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Comparison of Deposit Account from MAX with 0.80% - April 2025


Long-Term Analysis of TVA COMMUNITY CREDIT UNION with 0.65% APY and MAX with 0.80% APY and BATON ROUGE TELCO with 0.20% APY and BUILDING TRADES with 0.89% APY and SCE with 0.80% APY and GECU with 3.46% 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
    TVA COMMUNITY CREDIT UNION
    0.65%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $500
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842
  • 2
    LOCAL CD
    MAX
    0.80%
    -
    $50,000
    48 Month
    Credit Union
    0.98x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 3
    LOCAL MONEY MARKET
    BATON ROUGE TELCO
    0.20%
    -
    $50,000
    N.A.
    Credit Union
    0.25x (National Avg. - 0.82%)
    $25,000
     
    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
  • 4
    LOCAL CD
    BUILDING TRADES
    0.89%
    -
    $50,000
    36 Month
    Credit Union
    1.18x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.89%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 445 312
    2 50,445 449 314
    3 50,894 453 317
    4 51,347 457 320
    5 51,804 461 323
    6 52,265 465 326
    7 52,730 469 329
    8 53,199 473 331
    9 53,673 478 334
    10 54,151 482 337
    11 54,633 486 340
    12 55,119 491 343
    13 55,609 495 346
    14 56,104 499 350
    15 56,604 504 353
    16 57,107 508 356
    17 57,616 513 359
    18 58,128 517 362
    19 58,646 522 365
    20 59,168 527 369
    TOTAL $9,694 $6,786
  • 5
    LOCAL CD
    SCE
    0.80%
    -
    $50,000
    24 Month
    Credit Union
    1.21x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 6
    LOCAL CD
    GECU
    3.46%
    -
    $50,000
    36 Month
    Credit Union
    4.59x (National Avg. - 0.75%)
    $1,000
     
    SCENARIO
    Year Rate
    3.46%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,730 1,211
    2 51,730 1,790 1,253
    3 53,520 1,852 1,296
    4 55,372 1,916 1,341
    5 57,288 1,982 1,388
    6 59,270 2,051 1,436
    7 61,320 2,122 1,485
    8 63,442 2,195 1,537
    9 65,637 2,271 1,590
    10 67,908 2,350 1,645
    11 70,258 2,431 1,702
    12 72,689 2,515 1,761
    13 75,204 2,602 1,821
    14 77,806 2,692 1,884
    15 80,498 2,785 1,950
    16 83,283 2,882 2,017
    17 86,165 2,981 2,087
    18 89,146 3,084 2,159
    19 92,230 3,191 2,234
    20 95,422 3,302 2,311
    TOTAL $48,723 $34,106

    All calculations are for demonstration purposes only.

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