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Comparison of Deposit Account from Montrose Savings Bank with 1.11% - April 2025


Long-Term Analysis of Montrose Savings Bank with 1.11% APY and HERITAGE SOUTH with 0.86% APY and Home Bank of Arkansas with 0.95% APY and Home Bank of Arkansas with 0.20% APY and CTBC Bank Corp. (USA) with 0.50% APY and Neighborhood National Bank with 0.50% APY and Grand Valley Bank with 0.70% APY and BANK FUND STAFF with 1.15% APY and Templeton Savings Bank with 1.05% APY and F&M Bank with 0.15% APY and Ireland Bank with 0.39% APY and American Metro Bank with 0.40% APY and MONEY ONE with 0.88% APY and Chelsea State Bank with 0.40% APY and Chelsea State Bank with 0.10% APY and New Republic Savings Bank with 0.72% APY and CHEEKTOWAGA COMMUNITY with 1.11% APY and The Delaware National Bank of Delhi with 0.80% APY and EATON FAMILY with 0.71% APY and Peoples Savings and Loan Company with 0.10% APY and The Peoples Savings Bank with 0.75% APY and WESTERN SUN with 0.80% APY and LEADERS CREDIT UNION with 0.80% APY and UNITED SOUTHEAST with 0.30% APY and UNITED with 0.35% APY and INVESTEX with 4.33% APY and HOUSTON TEXAS FIRE FIGHTERS with 1.41% APY and PARTNERS FINANCIAL with 1.41% APY and NEW ENGLAND with 5.12% APY and Westfield Bank, FSB with 3.44% APY and PELICAN STATE with 4.49% APY and North Easton Savings Bank with 3.04% 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
    Montrose Savings Bank
    1.11%
    -
    $50,000
    24 Month
    Bank
    1.68x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    1.11%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 555 389
    2 50,555 561 393
    3 51,116 567 397
    4 51,684 574 402
    5 52,257 580 406
    6 52,837 586 411
    7 53,424 593 415
    8 54,017 600 420
    9 54,616 606 424
    10 55,223 613 429
    11 55,836 620 434
    12 56,455 627 439
    13 57,082 634 444
    14 57,716 641 448
    15 58,356 648 453
    16 59,004 655 458
    17 59,659 662 464
    18 60,321 670 469
    19 60,991 677 474
    20 61,668 685 479
    TOTAL $12,352 $8,647
  • 2
    LOCAL CD
    HERITAGE SOUTH
    0.86%
    -
    $50,000
    24 Month
    Credit Union
    1.30x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.86%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 430 301
    2 50,430 434 304
    3 50,864 437 306
    4 51,301 441 309
    5 51,742 445 311
    6 52,187 449 314
    7 52,636 453 317
    8 53,089 457 320
    9 53,545 460 322
    10 54,006 464 325
    11 54,470 468 328
    12 54,939 472 331
    13 55,411 477 334
    14 55,888 481 336
    15 56,368 485 339
    16 56,853 489 342
    17 57,342 493 345
    18 57,835 497 348
    19 58,333 502 351
    20 58,834 506 354
    TOTAL $9,340 $6,538
  • 3
    LOCAL CD
    Home Bank of Arkansas
    0.95%
    -
    $50,000
    6 Month
    Bank
    2.33x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 473 331
    2 50,473 477 334
    3 50,950 482 337
    4 51,432 487 341
    5 51,919 491 344
    6 52,410 496 347
    7 52,906 500 350
    8 53,406 505 354
    9 53,912 510 357
    10 54,422 515 360
    11 54,937 520 364
    12 55,456 525 367
    13 55,981 530 371
    14 56,510 535 374
    15 57,045 540 378
    16 57,585 545 381
    17 58,129 550 385
    18 58,679 555 389
    19 59,234 560 392
    20 59,795 566 396
    TOTAL $10,360 $7,252
  • 4
    LOCAL MONEY MARKET
    Home Bank of Arkansas
    0.20%
    -
    $50,000
    N.A.
    Bank
    0.49x (National Avg. - 0.41%)
    $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
  • 5
    LOCAL CD
    CTBC Bank Corp. (USA)
    0.50%
    -
    $50,000
    24 Month
    Bank
    0.76x (National Avg. - 0.66%)
    $5,000
     
    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
  • 6
    LOCAL CD
    Neighborhood National Bank
    0.50%
    -
    $50,000
    24 Month
    Bank
    0.76x (National Avg. - 0.66%)
    $100,000
     
    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
  • 7
    LOCAL CD
    Grand Valley Bank
    0.70%
    -
    $50,000
    48 Month
    Bank
    0.86x (National Avg. - 0.82%)
    $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
  • 8
    LOCAL MONEY MARKET
    BANK FUND STAFF
    1.15%
    -
    $50,000
    N.A.
    Credit Union
    1.41x (National Avg. - 0.82%)
    $25,000
     
    SCENARIO
    Year Rate
    1.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 575 403
    2 50,575 582 407
    3 51,157 588 412
    4 51,745 595 417
    5 52,340 602 421
    6 52,942 609 426
    7 53,551 616 431
    8 54,167 623 436
    9 54,789 630 441
    10 55,420 637 446
    11 56,057 645 451
    12 56,702 652 456
    13 57,354 660 462
    14 58,013 667 467
    15 58,680 675 472
    16 59,355 683 478
    17 60,038 690 483
    18 60,728 698 489
    19 61,427 706 494
    20 62,133 715 500
    TOTAL $12,847 $8,993
  • 9
    LOCAL CD
    Templeton Savings Bank
    1.05%
    -
    $50,000
    48 Month
    Bank
    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
  • 10
    LOCAL MONEY MARKET
    F&M Bank
    0.15%
    -
    $50,000
    N.A.
    Bank
    0.18x (National Avg. - 0.82%)
    $25,000
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 11
    LOCAL CD
    Ireland Bank
    0.39%
    -
    $50,000
    24 Month
    Bank
    0.59x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.39%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 195 137
    2 50,195 196 137
    3 50,391 197 138
    4 50,587 197 138
    5 50,785 198 139
    6 50,983 199 139
    7 51,181 200 140
    8 51,381 200 140
    9 51,581 201 141
    10 51,783 202 141
    11 51,985 203 142
    12 52,187 204 142
    13 52,391 204 143
    14 52,595 205 144
    15 52,800 206 144
    16 53,006 207 145
    17 53,213 208 145
    18 53,420 208 146
    19 53,629 209 146
    20 53,838 210 147
    TOTAL $4,048 $2,834
  • 12
    LOCAL MONEY MARKET
    American Metro Bank
    0.40%
    -
    $50,000
    N.A.
    Bank
    0.61x (National Avg. - 0.66%)
    $25,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 13
    LOCAL CD
    MONEY ONE
    0.88%
    -
    $50,000
    60 Month
    Credit Union
    0.96x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.88%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 440 308
    2 50,440 444 311
    3 50,884 448 313
    4 51,332 452 316
    5 51,783 456 319
    6 52,239 460 322
    7 52,699 464 325
    8 53,163 468 327
    9 53,630 472 330
    10 54,102 476 333
    11 54,578 480 336
    12 55,059 485 339
    13 55,543 489 342
    14 56,032 493 345
    15 56,525 497 348
    16 57,022 502 351
    17 57,524 506 354
    18 58,030 511 357
    19 58,541 515 361
    20 59,056 520 364
    TOTAL $9,576 $6,703
  • 14
    LOCAL CD
    Chelsea State Bank
    0.40%
    -
    $50,000
    48 Month
    Bank
    0.49x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 15
    LOCAL CD
    Chelsea State Bank
    0.10%
    -
    $50,000
    6 Month
    Bank
    0.25x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 16
    LOCAL CD
    New Republic Savings Bank
    0.72%
    -
    $50,000
    24 Month
    Bank
    1.09x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.72%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 360 252
    2 50,360 363 254
    3 50,723 365 256
    4 51,088 368 257
    5 51,456 370 259
    6 51,826 373 261
    7 52,199 376 263
    8 52,575 379 265
    9 52,954 381 267
    10 53,335 384 269
    11 53,719 387 271
    12 54,106 390 273
    13 54,495 392 275
    14 54,888 395 277
    15 55,283 398 279
    16 55,681 401 281
    17 56,082 404 283
    18 56,486 407 285
    19 56,892 410 287
    20 57,302 413 289
    TOTAL $7,714 $5,400
  • 17
    LOCAL CD
    CHEEKTOWAGA COMMUNITY
    1.11%
    -
    $50,000
    48 Month
    Credit Union
    1.36x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.11%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 555 389
    2 50,555 561 393
    3 51,116 567 397
    4 51,684 574 402
    5 52,257 580 406
    6 52,837 586 411
    7 53,424 593 415
    8 54,017 600 420
    9 54,616 606 424
    10 55,223 613 429
    11 55,836 620 434
    12 56,455 627 439
    13 57,082 634 444
    14 57,716 641 448
    15 58,356 648 453
    16 59,004 655 458
    17 59,659 662 464
    18 60,321 670 469
    19 60,991 677 474
    20 61,668 685 479
    TOTAL $12,352 $8,647
  • 18
    LOCAL CD
    The Delaware National Bank of Delhi
    0.80%
    -
    $50,000
    24 Month
    Bank
    1.21x (National Avg. - 0.66%)
    $10,000
     
    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
  • 19
    LOCAL CD
    EATON FAMILY
    0.71%
    -
    $50,000
    48 Month
    Credit Union
    0.87x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.71%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 355 249
    2 50,355 358 250
    3 50,713 360 252
    4 51,073 363 254
    5 51,435 365 256
    6 51,800 368 257
    7 52,168 370 259
    8 52,539 373 261
    9 52,912 376 263
    10 53,287 378 265
    11 53,666 381 267
    12 54,047 384 269
    13 54,430 386 271
    14 54,817 389 272
    15 55,206 392 274
    16 55,598 395 276
    17 55,993 398 278
    18 56,390 400 280
    19 56,791 403 282
    20 57,194 406 284
    TOTAL $7,600 $5,320
  • 20
    LOCAL SAVINGS
    Peoples Savings and Loan Company
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.44x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 21
    LOCAL CD
    The Peoples Savings Bank
    0.75%
    -
    $50,000
    24 Month
    Bank
    1.14x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 22
    LOCAL CD
    WESTERN SUN
    0.80%
    -
    $50,000
    12 Month
    Credit Union
    1.45x (National Avg. - 0.55%)
    $10,000
     
    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
  • 23
    LOCAL CD
    LEADERS CREDIT UNION
    0.80%
    -
    $50,000
    60 Month
    Credit Union
    0.87x (National Avg. - 0.92%)
    $10,000
     
    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
  • 24
    LOCAL MONEY MARKET
    UNITED SOUTHEAST
    0.30%
    -
    $50,000
    N.A.
    Credit Union
    0.33x (National Avg. - 0.92%)
    $10,000
     
    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
  • 25
    LOCAL CD
    UNITED
    0.35%
    -
    $50,000
    12 Month
    Credit Union
    0.63x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 26
    LOCAL CD
    INVESTEX
    4.33%
    -
    $50,000
    18 Month
    Credit Union
    7.47x (National Avg. - 0.58%)
    $1,000
     
    SCENARIO
    Year Rate
    4.33%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,165 1,516
    2 52,165 2,259 1,581
    3 54,424 2,357 1,650
    4 56,780 2,459 1,721
    5 59,239 2,565 1,796
    6 61,804 2,676 1,873
    7 64,480 2,792 1,954
    8 67,272 2,913 2,039
    9 70,185 3,039 2,127
    10 73,224 3,171 2,219
    11 76,394 3,308 2,316
    12 79,702 3,451 2,416
    13 83,153 3,601 2,520
    14 86,754 3,756 2,630
    15 90,510 3,919 2,743
    16 94,430 4,089 2,862
    17 98,518 4,266 2,986
    18 102,784 4,451 3,115
    19 107,235 4,643 3,250
    20 111,878 4,844 3,391
    TOTAL $66,722 $46,706
  • 27
    LOCAL CD
    HOUSTON TEXAS FIRE FIGHTERS
    1.41%
    -
    $50,000
    48 Month
    Credit Union
    1.73x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.41%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 705 494
    2 50,705 715 500
    3 51,420 725 508
    4 52,145 735 515
    5 52,880 746 522
    6 53,626 756 529
    7 54,382 767 537
    8 55,149 778 544
    9 55,926 789 552
    10 56,715 800 560
    11 57,515 811 568
    12 58,326 822 576
    13 59,148 834 584
    14 59,982 846 592
    15 60,828 858 600
    16 61,685 870 609
    17 62,555 882 617
    18 63,437 894 626
    19 64,332 907 635
    20 65,239 920 644
    TOTAL $16,159 $11,311
  • 28
    LOCAL CD
    PARTNERS FINANCIAL
    1.41%
    -
    $50,000
    60 Month
    Credit Union
    1.54x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.41%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 705 494
    2 50,705 715 500
    3 51,420 725 508
    4 52,145 735 515
    5 52,880 746 522
    6 53,626 756 529
    7 54,382 767 537
    8 55,149 778 544
    9 55,926 789 552
    10 56,715 800 560
    11 57,515 811 568
    12 58,326 822 576
    13 59,148 834 584
    14 59,982 846 592
    15 60,828 858 600
    16 61,685 870 609
    17 62,555 882 617
    18 63,437 894 626
    19 64,332 907 635
    20 65,239 920 644
    TOTAL $16,159 $11,311
  • 29
    LOCAL CD
    NEW ENGLAND
    5.12%
    -
    $50,000
    9 Month
    Credit Union
    N.A.
    $500
     
    SCENARIO
    Year Rate
    5.12%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,560 1,792
    2 52,560 2,691 1,884
    3 55,251 2,829 1,980
    4 58,080 2,974 2,082
    5 61,054 3,126 2,188
    6 64,180 3,286 2,300
    7 67,466 3,454 2,418
    8 70,920 3,631 2,542
    9 74,551 3,817 2,672
    10 78,368 4,012 2,809
    11 82,380 4,218 2,953
    12 86,598 4,434 3,104
    13 91,032 4,661 3,263
    14 95,693 4,899 3,430
    15 100,592 5,150 3,605
    16 105,743 5,414 3,790
    17 111,157 5,691 3,984
    18 116,848 5,983 4,188
    19 122,831 6,289 4,402
    20 129,119 6,611 4,628
    TOTAL $85,730 $60,011
  • 30
    LOCAL CD
    Westfield Bank, FSB
    3.44%
    -
    $50,000
    23 Month
    Bank
    N.A.
    $2,500
     
    SCENARIO
    Year Rate
    3.44%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,720 1,204
    2 51,720 1,779 1,245
    3 53,499 1,840 1,288
    4 55,340 1,904 1,333
    5 57,243 1,969 1,378
    6 59,212 2,037 1,426
    7 61,249 2,107 1,475
    8 63,356 2,179 1,526
    9 65,536 2,254 1,578
    10 67,790 2,332 1,632
    11 70,122 2,412 1,689
    12 72,534 2,495 1,747
    13 75,030 2,581 1,807
    14 77,611 2,670 1,869
    15 80,280 2,762 1,933
    16 83,042 2,857 2,000
    17 85,899 2,955 2,068
    18 88,854 3,057 2,140
    19 91,910 3,162 2,213
    20 95,072 3,270 2,289
    TOTAL $48,342 $33,840
  • 31
    LOCAL CD
    PELICAN STATE
    4.49%
    -
    $50,000
    8 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    4.49%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,245 1,572
    2 52,245 2,346 1,642
    3 54,591 2,451 1,716
    4 57,042 2,561 1,793
    5 59,603 2,676 1,873
    6 62,279 2,796 1,957
    7 65,076 2,922 2,045
    8 67,998 3,053 2,137
    9 71,051 3,190 2,233
    10 74,241 3,333 2,333
    11 77,574 3,483 2,438
    12 81,057 3,639 2,548
    13 84,697 3,803 2,662
    14 88,500 3,974 2,782
    15 92,473 4,152 2,906
    16 96,625 4,338 3,037
    17 100,964 4,533 3,173
    18 105,497 4,737 3,316
    19 110,234 4,950 3,465
    20 115,183 5,172 3,620
    TOTAL $70,355 $49,249
  • 32
    LOCAL MONEY MARKET
    North Easton Savings Bank
    3.04%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $10
     
    SCENARIO
    Year Rate
    3.04%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,520 1,064
    2 51,520 1,566 1,096
    3 53,086 1,614 1,130
    4 54,700 1,663 1,164
    5 56,363 1,713 1,199
    6 58,076 1,766 1,236
    7 59,842 1,819 1,273
    8 61,661 1,874 1,312
    9 63,536 1,931 1,352
    10 65,467 1,990 1,393
    11 67,457 2,051 1,435
    12 69,508 2,113 1,479
    13 71,621 2,177 1,524
    14 73,798 2,243 1,570
    15 76,042 2,312 1,618
    16 78,353 2,382 1,667
    17 80,735 2,454 1,718
    18 83,190 2,529 1,770
    19 85,719 2,606 1,824
    20 88,324 2,685 1,880
    TOTAL $41,010 $28,707

    All calculations are for demonstration purposes only.

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