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Comparison of Deposit Account from FIRST CLASS AMERICAN with 0.60% - March 2025


Long-Term Analysis of FIRST CLASS AMERICAN with 0.60% APY and UNIWYO with 1.40% 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
    FIRST CLASS AMERICAN
    0.60%
    -
    $50,000
    6 Month
    Credit Union
    1.48x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 301 211
    2 50,301 303 212
    3 50,604 305 213
    4 50,908 306 215
    5 51,215 308 216
    6 51,523 310 217
    7 51,833 312 218
    8 52,145 314 220
    9 52,459 316 221
    10 52,775 318 222
    11 53,093 320 224
    12 53,412 322 225
    13 53,734 323 226
    14 54,058 325 228
    15 54,383 327 229
    16 54,710 329 231
    17 55,040 331 232
    18 55,371 333 233
    19 55,704 335 235
    20 56,040 337 236
    TOTAL $6,377 $4,464
  • 2
    LOCAL CD
    UNIWYO
    1.40%
    -
    $50,000
    60 Month
    Credit Union
    1.53x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 700 490
    2 50,700 710 497
    3 51,410 720 504
    4 52,130 730 511
    5 52,859 740 518
    6 53,599 750 525
    7 54,350 761 533
    8 55,111 772 540
    9 55,882 782 548
    10 56,665 793 555
    11 57,458 804 563
    12 58,262 816 571
    13 59,078 827 579
    14 59,905 839 587
    15 60,744 850 595
    16 61,594 862 604
    17 62,456 874 612
    18 63,331 887 621
    19 64,217 899 629
    20 65,117 912 638
    TOTAL $16,028 $11,220

    All calculations are for demonstration purposes only.

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