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Comparison of Deposit Account from EECU with 3.68% - April 2025


Long-Term Analysis of Territorial Savings Bank with 0.40% APY and EECU with 3.68% APY and EECU with 3.73% 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
    Territorial Savings Bank
    0.40%
    -
    $50,000
    48 Month
    Bank
    0.49x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 2
    LOCAL CD
    EECU
    3.68%
    -
    $50,000
    6 Month
    Credit Union
    9.04x (National Avg. - 0.41%)
    $1,000
     
    SCENARIO
    Year Rate
    3.68%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,840 1,288
    2 51,840 1,908 1,335
    3 53,748 1,978 1,385
    4 55,726 2,051 1,435
    5 57,776 2,126 1,488
    6 59,902 2,204 1,543
    7 62,107 2,286 1,600
    8 64,392 2,370 1,659
    9 66,762 2,457 1,720
    10 69,219 2,547 1,783
    11 71,766 2,641 1,849
    12 74,407 2,738 1,917
    13 77,145 2,839 1,987
    14 79,984 2,943 2,060
    15 82,928 3,052 2,136
    16 85,979 3,164 2,215
    17 89,144 3,280 2,296
    18 92,424 3,401 2,381
    19 95,825 3,526 2,468
    20 99,352 3,656 2,559
    TOTAL $53,008 $37,105
  • 3
    LOCAL CD
    EECU
    3.73%
    -
    $50,000
    9 Month
    Credit Union
    N.A.
    $2,500
     
    SCENARIO
    Year Rate
    3.73%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,865 1,306
    2 51,865 1,935 1,354
    3 53,800 2,007 1,405
    4 55,806 2,082 1,457
    5 57,888 2,159 1,511
    6 60,047 2,240 1,568
    7 62,287 2,323 1,626
    8 64,610 2,410 1,687
    9 67,020 2,500 1,750
    10 69,520 2,593 1,815
    11 72,113 2,690 1,883
    12 74,803 2,790 1,953
    13 77,593 2,894 2,026
    14 80,487 3,002 2,102
    15 83,489 3,114 2,180
    16 86,604 3,230 2,261
    17 89,834 3,351 2,346
    18 93,185 3,476 2,433
    19 96,660 3,605 2,524
    20 100,266 3,740 2,618
    TOTAL $54,006 $37,804

    All calculations are for demonstration purposes only.

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