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Comparison of Deposit Account from Home Savings Bank with 1.05% - April 2025

Long-Term Analysis of THE UNITED with 1.10% APY and Heritage Community Bank with 0.46% APY and Home Savings Bank with 1.05% APY and CHEVRON with 3.40% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

THE UNITED

1.10%

$50,000

60 Month

Credit Union

1.20x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	550	385
2	50,550	556	389
3	51,106	562	394
4	51,668	568	398
5	52,237	575	402
6	52,811	581	407
7	53,392	587	411
8	53,979	594	416
9	54,573	600	420
10	55,173	607	425
11	55,780	614	430
12	56,394	620	434
13	57,014	627	439
14	57,641	634	444
15	58,276	641	449
16	58,917	648	454
17	59,565	655	459
18	60,220	662	464
19	60,882	670	469
20	61,552	677	474
	TOTAL	$12,229	$8,560

LOCAL CD

Heritage Community Bank

0.46%

$50,000

18 Month

Bank

0.79x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.46%	Annual Interest	Annual Interest (After Tax)
1	50,000	230	161
2	50,230	231	162
3	50,461	232	162
4	50,693	233	163
5	50,926	234	164
6	51,161	235	165
7	51,396	236	165
8	51,632	238	166
9	51,870	239	167
10	52,108	240	168
11	52,348	241	169
12	52,589	242	169
13	52,831	243	170
14	53,074	244	171
15	53,318	245	172
16	53,563	246	172
17	53,810	248	173
18	54,057	249	174
19	54,306	250	175
20	54,556	251	176
	TOTAL	$4,807	$3,365

LOCAL CD

Home Savings Bank

1.05%

$50,000

60 Month

Bank

1.14x (National Avg. - 0.92%)

$10,000

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

LOCAL MONEY MARKET

CHEVRON

3.40%

$50,000

N.A.

Credit Union

3.70x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 3.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,700	1,190
2	51,700	1,758	1,230
3	53,458	1,818	1,272
4	55,275	1,879	1,316
5	57,155	1,943	1,360
6	59,098	2,009	1,407
7	61,107	2,078	1,454
8	63,185	2,148	1,504
9	65,333	2,221	1,555
10	67,555	2,297	1,608
11	69,851	2,375	1,662
12	72,226	2,456	1,719
13	74,682	2,539	1,777
14	77,221	2,626	1,838
15	79,847	2,715	1,900
16	82,562	2,807	1,965
17	85,369	2,903	2,032
18	88,271	3,001	2,101
19	91,272	3,103	2,172
20	94,376	3,209	2,246
	TOTAL	$47,584	$33,309

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
My e-Banc, a division of Bradesco BAC Florida Bank	4.55%	$50,000	Learn More
Last change: ↓0.10% on February 9. 6 Month Jumbo CD.
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Bread Savings, a division of Bread Financial	4.50%	$1,500	Learn More
Last change: ↓0.15% on January 25.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.

Compare Savings vs. CDs Comparison of Deposit Account from Home Savings Bank with 1.05% - April 2025

Long-Term Analysis of THE UNITED with 1.10% APY and Heritage Community Bank with 0.46% APY and Home Savings Bank with 1.05% APY and CHEVRON with 3.40% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Home Savings Bank with 1.05% - April 2025