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Comparison of Deposit Account from HAPO COMMUNITY with 0.95% - March 2025


Long-Term Analysis of The Port Austin State Bank with 0.05% APY and The First National Bank of Dennison with 0.14% APY and RIVERMARK COMMUNITY with 0.10% APY and HAPO COMMUNITY with 0.95% 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 SAVINGS
    The Port Austin State Bank
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.22x (National Avg. - 0.23%)
    $1
     
    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
  • 2
    LOCAL CD
    The First National Bank of Dennison
    0.14%
    -
    $50,000
    6 Month
    Bank
    0.34x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.14%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 70 49
    2 50,070 70 49
    3 50,140 70 49
    4 50,210 70 49
    5 50,281 70 49
    6 50,351 70 49
    7 50,421 71 49
    8 50,492 71 49
    9 50,563 71 50
    10 50,634 71 50
    11 50,704 71 50
    12 50,775 71 50
    13 50,846 71 50
    14 50,918 71 50
    15 50,989 71 50
    16 51,060 71 50
    17 51,132 72 50
    18 51,203 72 50
    19 51,275 72 50
    20 51,347 72 50
    TOTAL $1,419 $993
  • 3
    LOCAL MONEY MARKET
    RIVERMARK COMMUNITY
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.25x (National Avg. - 0.41%)
    $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
  • 4
    LOCAL CD
    HAPO COMMUNITY
    0.95%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $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

    All calculations are for demonstration purposes only.

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