 53,991 297 208
    16 54,288 299 209
    17 54,586 300 210
    18 54,886 302 211
    19 55,188 304 212
    20 55,492 305 214
    TOTAL $5,797 $4,058
  • 6
    LOCAL MONEY MARKET
    FVCbank
    0.20%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $10,000
     
    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
  • 7
    LOCAL CD
    COMMUNITY FINANCIAL
    0.10%
    -
    $50,000
    12 Month
    Credit Union
    0.18x (National Avg. - 0.55%)
    $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
  • 8
    LOCAL CD
    WEXFORD COMMUNITY
    0.75%
    -
    $50,000
    24 Month
    Credit Union
    1.14x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 9
    LOCAL SAVINGS
    AMERICAN 1
    0.50%
    -
    $50,000
    N.A.
    Credit Union
    2.22x (National Avg. - 0.23%)
    $5
     
    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
  • 10
    LOCAL CD
    EVERWISE
    2.65%
    -
    $50,000
    36 Month
    Credit Union
    3.51x (National Avg. - 0.75%)
    $500
     
    SCENARIO
    Year Rate
    2.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,325 928
    2 51,325 1,360 952
    3 52,685 1,396 977
    4 54,081 1,433 1,003
    5 55,514 1,471 1,030
    6 56,986 1,510 1,057
    7 58,496 1,550 1,085
    8 60,046 1,591 1,114
    9 61,637 1,633 1,143
    10 63,270 1,677 1,174
    11 64,947 1,721 1,205
    12 66,668 1,767 1,237
    13 68,435 1,814 1,269
    14 70,248 1,862 1,303
    15 72,110 1,911 1,338
    16 74,021 1,962 1,373
    17 75,982 2,014 1,409
    18 77,996 2,067 1,447
    19 80,063 2,122 1,485
    20 82,185 2,178 1,525
    TOTAL $34,362 $24,054
  • 11
    LOCAL CD
    WEST COMMUNITY
    0.60%
    -
    $50,000
    48 Month
    Credit Union
    0.74x (National Avg. - 0.82%)
    $100,000
     
    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 MONEY MARKET
    Sundown State Bank
    0.25%
    -
    $50,000
    N.A.
    Bank
    0.31x (National Avg. - 0.82%)
    $25,000
     
    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
  • 13
    LOCAL CD
    The First National Bank in Cooper
    0.85%
    -
    $50,000
    48 Month
    Bank
    1.04x (National Avg. - 0.82%)
    $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
  • 14
    LOCAL CD
    TEXELL
    1.45%
    -
    $50,000
    60 Month
    Credit Union
    1.58x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 725 508
    2 50,725 736 515
    3 51,461 746 522
    4 52,207 757 530
    5 52,964 768 538
    6 53,732 779 545
    7 54,511 790 553
    8 55,301 802 561
    9 56,103 813 569
    10 56,917 825 578
    11 57,742 837 586
    12 58,579 849 595
    13 59,428 862 603
    14 60,290 874 612
    15 61,164 887 621
    16 62,051 900 630
    17 62,951 913 639
    18 63,864 926 648
    19 64,790 939 658
    20 65,729 953 667
    TOTAL $16,682 $11,678
  • 15
    LOCAL CD
    NUMERICA
    0.75%
    -
    $50,000
    48 Month
    Credit Union
    0.92x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 16
    LOCAL CD
    NUMERICA
    0.35%
    -
    $50,000
    6 Month
    Credit Union
    0.86x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 17
    LOCAL SAVINGS
    NUMERICA
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.22x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 18
    ONLINE SAVINGS
    Valley Direct, a division of Valley National Bank
    3.75%
    -
    $50,000
    N.A.
    Online Bank
    16.67x (National Avg. - 0.23%)
    $5,000
     
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085
  • 19
    LOCAL MONEY MARKET
    LAFAYETTE
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.22x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 20
    LOCAL CD
    LAFAYETTE
    4.33%
    -
    $50,000
    48 Month
    Credit Union
    5.31x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    4.33%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,165 1,516
    2 52,165 2,259 1,581
    3 54,424 2,357 1,650
    4 56,780 2,459 1,721
    5 59,239 2,565 1,796
    6 61,804 2,676 1,873
    7 64,480 2,792 1,954
    8 67,272 2,913 2,039
    9 70,185 3,039 2,127
    10 73,224 3,171 2,219
    11 76,394 3,308 2,316
    12 79,702 3,451 2,416
    13 83,153 3,601 2,520
    14 86,754 3,756 2,630
    15 90,510 3,919 2,743
    16 94,430 4,089 2,862
    17 98,518 4,266 2,986
    18 102,784 4,451 3,115
    19 107,235 4,643 3,250
    20 111,878 4,844 3,391
    TOTAL $66,722 $46,706
  • 21
    LOCAL CD
    KENOWA COMMUNITY
    2.41%
    -
    $50,000
    48 Month
    Credit Union
    2.96x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    2.41%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,205 844
    2 51,205 1,234 864
    3 52,439 1,264 885
    4 53,703 1,294 906
    5 54,997 1,325 928
    6 56,322 1,357 950
    7 57,680 1,390 973
    8 59,070 1,424 997
    9 60,494 1,458 1,021
    10 61,951 1,493 1,045
    11 63,444 1,529 1,070
    12 64,973 1,566 1,096
    13 66,539 1,604 1,123
    14 68,143 1,642 1,150
    15 69,785 1,682 1,177
    16 71,467 1,722 1,206
    17 73,189 1,764 1,235
    18 74,953 1,806 1,264
    19 76,760 1,850 1,295
    20 78,609 1,894 1,326
    TOTAL $30,504 $21,353

    All calculations are for demonstration purposes only.

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