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Comparison of Deposit Account from FILER with 0.95% - April 2025


Long-Term Analysis of PENINSULA COMMUNITY with 0.75% APY and FILER with 0.95% APY and FILER with 1.26% APY and FILER with 1.36% APY and WEYCO COMMUNITY with 4.59% 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
    PENINSULA COMMUNITY
    0.75%
    -
    $50,000
    48 Month
    Credit Union
    0.92x (National Avg. - 0.82%)
    $500
     
    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
  • 2
    LOCAL CD
    FILER
    0.95%
    -
    $50,000
    24 Month
    Credit Union
    1.44x (National Avg. - 0.66%)
    $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
  • 3
    LOCAL CD
    FILER
    1.26%
    -
    $50,000
    48 Month
    Credit Union
    1.55x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.26%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 630 441
    2 50,630 638 447
    3 51,268 646 452
    4 51,914 654 458
    5 52,568 662 464
    6 53,230 671 469
    7 53,901 679 475
    8 54,580 688 481
    9 55,268 696 487
    10 55,964 705 494
    11 56,669 714 500
    12 57,384 723 506
    13 58,107 732 512
    14 58,839 741 519
    15 59,580 751 525
    16 60,331 760 532
    17 61,091 770 539
    18 61,861 779 546
    19 62,640 789 552
    20 63,429 799 559
    TOTAL $14,229 $9,960
  • 4
    LOCAL CD
    FILER
    1.36%
    -
    $50,000
    48 Month
    Credit Union
    1.67x (National Avg. - 0.82%)
    $100,000
     
    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
  • 5
    LOCAL CD
    WEYCO COMMUNITY
    4.59%
    -
    $50,000
    6 Month
    Credit Union
    11.31x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    4.59%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,295 1,607
    2 52,295 2,400 1,680
    3 54,695 2,511 1,757
    4 57,206 2,626 1,838
    5 59,832 2,746 1,922
    6 62,578 2,872 2,011
    7 65,450 3,004 2,103
    8 68,454 3,142 2,199
    9 71,596 3,286 2,300
    10 74,883 3,437 2,406
    11 78,320 3,595 2,516
    12 81,915 3,760 2,632
    13 85,675 3,932 2,753
    14 89,607 4,113 2,879
    15 93,720 4,302 3,011
    16 98,022 4,499 3,149
    17 102,521 4,706 3,294
    18 107,227 4,922 3,445
    19 112,148 5,148 3,603
    20 117,296 5,384 3,769
    TOTAL $72,680 $50,876

    All calculations are for demonstration purposes only.

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