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Comparison of Deposit Account from Freedom Bank (NJ) with 0.15% - April 2025


Long-Term Analysis of The National Bank of Middlebury with 0.25% APY and The Garrett State Bank with 0.60% APY and Freedom Bank (NJ) with 0.15% APY and EAGLE ONE with 1.26% 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
    The National Bank of Middlebury
    0.25%
    -
    $50,000
    12 Month
    Bank
    0.45x (National Avg. - 0.55%)
    $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
    The Garrett State Bank
    0.60%
    -
    $50,000
    48 Month
    Bank
    0.74x (National Avg. - 0.82%)
    $10,000
     
    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
  • 3
    LOCAL CD
    Freedom Bank (NJ)
    0.15%
    -
    $50,000
    18 Month
    Bank
    0.26x (National Avg. - 0.58%)
    $500
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 4
    LOCAL CD
    EAGLE ONE
    1.26%
    -
    $50,000
    36 Month
    Credit Union
    1.67x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    1.26%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 629 440
    2 50,629 636 445
    3 51,265 644 451
    4 51,909 652 457
    5 52,562 661 462
    6 53,223 669 468
    7 53,892 677 474
    8 54,569 686 480
    9 55,255 695 486
    10 55,949 703 492
    11 56,653 712 498
    12 57,365 721 505
    13 58,086 730 511
    14 58,816 739 518
    15 59,555 749 524
    16 60,304 758 531
    17 61,062 768 537
    18 61,830 777 544
    19 62,607 787 551
    20 63,394 797 558
    TOTAL $14,191 $9,933

    All calculations are for demonstration purposes only.

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