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Comparison of Deposit Account from NIAGARA'S CHOICE with 0.50% - April 2025


Long-Term Analysis of U S #1364 with 0.45% APY and NIAGARA'S CHOICE with 0.50% 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
    U S #1364
    0.45%
    -
    $50,000
    6 Month
    Credit Union
    1.11x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 225 158
    2 50,225 226 158
    3 50,451 227 159
    4 50,678 228 160
    5 50,906 229 160
    6 51,135 230 161
    7 51,365 231 162
    8 51,596 232 163
    9 51,829 233 163
    10 52,062 234 164
    11 52,296 235 165
    12 52,531 236 165
    13 52,768 237 166
    14 53,005 239 167
    15 53,244 240 168
    16 53,483 241 168
    17 53,724 242 169
    18 53,966 243 170
    19 54,209 244 171
    20 54,453 245 172
    TOTAL $4,698 $3,288
  • 2
    LOCAL CD
    NIAGARA'S CHOICE
    0.50%
    -
    $50,000
    48 Month
    Credit Union
    0.61x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 251 175
    2 50,251 252 176
    3 50,502 253 177
    4 50,755 254 178
    5 51,010 256 179
    6 51,265 257 180
    7 51,522 258 181
    8 51,780 259 182
    9 52,039 261 183
    10 52,300 262 183
    11 52,562 263 184
    12 52,826 265 185
    13 53,090 266 186
    14 53,356 267 187
    15 53,624 269 188
    16 53,892 270 189
    17 54,162 271 190
    18 54,434 273 191
    19 54,706 274 192
    20 54,980 275 193
    TOTAL $5,256 $3,679

    All calculations are for demonstration purposes only.

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    Last Update on April 10, 2025

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