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Comparison of Deposit Account from North County Savings Bank with 4.54% - April 2025


Long-Term Analysis of UMB Bank, National Association with 0.25% APY and North County Savings Bank with 4.54% 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
    UMB Bank, National Association
    0.25%
    -
    $50,000
    36 Month
    Bank
    0.33x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 2
    LOCAL CD
    North County Savings Bank
    4.54%
    -
    $50,000
    7 Month
    Bank
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    4.54%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,270 1,589
    2 52,270 2,373 1,661
    3 54,643 2,481 1,737
    4 57,124 2,593 1,815
    5 59,717 2,711 1,898
    6 62,428 2,834 1,984
    7 65,263 2,963 2,074
    8 68,226 3,097 2,168
    9 71,323 3,238 2,267
    10 74,561 3,385 2,370
    11 77,946 3,539 2,477
    12 81,485 3,699 2,590
    13 85,184 3,867 2,707
    14 89,052 4,043 2,830
    15 93,095 4,226 2,959
    16 97,321 4,418 3,093
    17 101,740 4,619 3,233
    18 106,359 4,829 3,380
    19 111,187 5,048 3,534
    20 116,235 5,277 3,694
    TOTAL $71,512 $50,059

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑0.15% on March 22.

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↓0.15% on January 25.

    Last change: ↓0.50% on February 25.

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