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Comparison of Deposit Account from GAS AND ELECTRIC with 0.90% - April 2025


Long-Term Analysis of GAS AND ELECTRIC with 0.90% APY and TOPLINE with 0.94% APY and TWO HARBORS with 0.35% 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
    GAS AND ELECTRIC
    0.90%
    -
    $50,000
    24 Month
    Credit Union
    1.37x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 2
    LOCAL CD
    TOPLINE
    0.94%
    -
    $50,000
    24 Month
    Credit Union
    1.43x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.94%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 470 329
    2 50,470 474 332
    3 50,944 479 335
    4 51,423 483 338
    5 51,907 488 342
    6 52,395 493 345
    7 52,887 497 348
    8 53,384 502 351
    9 53,886 507 355
    10 54,393 511 358
    11 54,904 516 361
    12 55,420 521 365
    13 55,941 526 368
    14 56,467 531 372
    15 56,998 536 375
    16 57,533 541 379
    17 58,074 546 382
    18 58,620 551 386
    19 59,171 556 389
    20 59,727 561 393
    TOTAL $10,289 $7,202
  • 3
    LOCAL CD
    TWO HARBORS
    0.35%
    -
    $50,000
    6 Month
    Credit Union
    0.86x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533

    All calculations are for demonstration purposes only.

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