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Comparison of Deposit Account from MEMBERS CHOICE with 3.51% - April 2025


Long-Term Analysis of First National Bank of America with 3.83% APY and MEMBERS CHOICE with 3.51% 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
    First National Bank of America
    3.83%
    -
    $50,000
    60 Month
    Bank
    4.17x (National Avg. - 0.92%)
    $1,000
     
    SCENARIO
    Year Rate
    3.83%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,915 1,341
    2 51,915 1,988 1,392
    3 53,903 2,064 1,445
    4 55,968 2,144 1,500
    5 58,111 2,226 1,558
    6 60,337 2,311 1,618
    7 62,648 2,399 1,680
    8 65,047 2,491 1,744
    9 67,539 2,587 1,811
    10 70,125 2,686 1,880
    11 72,811 2,789 1,952
    12 75,600 2,895 2,027
    13 78,495 3,006 2,104
    14 81,502 3,122 2,185
    15 84,623 3,241 2,269
    16 87,864 3,365 2,356
    17 91,230 3,494 2,446
    18 94,724 3,628 2,540
    19 98,352 3,767 2,637
    20 102,118 3,911 2,738
    TOTAL $56,030 $39,221
  • 2
    LOCAL CD
    MEMBERS CHOICE
    3.51%
    -
    $50,000
    48 Month
    Credit Union
    4.30x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    3.51%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,755 1,229
    2 51,755 1,817 1,272
    3 53,572 1,880 1,316
    4 55,452 1,946 1,362
    5 57,398 2,015 1,410
    6 59,413 2,085 1,460
    7 61,498 2,159 1,511
    8 63,657 2,234 1,564
    9 65,891 2,313 1,619
    10 68,204 2,394 1,676
    11 70,598 2,478 1,735
    12 73,076 2,565 1,795
    13 75,641 2,655 1,859
    14 78,296 2,748 1,924
    15 81,044 2,845 1,991
    16 83,889 2,945 2,061
    17 86,833 3,048 2,133
    18 89,881 3,155 2,208
    19 93,036 3,266 2,286
    20 96,302 3,380 2,366
    TOTAL $49,682 $34,777

    All calculations are for demonstration purposes only.

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