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Comparison of Deposit Account from Mutual Savings Bank with 0.10% - April 2025

Long-Term Analysis of Territorial Savings Bank with 0.40% APY and Mutual Savings Bank with 0.10% APY and EECU with 3.68% APY and EECU with 3.73% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

Territorial Savings Bank

0.40%

$50,000

48 Month

Bank

0.49x (National Avg. - 0.82%)

$10,000

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

LOCAL CD

Mutual Savings Bank

0.10%

$50,000

12 Month

Bank

0.18x (National Avg. - 0.55%)

$10,000

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

LOCAL CD

EECU

3.68%

$50,000

6 Month

Credit Union

9.04x (National Avg. - 0.41%)

$1,000

SCENARIO

Year	Rate 3.68%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,840	1,288
2	51,840	1,908	1,335
3	53,748	1,978	1,385
4	55,726	2,051	1,435
5	57,776	2,126	1,488
6	59,902	2,204	1,543
7	62,107	2,286	1,600
8	64,392	2,370	1,659
9	66,762	2,457	1,720
10	69,219	2,547	1,783
11	71,766	2,641	1,849
12	74,407	2,738	1,917
13	77,145	2,839	1,987
14	79,984	2,943	2,060
15	82,928	3,052	2,136
16	85,979	3,164	2,215
17	89,144	3,280	2,296
18	92,424	3,401	2,381
19	95,825	3,526	2,468
20	99,352	3,656	2,559
	TOTAL	$53,008	$37,105

LOCAL CD

EECU

3.73%

$50,000

9 Month

Credit Union

N.A.

$2,500

SCENARIO

Year	Rate 3.73%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,865	1,306
2	51,865	1,935	1,354
3	53,800	2,007	1,405
4	55,806	2,082	1,457
5	57,888	2,159	1,511
6	60,047	2,240	1,568
7	62,287	2,323	1,626
8	64,610	2,410	1,687
9	67,020	2,500	1,750
10	69,520	2,593	1,815
11	72,113	2,690	1,883
12	74,803	2,790	1,953
13	77,593	2,894	2,026
14	80,487	3,002	2,102
15	83,489	3,114	2,180
16	86,604	3,230	2,261
17	89,834	3,351	2,346
18	93,185	3,476	2,433
19	96,660	3,605	2,524
20	100,266	3,740	2,618
	TOTAL	$54,006	$37,804

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
My e-Banc, a division of Bradesco BAC Florida Bank	4.55%	$50,000	Learn More
Last change: ↓0.10% on February 9. 6 Month Jumbo CD.
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Bread Savings, a division of Bread Financial	4.50%	$1,500	Learn More
Last change: ↓0.15% on January 25.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.

Compare Savings vs. CDs Comparison of Deposit Account from Mutual Savings Bank with 0.10% - April 2025

Long-Term Analysis of Territorial Savings Bank with 0.40% APY and Mutual Savings Bank with 0.10% APY and EECU with 3.68% APY and EECU with 3.73% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Mutual Savings Bank with 0.10% - April 2025