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Comparison of Deposit Account from Hiawatha National Bank with 2.78% - April 2025


Long-Term Analysis of SOUTH DIVISION with 0.20% APY and Hiawatha National Bank with 2.78% APY and BROADVIEW with 3.50% 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
    SOUTH DIVISION
    0.20%
    -
    $50,000
    12 Month
    Credit Union
    0.36x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 2
    LOCAL MONEY MARKET
    Hiawatha National Bank
    2.78%
    -
    $50,000
    N.A.
    Bank
    5.05x (National Avg. - 0.55%)
    $1,000,000
     
    SCENARIO
    Year Rate
    2.78%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,390 973
    2 51,390 1,429 1,000
    3 52,819 1,468 1,028
    4 54,287 1,509 1,056
    5 55,796 1,551 1,086
    6 57,347 1,594 1,116
    7 58,942 1,639 1,147
    8 60,580 1,684 1,179
    9 62,264 1,731 1,212
    10 63,995 1,779 1,245
    11 65,774 1,829 1,280
    12 67,603 1,879 1,316
    13 69,482 1,932 1,352
    14 71,414 1,985 1,390
    15 73,399 2,040 1,428
    16 75,440 2,097 1,468
    17 77,537 2,156 1,509
    18 79,692 2,215 1,551
    19 81,908 2,277 1,594
    20 84,185 2,340 1,638
    TOTAL $36,525 $25,568
  • 3
    LOCAL CD
    BROADVIEW
    3.50%
    -
    $50,000
    23 Month
    Credit Union
    N.A.
    $500
     
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643

    All calculations are for demonstration purposes only.

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