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Comparison of Deposit Account from Gorham Savings Bank with 0.25% - April 2025


Long-Term Analysis of GEORGIA'S OWN with 2.97% APY and Legence Bank with 0.25% APY and GRAND PRAIRIE with 0.05% APY and ALLIED with 0.10% APY and MAX with 0.50% APY and GLOBAL with 2.00% APY and Union Savings Bank with 0.15% APY and FVCbank with 0.90% APY and GEORGIA'S OWN with 0.50% APY and GEORGIA'S OWN with 4.67% APY and Walcott Trust and Savings Bank with 0.15% APY and First Federal Savings Bank of Twin Falls with 0.10% APY and GLOBAL with 0.08% APY and Old National Bank with 0.35% APY and The First National Bank of Monterey with 1.06% APY and WESLA with 0.25% APY and ASCENSION with 1.46% APY and MID-ATLANTIC with 0.05% APY and Gorham Savings Bank with 0.25% APY and Old National Bank with 0.30% APY and Guaranty Bank and Trust Company with 0.02% APY and CAPITAL COMMUNICATIONS with 0.12% APY and NIAGARA'S CHOICE with 0.75% APY and BUFFALO METROPOLITAN with 0.10% APY and ADVANTAGE with 0.60% APY and ADVANTAGE with 0.15% APY and Rondout Savings Bank with 0.80% APY and The Berkshire Bank with 0.35% APY and PEOPLE'S ALLIANCE with 0.81% APY and Welch State Bank of Welch, Okla. with 0.35% APY and SOUTHWEST OKLAHOMA with 0.35% APY and SOUTHWEST OKLAHOMA with 0.75% APY and UPSTATE with 1.05% APY and LIFE with 0.10% APY and Union Bank with 0.90% APY and ALCOA TENN with 0.50% APY and ALCOA TENN with 0.10% APY and TEXAS TRUST with 4.70% APY and CENTEX CITIZENS with 0.10% APY and TEXAS BAY with 0.05% APY and TEX MEX with 0.50% APY and VERITY with 0.30% APY and STAR OF TEXAS with 0.80% APY and SUFFOLK with 0.75% APY and SAFEAMERICA with 3.10% APY and Fidelity Co-operative Bank with 3.75% APY and Marquette Savings Bank with 3.44% 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
    GEORGIA'S OWN
    2.97%
    -
    $50,000
    24 Month
    Credit Union
    4.50x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    2.97%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,485 1,040
    2 51,485 1,529 1,070
    3 53,014 1,575 1,102
    4 54,589 1,621 1,135
    5 56,210 1,669 1,169
    6 57,879 1,719 1,203
    7 59,598 1,770 1,239
    8 61,368 1,823 1,276
    9 63,191 1,877 1,314
    10 65,068 1,933 1,353
    11 67,000 1,990 1,393
    12 68,990 2,049 1,434
    13 71,039 2,110 1,477
    14 73,149 2,173 1,521
    15 75,322 2,237 1,566
    16 77,559 2,303 1,612
    17 79,862 2,372 1,660
    18 82,234 2,442 1,710
    19 84,676 2,515 1,760
    20 87,191 2,590 1,813
    TOTAL $39,781 $27,847
  • 2
    LOCAL CD
    Legence Bank
    0.25%
    -
    $50,000
    12 Month
    Bank
    0.45x (National Avg. - 0.55%)
    $1,000
     
    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
  • 3
    LOCAL MONEY MARKET
    GRAND PRAIRIE
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.09x (National Avg. - 0.55%)
    $10,000
     
    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
  • 4
    LOCAL MONEY MARKET
    ALLIED
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.18x (National Avg. - 0.55%)
    $25,000
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 5
    LOCAL CD
    MAX
    0.50%
    -
    $50,000
    12 Month
    Credit Union
    0.91x (National Avg. - 0.55%)
    $500
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 6
    LOCAL CD
    GLOBAL
    2.00%
    -
    $50,000
    6 Month
    Credit Union
    4.93x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    2.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,000 700
    2 51,000 1,020 714
    3 52,020 1,040 728
    4 53,060 1,061 743
    5 54,122 1,082 758
    6 55,204 1,104 773
    7 56,308 1,126 788
    8 57,434 1,149 804
    9 58,583 1,172 820
    10 59,755 1,195 837
    11 60,950 1,219 853
    12 62,169 1,243 870
    13 63,412 1,268 888
    14 64,680 1,294 906
    15 65,974 1,319 924
    16 67,293 1,346 942
    17 68,639 1,373 961
    18 70,012 1,400 980
    19 71,412 1,428 1,000
    20 72,841 1,457 1,020
    TOTAL $24,297 $17,008
  • 7
    LOCAL CD
    Union Savings Bank
    0.15%
    -
    $50,000
    6 Month
    Bank
    0.37x (National Avg. - 0.41%)
    $100,000
     
    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
  • 8
    LOCAL CD
    FVCbank
    0.90%
    -
    $50,000
    24 Month
    Bank
    1.36x (National Avg. - 0.66%)
    $10,000
     
    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
  • 9
    LOCAL MONEY MARKET
    GEORGIA'S OWN
    0.50%
    -
    $50,000
    N.A.
    Credit Union
    0.76x (National Avg. - 0.66%)
    $2,500
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 10
    LOCAL CD
    GEORGIA'S OWN
    4.67%
    -
    $50,000
    6 Month
    Credit Union
    11.50x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    4.67%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,335 1,635
    2 52,335 2,444 1,711
    3 54,779 2,558 1,791
    4 57,337 2,678 1,874
    5 60,015 2,803 1,962
    6 62,818 2,934 2,054
    7 65,751 3,071 2,149
    8 68,822 3,214 2,250
    9 72,036 3,364 2,355
    10 75,400 3,521 2,465
    11 78,921 3,686 2,580
    12 82,607 3,858 2,700
    13 86,464 4,038 2,827
    14 90,502 4,226 2,959
    15 94,729 4,424 3,097
    16 99,152 4,630 3,241
    17 103,783 4,847 3,393
    18 108,630 5,073 3,551
    19 113,703 5,310 3,717
    20 119,012 5,558 3,891
    TOTAL $74,570 $52,199
  • 11
    LOCAL MONEY MARKET
    Walcott Trust and Savings Bank
    0.15%
    -
    $50,000
    N.A.
    Bank
    0.37x (National Avg. - 0.41%)
    $10,000
     
    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
  • 12
    LOCAL MONEY MARKET
    First Federal Savings Bank of Twin Falls
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.25x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 13
    LOCAL MONEY MARKET
    GLOBAL
    0.08%
    -
    $50,000
    N.A.
    Credit Union
    0.20x (National Avg. - 0.41%)
    $10,000
     
    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
  • 14
    LOCAL CD
    Old National Bank
    0.35%
    -
    $50,000
    48 Month
    Bank
    0.43x (National Avg. - 0.82%)
    $100,000
     
    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
  • 15
    LOCAL CD
    The First National Bank of Monterey
    1.06%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    1.06%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 530 371
    2 50,530 536 375
    3 51,066 541 379
    4 51,607 547 383
    5 52,154 553 387
    6 52,707 559 391
    7 53,265 565 395
    8 53,830 571 399
    9 54,401 577 404
    10 54,977 583 408
    11 55,560 589 412
    12 56,149 595 417
    13 56,744 601 421
    14 57,346 608 426
    15 57,954 614 430
    16 58,568 621 435
    17 59,189 627 439
    18 59,816 634 444
    19 60,450 641 449
    20 61,091 648 453
    TOTAL $11,738 $8,217
  • 16
    LOCAL CD
    WESLA
    0.25%
    -
    $50,000
    60 Month
    Credit Union
    0.27x (National Avg. - 0.92%)
    $100,000
     
    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
  • 17
    LOCAL CD
    ASCENSION
    1.46%
    -
    $50,000
    36 Month
    Credit Union
    1.94x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.46%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 730 511
    2 50,730 741 518
    3 51,471 751 526
    4 52,222 762 534
    5 52,985 774 542
    6 53,758 785 549
    7 54,543 796 557
    8 55,339 808 566
    9 56,147 820 574
    10 56,967 832 582
    11 57,799 844 591
    12 58,643 856 599
    13 59,499 869 608
    14 60,367 881 617
    15 61,249 894 626
    16 62,143 907 635
    17 63,050 921 644
    18 63,971 934 654
    19 64,905 948 663
    20 65,853 961 673
    TOTAL $16,814 $11,770
  • 18
    LOCAL MONEY MARKET
    MID-ATLANTIC
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.07x (National Avg. - 0.75%)
    $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
  • 19
    LOCAL CD
    Gorham Savings Bank
    0.25%
    -
    $50,000
    12 Month
    Bank
    0.45x (National Avg. - 0.55%)
    $100,000
     
    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
  • 20
    LOCAL CD
    Old National Bank
    0.30%
    -
    $50,000
    36 Month
    Bank
    0.40x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 21
    LOCAL MONEY MARKET
    Guaranty Bank and Trust Company
    0.02%
    -
    $50,000
    N.A.
    Bank
    0.03x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.02%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 10 7
    2 50,010 10 7
    3 50,020 10 7
    4 50,030 10 7
    5 50,040 10 7
    6 50,050 10 7
    7 50,060 10 7
    8 50,070 10 7
    9 50,080 10 7
    10 50,090 10 7
    11 50,100 10 7
    12 50,110 10 7
    13 50,120 10 7
    14 50,130 10 7
    15 50,140 10 7
    16 50,150 10 7
    17 50,160 10 7
    18 50,170 10 7
    19 50,180 10 7
    20 50,190 10 7
    TOTAL $200 $140
  • 22
    LOCAL SAVINGS
    CAPITAL COMMUNICATIONS
    0.12%
    -
    $50,000
    N.A.
    Credit Union
    0.54x (National Avg. - 0.22%)
    $2,500
     
    SCENARIO
    Year Rate
    0.12%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 60 42
    2 50,060 60 42
    3 50,120 60 42
    4 50,180 60 42
    5 50,240 60 42
    6 50,301 60 42
    7 50,361 60 42
    8 50,422 61 42
    9 50,482 61 42
    10 50,543 61 42
    11 50,603 61 43
    12 50,664 61 43
    13 50,725 61 43
    14 50,786 61 43
    15 50,847 61 43
    16 50,908 61 43
    17 50,969 61 43
    18 51,030 61 43
    19 51,091 61 43
    20 51,152 61 43
    TOTAL $1,214 $850
  • 23
    LOCAL CD
    NIAGARA'S CHOICE
    0.75%
    -
    $50,000
    60 Month
    Credit Union
    0.82x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 377 264
    2 50,377 379 266
    3 50,756 382 268
    4 51,138 385 270
    5 51,523 388 272
    6 51,911 391 274
    7 52,302 394 276
    8 52,696 397 278
    9 53,093 400 280
    10 53,492 403 282
    11 53,895 406 284
    12 54,301 409 286
    13 54,710 412 288
    14 55,122 415 291
    15 55,537 418 293
    16 55,955 421 295
    17 56,376 425 297
    18 56,801 428 299
    19 57,229 431 302
    20 57,660 434 304
    TOTAL $8,094 $5,666
  • 24
    LOCAL SAVINGS
    BUFFALO METROPOLITAN
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.45x (National Avg. - 0.22%)
    $1,000
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 25
    LOCAL CD
    ADVANTAGE
    0.60%
    -
    $50,000
    24 Month
    Credit Union
    0.91x (National Avg. - 0.66%)
    $100,000
     
    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
  • 26
    LOCAL MONEY MARKET
    ADVANTAGE
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    0.23x (National Avg. - 0.66%)
    $10,000
     
    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
  • 27
    LOCAL CD
    Rondout Savings Bank
    0.80%
    -
    $50,000
    24 Month
    Bank
    1.21x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 28
    LOCAL CD
    The Berkshire Bank
    0.35%
    -
    $50,000
    24 Month
    Bank
    0.53x (National Avg. - 0.66%)
    $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
  • 29
    LOCAL CD
    PEOPLE'S ALLIANCE
    0.81%
    -
    $50,000
    18 Month
    Credit Union
    1.40x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.81%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 405 284
    2 50,405 408 286
    3 50,813 412 288
    4 51,225 415 290
    5 51,640 418 293
    6 52,058 422 295
    7 52,480 425 298
    8 52,905 429 300
    9 53,333 432 302
    10 53,765 435 305
    11 54,201 439 307
    12 54,640 443 310
    13 55,082 446 312
    14 55,529 450 315
    15 55,978 453 317
    16 56,432 457 320
    17 56,889 461 323
    18 57,350 465 325
    19 57,814 468 328
    20 58,283 472 330
    TOTAL $8,755 $6,128
  • 30
    LOCAL CD
    Welch State Bank of Welch, Okla.
    0.35%
    -
    $50,000
    24 Month
    Bank
    0.53x (National Avg. - 0.66%)
    $100,000
     
    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
  • 31
    LOCAL CD
    SOUTHWEST OKLAHOMA
    0.35%
    -
    $50,000
    24 Month
    Credit Union
    0.53x (National Avg. - 0.66%)
    $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
  • 32
    LOCAL CD
    SOUTHWEST OKLAHOMA
    0.75%
    -
    $50,000
    24 Month
    Credit Union
    1.14x (National Avg. - 0.66%)
    $100,000
     
    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
  • 33
    LOCAL CD
    UPSTATE
    1.05%
    -
    $50,000
    24 Month
    Credit Union
    1.59x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    1.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 525 368
    2 50,525 531 371
    3 51,056 536 375
    4 51,592 542 379
    5 52,133 547 383
    6 52,681 553 387
    7 53,234 559 391
    8 53,793 565 395
    9 54,358 571 400
    10 54,928 577 404
    11 55,505 583 408
    12 56,088 589 412
    13 56,677 595 417
    14 57,272 601 421
    15 57,873 608 425
    16 58,481 614 430
    17 59,095 620 434
    18 59,716 627 439
    19 60,343 634 444
    20 60,976 640 448
    TOTAL $11,616 $8,131
  • 34
    LOCAL MONEY MARKET
    LIFE
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.15x (National Avg. - 0.66%)
    $2,500
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 35
    LOCAL CD
    Union Bank
    0.90%
    -
    $50,000
    24 Month
    Bank
    1.36x (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
  • 36
    LOCAL CD
    ALCOA TENN
    0.50%
    -
    $50,000
    12 Month
    Credit Union
    0.91x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 37
    LOCAL MONEY MARKET
    ALCOA TENN
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.18x (National Avg. - 0.55%)
    $2,500
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 38
    LOCAL CD
    TEXAS TRUST
    4.70%
    -
    $50,000
    12 Month
    Credit Union
    8.53x (National Avg. - 0.55%)
    $50,000
     
    SCENARIO
    Year Rate
    4.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,350 1,645
    2 52,350 2,460 1,722
    3 54,810 2,576 1,803
    4 57,387 2,697 1,888
    5 60,084 2,824 1,977
    6 62,908 2,957 2,070
    7 65,864 3,096 2,167
    8 68,960 3,241 2,269
    9 72,201 3,393 2,375
    10 75,594 3,553 2,487
    11 79,147 3,720 2,604
    12 82,867 3,895 2,726
    13 86,762 4,078 2,854
    14 90,840 4,269 2,989
    15 95,109 4,470 3,129
    16 99,580 4,680 3,276
    17 104,260 4,900 3,430
    18 109,160 5,131 3,591
    19 114,291 5,372 3,760
    20 119,662 5,624 3,937
    TOTAL $75,286 $52,700
  • 39
    LOCAL MONEY MARKET
    CENTEX CITIZENS
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.18x (National Avg. - 0.55%)
    $25,000
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 40
    LOCAL MONEY MARKET
    TEXAS BAY
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.09x (National Avg. - 0.55%)
    $25,000
     
    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
  • 41
    LOCAL CD
    TEX MEX
    0.50%
    -
    $50,000
    12 Month
    Credit Union
    0.91x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 251 175
    2 50,251 252 176
    3 50,502 253 177
    4 50,755 254 178
    5 51,010 256 179
    6 51,265 257 180
    7 51,522 258 181
    8 51,780 259 182
    9 52,039 261 183
    10 52,300 262 183
    11 52,562 263 184
    12 52,826 265 185
    13 53,090 266 186
    14 53,356 267 187
    15 53,624 269 188
    16 53,892 270 189
    17 54,162 271 190
    18 54,434 273 191
    19 54,706 274 192
    20 54,980 275 193
    TOTAL $5,256 $3,679
  • 42
    LOCAL CD
    VERITY
    0.30%
    -
    $50,000
    6 Month
    Credit Union
    0.74x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 43
    LOCAL CD
    STAR OF TEXAS
    0.80%
    -
    $50,000
    3 Month
    Credit Union
    0.36x (National Avg. - 2.19%)
    $1,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 44
    LOCAL MONEY MARKET
    SUFFOLK
    0.75%
    -
    $50,000
    N.A.
    Credit Union
    0.34x (National Avg. - 2.19%)
    $250,000
     
    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
  • 45
    LOCAL MONEY MARKET
    SAFEAMERICA
    3.10%
    -
    $50,000
    N.A.
    Credit Union
    1.41x (National Avg. - 2.19%)
    $0
     
    SCENARIO
    Year Rate
    3.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,550 1,085
    2 51,550 1,598 1,119
    3 53,148 1,648 1,153
    4 54,796 1,699 1,189
    5 56,494 1,751 1,226
    6 58,246 1,806 1,264
    7 60,051 1,862 1,303
    8 61,913 1,919 1,344
    9 63,832 1,979 1,385
    10 65,811 2,040 1,428
    11 67,851 2,103 1,472
    12 69,954 2,169 1,518
    13 72,123 2,236 1,565
    14 74,359 2,305 1,614
    15 76,664 2,377 1,664
    16 79,041 2,450 1,715
    17 81,491 2,526 1,768
    18 84,017 2,605 1,823
    19 86,622 2,685 1,880
    20 89,307 2,769 1,938
    TOTAL $42,075 $29,453
  • 46
    LOCAL CD
    Fidelity Co-operative Bank
    3.75%
    -
    $50,000
    19 Month
    Bank
    N.A.
    $500
     
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085
  • 47
    LOCAL CD
    Marquette Savings Bank
    3.44%
    -
    $50,000
    61 Month
    Bank
    N.A.
    $500
     
    SCENARIO
    Year Rate
    3.44%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,720 1,204
    2 51,720 1,779 1,245
    3 53,499 1,840 1,288
    4 55,340 1,904 1,333
    5 57,243 1,969 1,378
    6 59,212 2,037 1,426
    7 61,249 2,107 1,475
    8 63,356 2,179 1,526
    9 65,536 2,254 1,578
    10 67,790 2,332 1,632
    11 70,122 2,412 1,689
    12 72,534 2,495 1,747
    13 75,030 2,581 1,807
    14 77,611 2,670 1,869
    15 80,280 2,762 1,933
    16 83,042 2,857 2,000
    17 85,899 2,955 2,068
    18 88,854 3,057 2,140
    19 91,910 3,162 2,213
    20 95,072 3,270 2,289
    TOTAL $48,342 $33,840

    All calculations are for demonstration purposes only.

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