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Comparison of Deposit Account from JOLT with 1.36% - April 2025


Long-Term Analysis of SIGNAL FINANCIAL with 0.85% APY and SIGNAL FINANCIAL with 0.96% APY and JOLT with 1.36% APY and JOLT with 1.46% APY and MUTUAL with 0.70% APY and RELIANT COMMUNITY with 1.00% APY and SPERRY ASSOCIATES with 1.05% APY and Guaranty Bank & Trust, N.A. with 0.50% APY and IDAHO CENTRAL with 0.30% 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
    SIGNAL FINANCIAL
    0.85%
    -
    $50,000
    24 Month
    Credit Union
    1.29x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456
  • 2
    LOCAL CD
    SIGNAL FINANCIAL
    0.96%
    -
    $50,000
    36 Month
    Credit Union
    1.27x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.96%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 480 336
    2 50,480 485 339
    3 50,965 489 342
    4 51,454 494 346
    5 51,948 499 349
    6 52,447 503 352
    7 52,950 508 356
    8 53,458 513 359
    9 53,972 518 363
    10 54,490 523 366
    11 55,013 528 370
    12 55,541 533 373
    13 56,074 538 377
    14 56,612 543 380
    15 57,156 549 384
    16 57,705 554 388
    17 58,259 559 391
    18 58,818 565 395
    19 59,382 570 399
    20 59,953 576 403
    TOTAL $10,528 $7,370
  • 3
    LOCAL CD
    JOLT
    1.36%
    -
    $50,000
    36 Month
    Credit Union
    1.80x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.36%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 680 476
    2 50,680 689 482
    3 51,369 699 489
    4 52,068 708 496
    5 52,776 718 502
    6 53,494 728 509
    7 54,221 737 516
    8 54,959 747 523
    9 55,706 758 530
    10 56,464 768 538
    11 57,232 778 545
    12 58,010 789 552
    13 58,799 800 560
    14 59,599 811 567
    15 60,409 822 575
    16 61,231 833 583
    17 62,063 844 591
    18 62,907 856 599
    19 63,763 867 607
    20 64,630 879 615
    TOTAL $15,509 $10,856
  • 4
    LOCAL CD
    JOLT
    1.46%
    -
    $50,000
    48 Month
    Credit Union
    1.79x (National Avg. - 0.82%)
    $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
  • 5
    LOCAL CD
    MUTUAL
    0.70%
    -
    $50,000
    36 Month
    Credit Union
    0.93x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240
  • 6
    LOCAL CD
    RELIANT COMMUNITY
    1.00%
    -
    $50,000
    48 Month
    Credit Union
    1.23x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 500 350
    2 50,500 505 354
    3 51,005 510 357
    4 51,515 515 361
    5 52,030 520 364
    6 52,551 526 368
    7 53,076 531 372
    8 53,607 536 375
    9 54,143 541 379
    10 54,684 547 383
    11 55,231 552 387
    12 55,783 558 390
    13 56,341 563 394
    14 56,905 569 398
    15 57,474 575 402
    16 58,048 580 406
    17 58,629 586 410
    18 59,215 592 415
    19 59,807 598 419
    20 60,405 604 423
    TOTAL $11,010 $7,707
  • 7
    LOCAL CD
    SPERRY ASSOCIATES
    1.05%
    -
    $50,000
    48 Month
    Credit Union
    1.29x (National Avg. - 0.82%)
    $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
  • 8
    LOCAL CD
    Guaranty Bank & Trust, N.A.
    0.50%
    -
    $50,000
    18 Month
    Bank
    0.86x (National Avg. - 0.58%)
    $10,000
     
    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
  • 9
    LOCAL CD
    IDAHO CENTRAL
    0.30%
    -
    $50,000
    3 Month
    Credit Union
    0.14x (National Avg. - 2.20%)
    $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

    All calculations are for demonstration purposes only.

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