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Comparison of Deposit Account from Extraco Banks, National Association with 0.75% - April 2025


Long-Term Analysis of Charlotte State Bank & Trust with 0.08% APY and Rockland Savings Bank, FSB with 0.70% APY and Extraco Banks, National Association with 0.75% APY and Extraco Banks, National Association with 0.05% APY and UNITED COMMUNITY with 0.55% APY and UNITED COMMUNITY with 0.65% 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 CD
    Charlotte State Bank & Trust
    0.08%
    -
    $50,000
    18 Month
    Bank
    0.14x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.08%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 40 28
    2 50,040 40 28
    3 50,080 40 28
    4 50,120 40 28
    5 50,160 40 28
    6 50,200 40 28
    7 50,240 40 28
    8 50,281 40 28
    9 50,321 40 28
    10 50,361 40 28
    11 50,401 40 28
    12 50,442 40 28
    13 50,482 40 28
    14 50,523 40 28
    15 50,563 40 28
    16 50,603 40 28
    17 50,644 41 28
    18 50,684 41 28
    19 50,725 41 28
    20 50,765 41 28
    TOTAL $806 $564
  • 2
    LOCAL CD
    Rockland Savings Bank, FSB
    0.70%
    -
    $50,000
    24 Month
    Bank
    1.06x (National Avg. - 0.66%)
    $100,000
     
    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
  • 3
    LOCAL CD
    Extraco Banks, National Association
    0.75%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $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
  • 4
    LOCAL MONEY MARKET
    Extraco Banks, National Association
    0.05%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $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
  • 5
    LOCAL CD
    UNITED COMMUNITY
    0.55%
    -
    $50,000
    18 Month
    Credit Union
    0.95x (National Avg. - 0.58%)
    $100,000
     
    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 CD
    UNITED COMMUNITY
    0.65%
    -
    $50,000
    24 Month
    Credit Union
    0.99x (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

    All calculations are for demonstration purposes only.

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