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Comparison of Deposit Account from IMPACT CREDIT UNION, INC. with 0.60% - March 2025


Long-Term Analysis of Commerce Community Bank with 0.30% APY and IMPACT CREDIT UNION, INC. with 0.60% APY and LAKE COUNTY EDUCATIONAL with 0.18% 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
    Commerce Community Bank
    0.30%
    -
    $50,000
    N.A.
    Bank
    1.33x (National Avg. - 0.23%)
    $2,500
     
    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
  • 2
    LOCAL CD
    IMPACT CREDIT UNION, INC.
    0.60%
    -
    $50,000
    18 Month
    Credit Union
    1.03x (National Avg. - 0.58%)
    $10,000
     
    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
  • 3
    LOCAL MONEY MARKET
    LAKE COUNTY EDUCATIONAL
    0.18%
    -
    $50,000
    N.A.
    Credit Union
    0.30x (National Avg. - 0.58%)
    $25,000
     
    SCENARIO
    Year Rate
    0.18%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 88 61
    2 50,088 88 61
    3 50,175 88 61
    4 50,263 88 62
    5 50,351 88 62
    6 50,439 88 62
    7 50,527 88 62
    8 50,616 89 62
    9 50,704 89 62
    10 50,793 89 62
    11 50,882 89 62
    12 50,971 89 62
    13 51,060 89 63
    14 51,150 90 63
    15 51,239 90 63
    16 51,329 90 63
    17 51,419 90 63
    18 51,509 90 63
    19 51,599 90 63
    20 51,689 90 63
    TOTAL $1,779 $1,246

    All calculations are for demonstration purposes only.

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