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Comparison of Deposit Account from MTC with 5.25% - April 2025


Long-Term Analysis of MTC with 4.32% APY and DEPARTMENT OF COMMERCE with 2.02% APY and TINKER with 4.01% APY and UNIVERSITY & COMMUNITY with 0.75% APY and MTC with 4.78% APY and MTC with 5.35% APY and MTC with 5.25% APY and MTC with 4.83% APY and MTC with 3.75% APY and WELLSPRING with 0.82% APY and DELTA COMMUNITY with 3.00% APY and Middlesex Federal Savings, F.A. with 0.40% APY and NEXTMARK with 1.80% 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
    MTC
    4.32%
    -
    $50,000
    36 Month
    Credit Union
    5.74x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    4.32%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,160 1,512
    2 52,160 2,253 1,577
    3 54,413 2,351 1,645
    4 56,764 2,452 1,717
    5 59,216 2,558 1,791
    6 61,774 2,669 1,868
    7 64,443 2,784 1,949
    8 67,227 2,904 2,033
    9 70,131 3,030 2,121
    10 73,161 3,161 2,212
    11 76,321 3,297 2,308
    12 79,618 3,440 2,408
    13 83,058 3,588 2,512
    14 86,646 3,743 2,620
    15 90,389 3,905 2,733
    16 94,294 4,073 2,851
    17 98,367 4,249 2,975
    18 102,617 4,433 3,103
    19 107,050 4,625 3,237
    20 111,674 4,824 3,377
    TOTAL $66,499 $46,549
  • 2
    LOCAL CD
    DEPARTMENT OF COMMERCE
    2.02%
    -
    $50,000
    48 Month
    Credit Union
    2.48x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    2.02%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,010 707
    2 51,010 1,030 721
    3 52,040 1,051 736
    4 53,092 1,072 751
    5 54,164 1,094 766
    6 55,258 1,116 781
    7 56,374 1,139 797
    8 57,513 1,162 813
    9 58,675 1,185 830
    10 59,860 1,209 846
    11 61,069 1,234 864
    12 62,303 1,259 881
    13 63,561 1,284 899
    14 64,845 1,310 917
    15 66,155 1,336 935
    16 67,492 1,363 954
    17 68,855 1,391 974
    18 70,246 1,419 993
    19 71,665 1,448 1,013
    20 73,112 1,477 1,034
    TOTAL $24,589 $17,212
  • 3
    LOCAL CD
    TINKER
    4.01%
    -
    $50,000
    6 Month
    Credit Union
    9.88x (National Avg. - 0.41%)
    $99,000
     
    SCENARIO
    Year Rate
    4.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,005 1,404
    2 52,005 2,085 1,460
    3 54,090 2,169 1,518
    4 56,259 2,256 1,579
    5 58,515 2,346 1,643
    6 60,862 2,441 1,708
    7 63,302 2,538 1,777
    8 65,841 2,640 1,848
    9 68,481 2,746 1,922
    10 71,227 2,856 1,999
    11 74,083 2,971 2,080
    12 77,054 3,090 2,163
    13 80,144 3,214 2,250
    14 83,358 3,343 2,340
    15 86,700 3,477 2,434
    16 90,177 3,616 2,531
    17 93,793 3,761 2,633
    18 97,554 3,912 2,738
    19 101,466 4,069 2,848
    20 105,535 4,232 2,962
    TOTAL $59,767 $41,837
  • 4
    LOCAL CD
    UNIVERSITY & COMMUNITY
    0.75%
    -
    $50,000
    6 Month
    Credit Union
    1.85x (National Avg. - 0.41%)
    $10,000
     
    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
  • 5
    LOCAL CD
    MTC
    4.78%
    -
    $50,000
    7 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    4.78%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,390 1,673
    2 52,390 2,504 1,753
    3 54,894 2,624 1,837
    4 57,518 2,749 1,925
    5 60,268 2,881 2,017
    6 63,148 3,018 2,113
    7 66,167 3,163 2,214
    8 69,330 3,314 2,320
    9 72,644 3,472 2,431
    10 76,116 3,638 2,547
    11 79,754 3,812 2,669
    12 83,567 3,994 2,796
    13 87,561 4,185 2,930
    14 91,746 4,385 3,070
    15 96,132 4,595 3,217
    16 100,727 4,815 3,370
    17 105,542 5,045 3,531
    18 110,587 5,286 3,700
    19 115,873 5,539 3,877
    20 121,411 5,803 4,062
    TOTAL $77,215 $54,050
  • 6
    LOCAL CD
    MTC
    5.35%
    -
    $50,000
    11 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    5.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,675 1,873
    2 52,675 2,818 1,973
    3 55,493 2,969 2,078
    4 58,462 3,128 2,189
    5 61,590 3,295 2,307
    6 64,885 3,471 2,430
    7 68,356 3,657 2,560
    8 72,013 3,853 2,697
    9 75,866 4,059 2,841
    10 79,925 4,276 2,993
    11 84,201 4,505 3,153
    12 88,705 4,746 3,322
    13 93,451 5,000 3,500
    14 98,451 5,267 3,687
    15 103,718 5,549 3,884
    16 109,267 5,846 4,092
    17 115,113 6,159 4,311
    18 121,271 6,488 4,542
    19 127,759 6,835 4,785
    20 134,594 7,201 5,041
    TOTAL $91,795 $64,256
  • 7
    LOCAL CD
    MTC
    5.25%
    -
    $50,000
    15 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    5.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,625 1,838
    2 52,625 2,763 1,934
    3 55,388 2,908 2,036
    4 58,296 3,061 2,142
    5 61,356 3,221 2,255
    6 64,577 3,390 2,373
    7 67,968 3,568 2,498
    8 71,536 3,756 2,629
    9 75,292 3,953 2,767
    10 79,244 4,160 2,912
    11 83,405 4,379 3,065
    12 87,784 4,609 3,226
    13 92,392 4,851 3,395
    14 97,243 5,105 3,574
    15 102,348 5,373 3,761
    16 107,721 5,655 3,959
    17 113,377 5,952 4,167
    18 119,329 6,265 4,385
    19 125,594 6,594 4,616
    20 132,187 6,940 4,858
    TOTAL $89,127 $62,389
  • 8
    LOCAL CD
    MTC
    4.83%
    -
    $50,000
    26 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    4.83%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,415 1,691
    2 52,415 2,532 1,772
    3 54,947 2,654 1,858
    4 57,601 2,782 1,947
    5 60,383 2,916 2,042
    6 63,299 3,057 2,140
    7 66,357 3,205 2,244
    8 69,562 3,360 2,352
    9 72,921 3,522 2,465
    10 76,443 3,692 2,585
    11 80,136 3,871 2,709
    12 84,006 4,058 2,840
    13 88,064 4,253 2,977
    14 92,317 4,459 3,121
    15 96,776 4,674 3,272
    16 101,450 4,900 3,430
    17 106,350 5,137 3,596
    18 111,487 5,385 3,769
    19 116,872 5,645 3,951
    20 122,517 5,918 4,142
    TOTAL $78,435 $54,904
  • 9
    LOCAL CD
    MTC
    3.75%
    -
    $50,000
    3 Month
    Credit Union
    1.71x (National Avg. - 2.19%)
    $10,000
     
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085
  • 10
    LOCAL CD
    WELLSPRING
    0.82%
    -
    $50,000
    36 Month
    Credit Union
    1.09x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.82%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 412 288
    2 50,412 415 290
    3 50,826 418 293
    4 51,245 422 295
    5 51,666 425 298
    6 52,092 429 300
    7 52,520 432 303
    8 52,953 436 305
    9 53,388 439 308
    10 53,828 443 310
    11 54,271 447 313
    12 54,717 450 315
    13 55,168 454 318
    14 55,622 458 320
    15 56,080 462 323
    16 56,541 465 326
    17 57,006 469 328
    18 57,476 473 331
    19 57,949 477 334
    20 58,426 481 337
    TOTAL $8,906 $6,234
  • 11
    LOCAL CD
    DELTA COMMUNITY
    3.00%
    -
    $50,000
    36 Month
    Credit Union
    3.98x (National Avg. - 0.75%)
    $1,000
     
    SCENARIO
    Year Rate
    3.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,500 1,050
    2 51,500 1,545 1,082
    3 53,045 1,591 1,114
    4 54,636 1,639 1,147
    5 56,275 1,688 1,182
    6 57,964 1,739 1,217
    7 59,703 1,791 1,254
    8 61,494 1,845 1,291
    9 63,339 1,900 1,330
    10 65,239 1,957 1,370
    11 67,196 2,016 1,411
    12 69,212 2,076 1,453
    13 71,288 2,139 1,497
    14 73,427 2,203 1,542
    15 75,629 2,269 1,588
    16 77,898 2,337 1,636
    17 80,235 2,407 1,685
    18 82,642 2,479 1,735
    19 85,122 2,554 1,788
    20 87,675 2,630 1,841
    TOTAL $40,306 $28,214
  • 12
    ONLINE SAVINGS
    Middlesex Federal Savings, F.A.
    0.40%
    -
    $50,000
    N.A.
    Bank
    1.79x (National Avg. - 0.22%)
    $50
     
    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 MONEY MARKET
    NEXTMARK
    1.80%
    -
    $50,000
    N.A.
    Credit Union
    8.04x (National Avg. - 0.22%)
    $100,000
     
    SCENARIO
    Year Rate
    1.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 900 630
    2 50,900 916 641
    3 51,816 933 653
    4 52,749 949 665
    5 53,698 967 677
    6 54,665 984 689
    7 55,649 1,002 701
    8 56,651 1,020 714
    9 57,670 1,038 727
    10 58,708 1,057 740
    11 59,765 1,076 753
    12 60,841 1,095 767
    13 61,936 1,115 780
    14 63,051 1,135 794
    15 64,186 1,155 809
    16 65,341 1,176 823
    17 66,517 1,197 838
    18 67,715 1,219 853
    19 68,933 1,241 869
    20 70,174 1,263 884
    TOTAL $21,437 $15,006

    All calculations are for demonstration purposes only.

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