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Comparison of Deposit Account from ONPOINT COMMUNITY with 0.15% - April 2025

Long-Term Analysis of Axos Bank, a division of Bofi Federal Bank with 0.20% APY and West Pointe Bank with 0.10% APY and West Pointe Bank with 1.00% APY and Cross Keys Bank with 0.05% APY and Five Points Bank of Hastings with 0.45% APY and The First National Bank of Anderson with 1.01% APY and F A A with 0.48% APY and First Security Bank of Roundup with 0.30% APY and STARK with 0.40% APY and First State Bank with 0.07% APY and The First Bank of Celeste with 0.40% APY and INTOUCH with 0.80% APY and 1ST COMMUNITY with 0.25% APY and CONE with 0.30% APY and CONE with 0.40% APY and CONE with 0.45% APY and CONE with 0.10% APY and Gateway Bank with 0.51% APY and TRUSERVICE COMMUNITY with 0.25% APY and ALCOA COMMUNITY with 0.50% APY and ALCOA COMMUNITY with 0.25% APY and MOHAVE COMMUNITY with 0.10% APY and Community Commerce Bank with 4.07% APY and Tustin Community Bank with 0.60% APY and F & A with 0.80% APY and EL MONTE COMMUNITY with 0.30% APY and SANDIA LABORATORY with 1.25% APY and SANDIA LABORATORY with 0.40% APY and SANDIA LABORATORY with 0.70% APY and SOOPER with 4.85% APY and COMMONWEALTH ONE with 2.33% APY and CCB Community Bank with 0.40% APY and T M H with 0.45% APY and RADIFI with 3.00% APY and RADIFI with 3.50% APY and VELOCITY COMMUNITY with 4.05% APY and MARSHLAND COMMUNITY with 0.45% APY and Sunmark Community Bank with 0.35% APY and Community Banking Company of Fitzgerald with 0.25% APY and Community Banking Company of Fitzgerald with 0.15% APY and Flint Community Bank with 0.65% APY and Flint Community Bank with 0.15% APY and Hyperion Bank with 1.75% APY and Hyperion Bank with 2.00% APY and TELCO-TRIAD COMMUNITY with 0.65% APY and TELCO-TRIAD COMMUNITY with 0.75% APY and 1ST GATEWAY with 0.60% APY and SERVE with 0.75% APY and STREATOR ONIZED with 1.00% APY and Security Bank and Trust Co. with 0.15% APY and Security Bank and Trust Co. with 0.10% APY and Hometown Bank of Corbin, Inc. with 0.05% APY and Origin Bank with 0.20% APY and Origin Bank with 0.10% APY and ONPATH with 1.00% APY and KEESLER with 1.00% APY and HANSCOM with 4.00% APY and GEICO with 1.00% APY and The First National Bank of St. Ignace with 0.65% APY and SOO CO-OP with 0.75% APY and The Dart Bank with 0.25% APY and The Dart Bank with 0.10% APY and The Potter State Bank of Potter with 0.40% APY and Scribner Bank with 0.55% APY and Scribner Bank with 0.35% APY and Citizens State Bank with 0.50% APY and Citizens State Bank with 1.00% APY and Citizens State Bank with 0.25% APY and Citizens State Bank with 0.20% APY and Champlain National Bank with 1.51% APY and G.P.O. with 4.25% APY and HUDSON RIVER COMMUNITY with 0.75% APY and MERIDIA COMMUNITY with 0.55% APY and Genesee Regional Bank with 2.25% APY and CFCU COMMUNITY with 0.45% APY and Tompkins Community Bank with 0.10% APY and MOHAWK VALLEY with 4.70% APY and SUNMARK with 0.15% APY and FIRESTONE with 0.40% APY and KEMBA with 1.10% APY and Community State Bank of Orbisonia with 0.25% APY and The Washington Trust Company, of Westerly with 0.90% APY and The Bank of Clarendon with 0.15% APY and EXPLORERS with 0.50% APY and EXPLORERS with 0.30% APY and SERVICE FIRST with 0.15% APY and SIOUX FALLS with 0.30% APY and U. T. with 0.55% APY and U. T. with 0.65% APY and FIRST STATE BANK OF THE SOUTHEAST, INC with 0.50% APY and FIRST STATE BANK OF THE SOUTHEAST, INC with 0.15% APY and First Security State Bank with 1.05% APY and First Security State Bank with 0.10% APY and Security State Bank with 0.40% APY and Veritex Community Bank with 0.40% APY and TEXANS with 0.05% APY and Benchmark Bank with 0.25% APY and COMMONWEALTH BUSINESS BANK with 0.55% APY and EP with 0.25% APY and FIRST CLASS AMERICAN with 0.35% APY and The First National Bank of Tom Bean with 0.40% APY and Community National Bank with 0.20% APY and FIRST ABILENE with 0.10% APY and MCBank with 0.35% APY and MCBank with 0.80% APY and FIRST CENTRAL with 0.35% APY and UBank with 0.50% APY and DOCHES with 0.30% APY and MCT with 0.30% APY and MCT with 0.25% APY and R Bank with 0.75% APY and R Bank with 0.10% APY and AUSTIN TELCO with 0.10% APY and The First National Bank of Anderson with 0.50% APY and Citizens State Bank of Luling with 0.95% APY and The First National Bank of Bastrop with 0.45% APY and The First State Bank with 0.05% APY and First State Bank of San Diego with 1.00% APY and The Lytle State Bank of Lytle, Texas with 0.15% APY and Greater State Bank with 1.26% APY and The First National Bank of McGregor with 1.15% APY and The First National Bank of McGregor with 0.35% APY and The First National Bank of McGregor with 0.10% APY and Spring Hill State Bank with 1.26% APY and PROGRESSIONS with 0.20% APY and FOX COMMUNITIES with 0.45% APY and PCM with 0.30% APY and BLACKHAWK COMMUNITY with 0.10% APY and Community First Bank with 0.03% APY and DUPACO COMMUNITY with 0.40% APY and R.I.A. with 0.10% APY and BLC Community Bank with 0.15% APY and MCU FINANCIAL CENTER with 0.12% APY and Champlain National Bank with 1.26% APY and DELTA COMMUNITY with 4.25% APY and ONPOINT COMMUNITY with 5.00% APY and ONPOINT COMMUNITY with 0.15% APY and WEYCO COMMUNITY with 5.22% 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

ONLINE CD

Axos Bank, a division of Bofi Federal Bank

0.20%

$50,000

48 Month

Online Bank

0.25x (National Avg. - 0.82%)

$1,000

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

LOCAL MONEY MARKET

West Pointe Bank

0.10%

$50,000

N.A.

Bank

0.12x (National Avg. - 0.82%)

$100

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

West Pointe Bank

1.00%

$50,000

36 Month

Bank

1.33x (National Avg. - 0.75%)

$500

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL SAVINGS

Cross Keys Bank

0.05%

$50,000

N.A.

Bank

0.22x (National Avg. - 0.23%)

SCENARIO

Year	Rate 0.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	25	18
2	50,025	25	18
3	50,050	25	18
4	50,075	25	18
5	50,100	25	18
6	50,125	25	18
7	50,150	25	18
8	50,175	25	18
9	50,200	25	18
10	50,225	25	18
11	50,251	25	18
12	50,276	25	18
13	50,301	25	18
14	50,326	25	18
15	50,351	25	18
16	50,376	25	18
17	50,402	25	18
18	50,427	25	18
19	50,452	25	18
20	50,477	25	18
	TOTAL	$502	$352

LOCAL CD

Five Points Bank of Hastings

0.45%

$50,000

18 Month

Bank

0.78x (National Avg. - 0.58%)

$500

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

LOCAL CD

The First National Bank of Anderson

1.01%

$50,000

60 Month

Bank

1.10x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 1.01%	Annual Interest	Annual Interest (After Tax)
1	50,000	505	354
2	50,505	510	357
3	51,015	515	361
4	51,530	520	364
5	52,051	526	368
6	52,577	531	372
7	53,108	536	375
8	53,644	542	379
9	54,186	547	383
10	54,733	553	387
11	55,286	558	391
12	55,844	564	395
13	56,408	570	399
14	56,978	575	403
15	57,553	581	407
16	58,135	587	411
17	58,722	593	415
18	59,315	599	419
19	59,914	605	424
20	60,519	611	428
	TOTAL	$11,130	$7,791

LOCAL CD

F A A

0.48%

$50,000

18 Month

Credit Union

0.82x (National Avg. - 0.58%)

$50,000

SCENARIO

Year	Rate 0.48%	Annual Interest	Annual Interest (After Tax)
1	50,000	238	166
2	50,238	239	167
3	50,476	240	168
4	50,716	241	169
5	50,957	242	169
6	51,199	243	170
7	51,442	244	171
8	51,686	246	172
9	51,932	247	173
10	52,179	248	173
11	52,426	249	174
12	52,675	250	175
13	52,926	251	176
14	53,177	253	177
15	53,430	254	178
16	53,683	255	178
17	53,938	256	179
18	54,195	257	180
19	54,452	259	181
20	54,711	260	182
	TOTAL	$4,971	$3,479

LOCAL CD

First Security Bank of Roundup

0.30%

$50,000

6 Month

Bank

0.74x (National Avg. - 0.41%)

$1,000

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

LOCAL CD

STARK

0.40%

$50,000

12 Month

Credit Union

0.73x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	201	140
2	50,201	201	141
3	50,402	202	141
4	50,604	203	142
5	50,807	204	143
6	51,011	205	143
7	51,215	205	144
8	51,420	206	144
9	51,627	207	145
10	51,834	208	145
11	52,042	209	146
12	52,250	210	147
13	52,460	210	147
14	52,670	211	148
15	52,881	212	148
16	53,093	213	149
17	53,306	214	150
18	53,520	215	150
19	53,735	215	151
20	53,950	216	151
	TOTAL	$4,166	$2,917

LOCAL MONEY MARKET

First State Bank

0.07%

$50,000

N.A.

Bank

0.13x (National Avg. - 0.55%)

$25,000

SCENARIO

Year	Rate 0.07%	Annual Interest	Annual Interest (After Tax)
1	50,000	35	25
2	50,035	35	25
3	50,070	35	25
4	50,105	35	25
5	50,140	35	25
6	50,175	35	25
7	50,210	35	25
8	50,246	35	25
9	50,281	35	25
10	50,316	35	25
11	50,351	35	25
12	50,386	35	25
13	50,422	35	25
14	50,457	35	25
15	50,492	35	25
16	50,528	35	25
17	50,563	35	25
18	50,598	35	25
19	50,634	35	25
20	50,669	35	25
	TOTAL	$705	$493

LOCAL CD

The First Bank of Celeste

0.40%

$50,000

12 Month

Bank

0.72x (National Avg. - 0.55%)

$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

INTOUCH

0.80%

$50,000

36 Month

Credit Union

1.06x (National Avg. - 0.75%)

$1,000

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

LOCAL MONEY MARKET

1ST COMMUNITY

0.25%

$50,000

N.A.

Credit Union

0.33x (National Avg. - 0.75%)

$1,000

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

LOCAL MONEY MARKET

CONE

0.30%

$50,000

N.A.

Credit Union

0.40x (National Avg. - 0.75%)

$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

LOCAL MONEY MARKET

CONE

0.40%

$50,000

N.A.

Credit Union

0.53x (National Avg. - 0.75%)

$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

N.A.

CONE

0.45%

$50,000

N.A.

Credit Union

0.60x (National Avg. - 0.75%)

$25,000

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

LOCAL SAVINGS

CONE

0.10%

$50,000

N.A.

Credit Union

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

LOCAL SAVINGS

Gateway Bank

0.51%

$50,000

N.A.

Bank

2.27x (National Avg. - 0.23%)

$2,500

SCENARIO

Year	Rate 0.51%	Annual Interest	Annual Interest (After Tax)
1	50,000	255	179
2	50,255	256	179
3	50,511	258	180
4	50,769	259	181
5	51,028	260	182
6	51,288	262	183
7	51,550	263	184
8	51,813	264	185
9	52,077	266	186
10	52,342	267	187
11	52,609	268	188
12	52,878	270	189
13	53,147	271	190
14	53,418	272	191
15	53,691	274	192
16	53,965	275	193
17	54,240	277	194
18	54,516	278	195
19	54,794	279	196
20	55,074	281	197
	TOTAL	$5,355	$3,748

LOCAL MONEY MARKET

TRUSERVICE COMMUNITY

0.25%

$50,000

N.A.

Credit Union

1.11x (National Avg. - 0.23%)

$25,000

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

LOCAL MONEY MARKET

ALCOA COMMUNITY

0.50%

$50,000

N.A.

Credit Union

2.22x (National Avg. - 0.23%)

$25,000

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

LOCAL SAVINGS

ALCOA COMMUNITY

0.25%

$50,000

N.A.

Credit Union

1.11x (National Avg. - 0.23%)

$2,500

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

LOCAL CD

MOHAVE COMMUNITY

0.10%

$50,000

12 Month

Credit Union

0.18x (National Avg. - 0.55%)

$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

LOCAL CD

Community Commerce Bank

4.07%

$50,000

36 Month

Bank

5.40x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 4.07%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,035	1,425
2	52,035	2,118	1,482
3	54,153	2,204	1,543
4	56,357	2,294	1,606
5	58,651	2,387	1,671
6	61,038	2,484	1,739
7	63,522	2,585	1,810
8	66,107	2,691	1,883
9	68,798	2,800	1,960
10	71,598	2,914	2,040
11	74,512	3,033	2,123
12	77,545	3,156	2,209
13	80,701	3,285	2,299
14	83,985	3,418	2,393
15	87,403	3,557	2,490
16	90,961	3,702	2,591
17	94,663	3,853	2,697
18	98,515	4,010	2,807
19	102,525	4,173	2,921
20	106,698	4,343	3,040
	TOTAL	$61,040	$42,728

LOCAL CD

Tustin Community Bank

0.60%

$50,000

36 Month

Bank

0.80x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL CD

F & A

0.80%

$50,000

6 Month

Credit Union

1.97x (National Avg. - 0.41%)

$50,000

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

LOCAL CD

EL MONTE COMMUNITY

0.30%

$50,000

6 Month

Credit Union

0.74x (National Avg. - 0.41%)

$100,000

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

LOCAL CD

SANDIA LABORATORY

1.25%

$50,000

18 Month

Credit Union

2.16x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 1.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	625	438
2	50,625	633	443
3	51,258	641	449
4	51,899	649	454
5	52,547	657	460
6	53,204	665	466
7	53,869	673	471
8	54,543	682	477
9	55,224	690	483
10	55,915	699	489
11	56,614	708	495
12	57,321	717	502
13	58,038	725	508
14	58,763	735	514
15	59,498	744	521
16	60,241	753	527
17	60,994	762	534
18	61,757	772	540
19	62,529	782	547
20	63,310	791	554
	TOTAL	$14,102	$9,871

LOCAL CD

SANDIA LABORATORY

0.40%

$50,000

6 Month

Credit Union

0.99x (National Avg. - 0.41%)

$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

SANDIA LABORATORY

0.70%

$50,000

6 Month

Credit Union

1.72x (National Avg. - 0.41%)

$100,000

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

LOCAL CD

SOOPER

4.85%

$50,000

12 Month

Credit Union

8.79x (National Avg. - 0.55%)

$50,000

SCENARIO

Year	Rate 4.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,425	1,698
2	52,425	2,543	1,780
3	54,968	2,666	1,866
4	57,634	2,795	1,957
5	60,429	2,931	2,052
6	63,360	3,073	2,151
7	66,433	3,222	2,255
8	69,654	3,378	2,365
9	73,033	3,542	2,479
10	76,575	3,714	2,600
11	80,289	3,894	2,726
12	84,183	4,083	2,858
13	88,266	4,281	2,997
14	92,546	4,489	3,142
15	97,035	4,706	3,294
16	101,741	4,934	3,454
17	106,676	5,174	3,622
18	111,849	5,425	3,797
19	117,274	5,688	3,981
20	122,962	5,964	4,175
	TOTAL	$78,925	$55,248

LOCAL CD

COMMONWEALTH ONE

2.33%

$50,000

15 Month

Credit Union

N.A.

$50

SCENARIO

Year	Rate 2.33%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,165	816
2	51,165	1,192	835
3	52,357	1,220	854
4	53,577	1,248	874
5	54,825	1,277	894
6	56,103	1,307	915
7	57,410	1,338	936
8	58,748	1,369	958
9	60,117	1,401	981
10	61,517	1,433	1,003
11	62,951	1,467	1,027
12	64,417	1,501	1,051
13	65,918	1,536	1,075
14	67,454	1,572	1,100
15	69,026	1,608	1,126
16	70,634	1,646	1,152
17	72,280	1,684	1,179
18	73,964	1,723	1,206
19	75,687	1,764	1,234
20	77,451	1,805	1,263
	TOTAL	$29,256	$20,479

LOCAL CD

CCB Community Bank

0.40%

$50,000

18 Month

Bank

0.69x (National Avg. - 0.58%)

$500

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

T M H

0.45%

$50,000

12 Month

Credit Union

0.82x (National Avg. - 0.55%)

$100,000

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

LOCAL CD

RADIFI

3.00%

$50,000

12 Month

Credit Union

5.43x (National Avg. - 0.55%)

$100,000

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

LOCAL CD

RADIFI

3.50%

$50,000

48 Month

Credit Union

4.29x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 3.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,750	1,225
2	51,750	1,811	1,268
3	53,561	1,875	1,312
4	55,436	1,940	1,358
5	57,376	2,008	1,406
6	59,384	2,078	1,455
7	61,463	2,151	1,506
8	63,614	2,226	1,559
9	65,840	2,304	1,613
10	68,145	2,385	1,670
11	70,530	2,469	1,728
12	72,998	2,555	1,788
13	75,553	2,644	1,851
14	78,198	2,737	1,916
15	80,935	2,833	1,983
16	83,767	2,932	2,052
17	86,699	3,034	2,124
18	89,734	3,141	2,198
19	92,874	3,251	2,275
20	96,125	3,364	2,355
	TOTAL	$49,489	$34,643

LOCAL CD

VELOCITY COMMUNITY

4.05%

$50,000

12 Month

Credit Union

7.34x (National Avg. - 0.55%)

$5,000

SCENARIO

Year	Rate 4.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,025	1,418
2	52,025	2,107	1,475
3	54,132	2,192	1,535
4	56,324	2,281	1,597
5	58,605	2,374	1,661
6	60,979	2,470	1,729
7	63,449	2,570	1,799
8	66,018	2,674	1,872
9	68,692	2,782	1,947
10	71,474	2,895	2,026
11	74,369	3,012	2,108
12	77,381	3,134	2,194
13	80,515	3,261	2,283
14	83,776	3,393	2,375
15	87,168	3,530	2,471
16	90,699	3,673	2,571
17	94,372	3,822	2,675
18	98,194	3,977	2,784
19	102,171	4,138	2,897
20	106,309	4,306	3,014
	TOTAL	$60,614	$42,430

LOCAL MONEY MARKET

MARSHLAND COMMUNITY

0.45%

$50,000

N.A.

Credit Union

0.82x (National Avg. - 0.55%)

$25,000

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

LOCAL CD

Sunmark Community Bank

0.35%

$50,000

12 Month

Bank

0.63x (National Avg. - 0.55%)

$10,000

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

LOCAL MONEY MARKET

Community Banking Company of Fitzgerald

0.25%

$50,000

N.A.

Bank

0.45x (National Avg. - 0.55%)

$25,000

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

LOCAL SAVINGS

Community Banking Company of Fitzgerald

0.15%

$50,000

N.A.

Bank

0.67x (National Avg. - 0.23%)

$2,500

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

LOCAL CD

Flint Community Bank

0.65%

$50,000

60 Month

Bank

0.71x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 0.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	325	228
2	50,325	327	229
3	50,652	329	230
4	50,981	331	232
5	51,313	334	233
6	51,646	336	235
7	51,982	338	237
8	52,320	340	238
9	52,660	342	240
10	53,002	345	241
11	53,347	347	243
12	53,693	349	244
13	54,042	351	246
14	54,394	354	247
15	54,747	356	249
16	55,103	358	251
17	55,461	360	252
18	55,822	363	254
19	56,185	365	256
20	56,550	368	257
	TOTAL	$6,917	$4,842

LOCAL MONEY MARKET

Flint Community Bank

0.15%

$50,000

N.A.

Bank

0.16x (National Avg. - 0.92%)

$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

LOCAL CD

Hyperion Bank

1.75%

$50,000

36 Month

Bank

2.32x (National Avg. - 0.75%)

$500

SCENARIO

Year	Rate 1.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	875	613
2	50,875	890	623
3	51,765	906	634
4	52,671	922	645
5	53,593	938	657
6	54,531	954	668
7	55,485	971	680
8	56,456	988	692
9	57,444	1,005	704
10	58,449	1,023	716
11	59,472	1,041	729
12	60,513	1,059	741
13	61,572	1,078	754
14	62,649	1,096	767
15	63,746	1,116	781
16	64,861	1,135	795
17	65,996	1,155	808
18	67,151	1,175	823
19	68,327	1,196	837
20	69,522	1,217	852
	TOTAL	$20,739	$14,517

LOCAL CD

Hyperion Bank

2.00%

$50,000

60 Month

Bank

2.18x (National Avg. - 0.92%)

$500

SCENARIO

Year	Rate 2.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,000	700
2	51,000	1,020	714
3	52,020	1,040	728
4	53,060	1,061	743
5	54,122	1,082	758
6	55,204	1,104	773
7	56,308	1,126	788
8	57,434	1,149	804
9	58,583	1,172	820
10	59,755	1,195	837
11	60,950	1,219	853
12	62,169	1,243	870
13	63,412	1,268	888
14	64,680	1,294	906
15	65,974	1,319	924
16	67,293	1,346	942
17	68,639	1,373	961
18	70,012	1,400	980
19	71,412	1,428	1,000
20	72,841	1,457	1,020
	TOTAL	$24,297	$17,008

LOCAL CD

TELCO-TRIAD COMMUNITY

0.65%

$50,000

12 Month

Credit Union

1.18x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	325	228
2	50,325	327	229
3	50,652	329	230
4	50,981	331	232
5	51,313	334	233
6	51,646	336	235
7	51,982	338	237
8	52,320	340	238
9	52,660	342	240
10	53,002	345	241
11	53,347	347	243
12	53,693	349	244
13	54,042	351	246
14	54,394	354	247
15	54,747	356	249
16	55,103	358	251
17	55,461	360	252
18	55,822	363	254
19	56,185	365	256
20	56,550	368	257
	TOTAL	$6,917	$4,842

LOCAL CD

TELCO-TRIAD COMMUNITY

0.75%

$50,000

12 Month

Credit Union

1.36x (National Avg. - 0.55%)

$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

LOCAL CD

1ST GATEWAY

0.60%

$50,000

12 Month

Credit Union

1.09x (National Avg. - 0.55%)

$1,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL CD

SERVE

0.75%

$50,000

12 Month

Credit Union

1.36x (National Avg. - 0.55%)

$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

LOCAL CD

STREATOR ONIZED

1.00%

$50,000

36 Month

Credit Union

1.33x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL MONEY MARKET

Security Bank and Trust Co.

0.15%

$50,000

N.A.

Bank

0.20x (National Avg. - 0.75%)

$10,000

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

LOCAL SAVINGS

Security Bank and Trust Co.

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

LOCAL MONEY MARKET

Hometown Bank of Corbin, Inc.

0.05%

$50,000

N.A.

Bank

0.22x (National Avg. - 0.23%)

$10,000

SCENARIO

Year	Rate 0.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	25	18
2	50,025	25	18
3	50,050	25	18
4	50,075	25	18
5	50,100	25	18
6	50,125	25	18
7	50,150	25	18
8	50,175	25	18
9	50,200	25	18
10	50,225	25	18
11	50,251	25	18
12	50,276	25	18
13	50,301	25	18
14	50,326	25	18
15	50,351	25	18
16	50,376	25	18
17	50,402	25	18
18	50,427	25	18
19	50,452	25	18
20	50,477	25	18
	TOTAL	$502	$352

LOCAL CD

Origin Bank

0.20%

$50,000

6 Month

Bank

0.49x (National Avg. - 0.41%)

$10,000

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

LOCAL MONEY MARKET

Origin Bank

0.10%

$50,000

N.A.

Bank

0.25x (National Avg. - 0.41%)

$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

ONPATH

1.00%

$50,000

24 Month

Credit Union

1.52x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

KEESLER

1.00%

$50,000

24 Month

Credit Union

1.52x (National Avg. - 0.66%)

$1,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

HANSCOM

4.00%

$50,000

13 Month

Credit Union

N.A.

$1,000

SCENARIO

Year	Rate 4.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,000	1,400
2	52,000	2,080	1,456
3	54,080	2,163	1,514
4	56,243	2,250	1,575
5	58,493	2,340	1,638
6	60,833	2,433	1,703
7	63,266	2,531	1,771
8	65,797	2,632	1,842
9	68,428	2,737	1,916
10	71,166	2,847	1,993
11	74,012	2,960	2,072
12	76,973	3,079	2,155
13	80,052	3,202	2,241
14	83,254	3,330	2,331
15	86,584	3,463	2,424
16	90,047	3,602	2,521
17	93,649	3,746	2,622
18	97,395	3,896	2,727
19	101,291	4,052	2,836
20	105,342	4,214	2,950
	TOTAL	$59,556	$41,689

LOCAL CD

GEICO

1.00%

$50,000

60 Month

Credit Union

1.09x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

The First National Bank of St. Ignace

0.65%

$50,000

6 Month

Bank

1.60x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	325	228
2	50,325	327	229
3	50,652	329	230
4	50,981	331	232
5	51,313	334	233
6	51,646	336	235
7	51,982	338	237
8	52,320	340	238
9	52,660	342	240
10	53,002	345	241
11	53,347	347	243
12	53,693	349	244
13	54,042	351	246
14	54,394	354	247
15	54,747	356	249
16	55,103	358	251
17	55,461	360	252
18	55,822	363	254
19	56,185	365	256
20	56,550	368	257
	TOTAL	$6,917	$4,842

LOCAL CD

SOO CO-OP

0.75%

$50,000

24 Month

Credit Union

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

LOCAL CD

The Dart Bank

0.25%

$50,000

6 Month

Bank

0.62x (National Avg. - 0.41%)

$100,000

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

LOCAL MONEY MARKET

The Dart Bank

0.10%

$50,000

N.A.

Bank

0.25x (National Avg. - 0.41%)

$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

LOCAL CD

The Potter State Bank of Potter

0.40%

$50,000

12 Month

Bank

0.72x (National Avg. - 0.55%)

$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

Scribner Bank

0.55%

$50,000

18 Month

Bank

0.95x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	275	193
2	50,275	277	194
3	50,552	278	195
4	50,830	280	196
5	51,109	281	197
6	51,390	283	198
7	51,673	284	199
8	51,957	286	200
9	52,243	287	201
10	52,530	289	202
11	52,819	291	203
12	53,110	292	204
13	53,402	294	206
14	53,695	295	207
15	53,991	297	208
16	54,288	299	209
17	54,586	300	210
18	54,886	302	211
19	55,188	304	212
20	55,492	305	214
	TOTAL	$5,797	$4,058

LOCAL CD

Scribner Bank

0.35%

$50,000

6 Month

Bank

0.86x (National Avg. - 0.41%)

$10,000

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

LOCAL CD

Citizens State Bank

0.50%

$50,000

6 Month

Bank

1.23x (National Avg. - 0.41%)

$10,000

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

LOCAL CD

Citizens State Bank

1.00%

$50,000

60 Month

Bank

1.09x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL MONEY MARKET

Citizens State Bank

0.25%

$50,000

N.A.

Bank

0.27x (National Avg. - 0.92%)

$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

LOCAL SAVINGS

Citizens State Bank

0.20%

$50,000

N.A.

Bank

0.89x (National Avg. - 0.23%)

$2,500

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

LOCAL CD

Champlain National Bank

1.51%

$50,000

18 Month

Bank

2.60x (National Avg. - 0.58%)

$500

SCENARIO

Year	Rate 1.51%	Annual Interest	Annual Interest (After Tax)
1	50,000	755	529
2	50,755	766	536
3	51,521	778	545
4	52,299	790	553
5	53,089	802	561
6	53,891	814	570
7	54,704	826	578
8	55,531	839	587
9	56,369	851	596
10	57,220	864	605
11	58,084	877	614
12	58,961	890	623
13	59,852	904	633
14	60,755	917	642
15	61,673	931	652
16	62,604	945	662
17	63,549	960	672
18	64,509	974	682
19	65,483	989	692
20	66,472	1,004	703
	TOTAL	$17,476	$12,233

LOCAL CD

G.P.O.

4.25%

$50,000

12 Month

Credit Union

7.70x (National Avg. - 0.55%)

$1,000

SCENARIO

Year	Rate 4.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,125	1,488
2	52,125	2,215	1,551
3	54,340	2,309	1,617
4	56,650	2,408	1,685
5	59,057	2,510	1,757
6	61,567	2,617	1,832
7	64,184	2,728	1,909
8	66,912	2,844	1,991
9	69,756	2,965	2,075
10	72,720	3,091	2,163
11	75,811	3,222	2,255
12	79,033	3,359	2,351
13	82,392	3,502	2,451
14	85,893	3,650	2,555
15	89,544	3,806	2,664
16	93,349	3,967	2,777
17	97,317	4,136	2,895
18	101,453	4,312	3,018
19	105,764	4,495	3,146
20	110,259	4,686	3,280
	TOTAL	$64,945	$45,462

LOCAL CD

HUDSON RIVER COMMUNITY

0.75%

$50,000

60 Month

Credit Union

0.82x (National Avg. - 0.92%)

$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

LOCAL CD

MERIDIA COMMUNITY

0.55%

$50,000

12 Month

Credit Union

1.00x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	275	193
2	50,275	277	194
3	50,552	278	195
4	50,830	280	196
5	51,109	281	197
6	51,390	283	198
7	51,673	284	199
8	51,957	286	200
9	52,243	287	201
10	52,530	289	202
11	52,819	291	203
12	53,110	292	204
13	53,402	294	206
14	53,695	295	207
15	53,991	297	208
16	54,288	299	209
17	54,586	300	210
18	54,886	302	211
19	55,188	304	212
20	55,492	305	214
	TOTAL	$5,797	$4,058

LOCAL CD

Genesee Regional Bank

2.25%

$50,000

18 Month

Bank

3.88x (National Avg. - 0.58%)

$500

SCENARIO

Year	Rate 2.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,125	788
2	51,125	1,150	805
3	52,275	1,176	823
4	53,452	1,203	842
5	54,654	1,230	861
6	55,884	1,257	880
7	57,141	1,286	900
8	58,427	1,315	920
9	59,742	1,344	941
10	61,086	1,374	962
11	62,460	1,405	984
12	63,866	1,437	1,006
13	65,302	1,469	1,029
14	66,772	1,502	1,052
15	68,274	1,536	1,075
16	69,810	1,571	1,100
17	71,381	1,606	1,124
18	72,987	1,642	1,150
19	74,629	1,679	1,175
20	76,309	1,717	1,202
	TOTAL	$28,025	$19,618

LOCAL CD

CFCU COMMUNITY

0.45%

$50,000

12 Month

Credit Union

0.82x (National Avg. - 0.55%)

$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

LOCAL CD

Tompkins Community Bank

0.10%

$50,000

18 Month

Bank

0.17x (National Avg. - 0.58%)

$1,000

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

MOHAWK VALLEY

4.70%

$50,000

12 Month

Credit Union

8.51x (National Avg. - 0.55%)

$5,000

SCENARIO

Year	Rate 4.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,349	1,644
2	52,349	2,459	1,722
3	54,808	2,575	1,802
4	57,383	2,696	1,887
5	60,079	2,823	1,976
6	62,902	2,955	2,069
7	65,857	3,094	2,166
8	68,951	3,239	2,268
9	72,190	3,391	2,374
10	75,581	3,551	2,486
11	79,132	3,718	2,602
12	82,850	3,892	2,725
13	86,742	4,075	2,853
14	90,817	4,267	2,987
15	95,084	4,467	3,127
16	99,551	4,677	3,274
17	104,228	4,897	3,428
18	109,125	5,127	3,589
19	114,251	5,368	3,757
20	119,619	5,620	3,934
	TOTAL	$75,238	$52,667

LOCAL CD

SUNMARK

0.15%

$50,000

12 Month

Credit Union

0.27x (National Avg. - 0.55%)

$10,000

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

LOCAL CD

FIRESTONE

0.40%

$50,000

36 Month

Credit Union

0.53x (National Avg. - 0.75%)

$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

KEMBA

1.10%

$50,000

36 Month

Credit Union

1.46x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 1.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	550	385
2	50,550	556	389
3	51,106	562	394
4	51,668	568	398
5	52,237	575	402
6	52,811	581	407
7	53,392	587	411
8	53,979	594	416
9	54,573	600	420
10	55,173	607	425
11	55,780	614	430
12	56,394	620	434
13	57,014	627	439
14	57,641	634	444
15	58,276	641	449
16	58,917	648	454
17	59,565	655	459
18	60,220	662	464
19	60,882	670	469
20	61,552	677	474
	TOTAL	$12,229	$8,560

LOCAL MONEY MARKET

Community State Bank of Orbisonia

0.25%

$50,000

N.A.

Bank

0.33x (National Avg. - 0.75%)

$1,000

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

LOCAL CD

The Washington Trust Company, of Westerly

0.90%

$50,000

60 Month

Bank

0.98x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	450	315
2	50,450	454	318
3	50,904	458	321
4	51,362	462	324
5	51,824	466	326
6	52,291	471	329
7	52,761	475	332
8	53,236	479	335
9	53,715	483	338
10	54,199	488	341
11	54,687	492	345
12	55,179	497	348
13	55,675	501	351
14	56,177	506	354
15	56,682	510	357
16	57,192	515	360
17	57,707	519	364
18	58,226	524	367
19	58,750	529	370
20	59,279	534	373
	TOTAL	$9,813	$6,869

LOCAL MONEY MARKET

The Bank of Clarendon

0.15%

$50,000

N.A.

Bank

0.16x (National Avg. - 0.92%)

$10,000

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

LOCAL CD

EXPLORERS

0.50%

$50,000

12 Month

Credit Union

0.91x (National Avg. - 0.55%)

$10,000

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

LOCAL CD

EXPLORERS

0.30%

$50,000

6 Month

Credit Union

0.74x (National Avg. - 0.41%)

$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

LOCAL CD

SERVICE FIRST

0.15%

$50,000

6 Month

Credit Union

0.37x (National Avg. - 0.41%)

$10,000

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

LOCAL CD

SIOUX FALLS

0.30%

$50,000

6 Month

Credit Union

0.74x (National Avg. - 0.41%)

$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

LOCAL CD

U. T.

0.55%

$50,000

18 Month

Credit Union

0.95x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	275	193
2	50,275	277	194
3	50,552	278	195
4	50,830	280	196
5	51,109	281	197
6	51,390	283	198
7	51,673	284	199
8	51,957	286	200
9	52,243	287	201
10	52,530	289	202
11	52,819	291	203
12	53,110	292	204
13	53,402	294	206
14	53,695	295	207
15	53,991	297	208
16	54,288	299	209
17	54,586	300	210
18	54,886	302	211
19	55,188	304	212
20	55,492	305	214
	TOTAL	$5,797	$4,058

LOCAL CD

U. T.

0.65%

$50,000

18 Month

Credit Union

1.12x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 0.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	325	228
2	50,325	327	229
3	50,652	329	230
4	50,981	331	232
5	51,313	334	233
6	51,646	336	235
7	51,982	338	237
8	52,320	340	238
9	52,660	342	240
10	53,002	345	241
11	53,347	347	243
12	53,693	349	244
13	54,042	351	246
14	54,394	354	247
15	54,747	356	249
16	55,103	358	251
17	55,461	360	252
18	55,822	363	254
19	56,185	365	256
20	56,550	368	257
	TOTAL	$6,917	$4,842

LOCAL CD

FIRST STATE BANK OF THE SOUTHEAST, INC

0.50%

$50,000

36 Month

Bank

0.66x (National Avg. - 0.75%)

$10,000

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

LOCAL CD

FIRST STATE BANK OF THE SOUTHEAST, INC

0.15%

$50,000

6 Month

Bank

0.37x (National Avg. - 0.41%)

$10,000

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

LOCAL CD

First Security State Bank

1.05%

$50,000

60 Month

Bank

1.14x (National Avg. - 0.92%)

$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

LOCAL MONEY MARKET

First Security State Bank

0.10%

$50,000

N.A.

Bank

0.11x (National Avg. - 0.92%)

$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

LOCAL CD

Security State Bank

0.40%

$50,000

12 Month

Bank

0.73x (National Avg. - 0.55%)

$100,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	201	140
2	50,201	201	141
3	50,402	202	141
4	50,604	203	142
5	50,807	204	143
6	51,011	205	143
7	51,215	205	144
8	51,420	206	144
9	51,627	207	145
10	51,834	208	145
11	52,042	209	146
12	52,250	210	147
13	52,460	210	147
14	52,670	211	148
15	52,881	212	148
16	53,093	213	149
17	53,306	214	150
18	53,520	215	150
19	53,735	215	151
20	53,950	216	151
	TOTAL	$4,166	$2,917

LOCAL CD

Veritex Community Bank

0.40%

$50,000

36 Month

Bank

0.53x (National Avg. - 0.75%)

$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 MONEY MARKET

TEXANS

0.05%

$50,000

N.A.

Credit Union

0.07x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	25	18
2	50,025	25	18
3	50,050	25	18
4	50,075	25	18
5	50,100	25	18
6	50,125	25	18
7	50,150	25	18
8	50,175	25	18
9	50,200	25	18
10	50,225	25	18
11	50,251	25	18
12	50,276	25	18
13	50,301	25	18
14	50,326	25	18
15	50,351	25	18
16	50,376	25	18
17	50,402	25	18
18	50,427	25	18
19	50,452	25	18
20	50,477	25	18
	TOTAL	$502	$352

LOCAL CD

Benchmark Bank

0.25%

$50,000

6 Month

Bank

0.62x (National Avg. - 0.41%)

$100,000

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

LOCAL CD

COMMONWEALTH BUSINESS BANK

0.55%

$50,000

12 Month

Bank

1.00x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	275	193
2	50,275	277	194
3	50,552	278	195
4	50,830	280	196
5	51,109	281	197
6	51,390	283	198
7	51,673	284	199
8	51,957	286	200
9	52,243	287	201
10	52,530	289	202
11	52,819	291	203
12	53,110	292	204
13	53,402	294	206
14	53,695	295	207
15	53,991	297	208
16	54,288	299	209
17	54,586	300	210
18	54,886	302	211
19	55,188	304	212
20	55,492	305	214
	TOTAL	$5,797	$4,058

LOCAL MONEY MARKET

0.25%

$50,000

N.A.

Credit Union

0.45x (National Avg. - 0.55%)

$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

100

LOCAL MONEY MARKET

FIRST CLASS AMERICAN

0.35%

$50,000

N.A.

Credit Union

0.64x (National Avg. - 0.55%)

$25,000

SCENARIO

Year	Rate 0.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	176	123
2	50,176	176	123
3	50,352	177	124
4	50,528	177	124
5	50,706	178	125
6	50,884	179	125
7	51,062	179	125
8	51,242	180	126
9	51,421	180	126
10	51,602	181	127
11	51,783	182	127
12	51,965	182	128
13	52,147	183	128
14	52,330	184	129
15	52,514	184	129
16	52,698	185	129
17	52,883	186	130
18	53,069	186	130
19	53,255	187	131
20	53,442	188	131
	TOTAL	$3,630	$2,541

101

LOCAL CD

The First National Bank of Tom Bean

0.40%

$50,000

6 Month

Bank

0.99x (National Avg. - 0.41%)

$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

102

LOCAL CD

Community National Bank

0.20%

$50,000

6 Month

Bank

0.49x (National Avg. - 0.41%)

$10,000

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

103

LOCAL SAVINGS

FIRST ABILENE

0.10%

$50,000

N.A.

Credit Union

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

104

LOCAL CD

MCBank

0.35%

$50,000

12 Month

Bank

0.63x (National Avg. - 0.55%)

$10,000

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

105

LOCAL CD

MCBank

0.80%

$50,000

60 Month

Bank

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

106

LOCAL MONEY MARKET

FIRST CENTRAL

0.35%

$50,000

N.A.

Credit Union

0.38x (National Avg. - 0.92%)

$10,000

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

107

LOCAL CD

UBank

0.50%

$50,000

6 Month

Bank

1.23x (National Avg. - 0.41%)

$10,000

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

108

LOCAL MONEY MARKET

DOCHES

0.30%

$50,000

N.A.

Credit Union

0.74x (National Avg. - 0.41%)

$2,500

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

109

LOCAL MONEY MARKET

MCT

0.30%

$50,000

N.A.

Credit Union

0.74x (National Avg. - 0.41%)

$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

110

LOCAL SAVINGS

MCT

0.25%

$50,000

N.A.

Credit Union

1.11x (National Avg. - 0.23%)

$2,500

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

111

LOCAL CD

R Bank

0.75%

$50,000

12 Month

Bank

1.36x (National Avg. - 0.55%)

$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

112

LOCAL MONEY MARKET

R Bank

0.10%

$50,000

N.A.

Bank

0.18x (National Avg. - 0.55%)

$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

113

LOCAL SAVINGS

AUSTIN TELCO

0.10%

$50,000

N.A.

Credit Union

0.44x (National Avg. - 0.23%)

$100

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

114

LOCAL CD

The First National Bank of Anderson

0.50%

$50,000

12 Month

Bank

0.91x (National Avg. - 0.55%)

$1,000

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

115

LOCAL CD

Citizens State Bank of Luling

0.95%

$50,000

36 Month

Bank

1.26x (National Avg. - 0.75%)

$1,000

SCENARIO

Year	Rate 0.95%	Annual Interest	Annual Interest (After Tax)
1	50,000	475	333
2	50,475	480	336
3	50,955	484	339
4	51,439	489	342
5	51,927	493	345
6	52,421	498	349
7	52,919	503	352
8	53,421	508	355
9	53,929	512	359
10	54,441	517	362
11	54,958	522	365
12	55,480	527	369
13	56,007	532	372
14	56,540	537	376
15	57,077	542	380
16	57,619	547	383
17	58,166	553	387
18	58,719	558	390
19	59,277	563	394
20	59,840	568	398
	TOTAL	$10,408	$7,286

116

LOCAL CD

The First National Bank of Bastrop

0.45%

$50,000

6 Month

Bank

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

117

LOCAL MONEY MARKET

The First State Bank

0.05%

$50,000

N.A.

Bank

0.12x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	25	18
2	50,025	25	18
3	50,050	25	18
4	50,075	25	18
5	50,100	25	18
6	50,125	25	18
7	50,150	25	18
8	50,175	25	18
9	50,200	25	18
10	50,225	25	18
11	50,251	25	18
12	50,276	25	18
13	50,301	25	18
14	50,326	25	18
15	50,351	25	18
16	50,376	25	18
17	50,402	25	18
18	50,427	25	18
19	50,452	25	18
20	50,477	25	18
	TOTAL	$502	$352

118

LOCAL CD

First State Bank of San Diego

1.00%

$50,000

36 Month

Bank

1.33x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

119

LOCAL MONEY MARKET

The Lytle State Bank of Lytle, Texas

0.15%

$50,000

N.A.

Bank

0.20x (National Avg. - 0.75%)

$10,000

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

120

LOCAL CD

Greater State Bank

1.26%

$50,000

48 Month

Bank

1.55x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 1.26%	Annual Interest	Annual Interest (After Tax)
1	50,000	630	441
2	50,630	638	447
3	51,268	646	452
4	51,914	654	458
5	52,568	662	464
6	53,230	671	469
7	53,901	679	475
8	54,580	688	481
9	55,268	696	487
10	55,964	705	494
11	56,669	714	500
12	57,384	723	506
13	58,107	732	512
14	58,839	741	519
15	59,580	751	525
16	60,331	760	532
17	61,091	770	539
18	61,861	779	546
19	62,640	789	552
20	63,429	799	559
	TOTAL	$14,229	$9,960

121

LOCAL CD

The First National Bank of McGregor

1.15%

$50,000

36 Month

Bank

1.53x (National Avg. - 0.75%)

$10,000

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

122

LOCAL CD

The First National Bank of McGregor

0.35%

$50,000

6 Month

Bank

0.86x (National Avg. - 0.41%)

$10,000

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

123

N.A.

The First National Bank of McGregor

0.10%

$50,000

N.A.

Bank

0.25x (National Avg. - 0.41%)

$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

124

LOCAL CD

Spring Hill State Bank

1.26%

$50,000

60 Month

Bank

1.37x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.26%	Annual Interest	Annual Interest (After Tax)
1	50,000	630	441
2	50,630	638	447
3	51,268	646	452
4	51,914	654	458
5	52,568	662	464
6	53,230	671	469
7	53,901	679	475
8	54,580	688	481
9	55,268	696	487
10	55,964	705	494
11	56,669	714	500
12	57,384	723	506
13	58,107	732	512
14	58,839	741	519
15	59,580	751	525
16	60,331	760	532
17	61,091	770	539
18	61,861	779	546
19	62,640	789	552
20	63,429	799	559
	TOTAL	$14,229	$9,960

125

LOCAL MONEY MARKET

PROGRESSIONS

0.20%

$50,000

N.A.

Credit Union

0.22x (National Avg. - 0.92%)

$10,000

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

126

LOCAL MONEY MARKET

FOX COMMUNITIES

0.45%

$50,000

N.A.

Credit Union

0.49x (National Avg. - 0.92%)

$25,000

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

127

LOCAL SAVINGS

PCM

0.30%

$50,000

N.A.

Credit Union

1.33x (National Avg. - 0.23%)

$2,500

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

128

LOCAL SAVINGS

BLACKHAWK COMMUNITY

0.10%

$50,000

N.A.

Credit Union

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

129

LOCAL SAVINGS

Community First Bank

0.03%

$50,000

N.A.

Bank

0.13x (National Avg. - 0.23%)

$2,500

SCENARIO

Year	Rate 0.03%	Annual Interest	Annual Interest (After Tax)
1	50,000	15	11
2	50,015	15	11
3	50,030	15	11
4	50,045	15	11
5	50,060	15	11
6	50,075	15	11
7	50,090	15	11
8	50,105	15	11
9	50,120	15	11
10	50,135	15	11
11	50,150	15	11
12	50,165	15	11
13	50,180	15	11
14	50,195	15	11
15	50,210	15	11
16	50,225	15	11
17	50,241	15	11
18	50,256	15	11
19	50,271	15	11
20	50,286	15	11
	TOTAL	$301	$211

130

LOCAL MONEY MARKET

DUPACO COMMUNITY

0.40%

$50,000

N.A.

Credit Union

1.78x (National Avg. - 0.23%)

$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

131

LOCAL SAVINGS

R.I.A.

0.10%

$50,000

N.A.

Credit Union

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

132

LOCAL SAVINGS

BLC Community Bank

0.15%

$50,000

N.A.

Bank

0.67x (National Avg. - 0.23%)

$2,500

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

133

LOCAL MONEY MARKET

MCU FINANCIAL CENTER

0.12%

$50,000

N.A.

Credit Union

0.53x (National Avg. - 0.23%)

$25,000

SCENARIO

Year	Rate 0.12%	Annual Interest	Annual Interest (After Tax)
1	50,000	60	42
2	50,060	60	42
3	50,120	60	42
4	50,180	60	42
5	50,240	60	42
6	50,301	60	42
7	50,361	60	42
8	50,422	61	42
9	50,482	61	42
10	50,543	61	42
11	50,603	61	43
12	50,664	61	43
13	50,725	61	43
14	50,786	61	43
15	50,847	61	43
16	50,908	61	43
17	50,969	61	43
18	51,030	61	43
19	51,091	61	43
20	51,152	61	43
	TOTAL	$1,214	$850

134

LOCAL CD

Champlain National Bank

1.26%

$50,000

36 Month

Bank

1.67x (National Avg. - 0.75%)

$500

SCENARIO

Year	Rate 1.26%	Annual Interest	Annual Interest (After Tax)
1	50,000	630	441
2	50,630	638	447
3	51,268	646	452
4	51,914	654	458
5	52,568	662	464
6	53,230	671	469
7	53,901	679	475
8	54,580	688	481
9	55,268	696	487
10	55,964	705	494
11	56,669	714	500
12	57,384	723	506
13	58,107	732	512
14	58,839	741	519
15	59,580	751	525
16	60,331	760	532
17	61,091	770	539
18	61,861	779	546
19	62,640	789	552
20	63,429	799	559
	TOTAL	$14,229	$9,960

135

LOCAL CD

DELTA COMMUNITY

4.25%

$50,000

24 Month

Credit Union

6.44x (National Avg. - 0.66%)

$1,000

SCENARIO

Year	Rate 4.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,125	1,488
2	52,125	2,215	1,551
3	54,340	2,309	1,617
4	56,650	2,408	1,685
5	59,057	2,510	1,757
6	61,567	2,617	1,832
7	64,184	2,728	1,909
8	66,912	2,844	1,991
9	69,756	2,965	2,075
10	72,720	3,091	2,163
11	75,811	3,222	2,255
12	79,033	3,359	2,351
13	82,392	3,502	2,451
14	85,893	3,650	2,555
15	89,544	3,806	2,664
16	93,349	3,967	2,777
17	97,317	4,136	2,895
18	101,453	4,312	3,018
19	105,764	4,495	3,146
20	110,259	4,686	3,280
	TOTAL	$64,945	$45,462

136

LOCAL SAVINGS

ONPOINT COMMUNITY

5.00%

$50,000

N.A.

Credit Union

22.22x (National Avg. - 0.23%)

SCENARIO

Year	Rate 5.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,500	1,750
2	52,500	2,625	1,838
3	55,125	2,756	1,929
4	57,881	2,894	2,026
5	60,775	3,039	2,127
6	63,814	3,191	2,233
7	67,005	3,350	2,345
8	70,355	3,518	2,462
9	73,873	3,694	2,586
10	77,566	3,878	2,715
11	81,445	4,072	2,851
12	85,517	4,276	2,993
13	89,793	4,490	3,143
14	94,282	4,714	3,300
15	98,997	4,950	3,465
16	103,946	5,197	3,638
17	109,144	5,457	3,820
18	114,601	5,730	4,011
19	120,331	6,017	4,212
20	126,348	6,317	4,422
	TOTAL	$82,665	$57,865

137

LOCAL MONEY MARKET

ONPOINT COMMUNITY

0.15%

$50,000

N.A.

Credit Union

0.67x (National Avg. - 0.23%)

$50,000

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

138

LOCAL CD

WEYCO COMMUNITY

5.22%

$50,000

12 Month

Credit Union

9.46x (National Avg. - 0.55%)

$500

SCENARIO

Year	Rate 5.22%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,610	1,827
2	52,610	2,746	1,922
3	55,356	2,890	2,023
4	58,246	3,040	2,128
5	61,286	3,199	2,239
6	64,485	3,366	2,356
7	67,852	3,542	2,479
8	71,393	3,727	2,609
9	75,120	3,921	2,745
10	79,041	4,126	2,888
11	83,167	4,341	3,039
12	87,509	4,568	3,198
13	92,077	4,806	3,364
14	96,883	5,057	3,540
15	101,940	5,321	3,725
16	107,262	5,599	3,919
17	112,861	5,891	4,124
18	118,752	6,199	4,339
19	124,951	6,522	4,566
20	131,473	6,863	4,804
	TOTAL	$88,336	$61,835

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%	$5,000	Learn More
Last change: ↑0.15% on March 22.
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.
Goldman Sachs Bank	4.50%	$500	Learn More
Last change: ↓0.50% on February 25.

Compare Savings vs. CDs Comparison of Deposit Account from ONPOINT COMMUNITY with 0.15% - April 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from ONPOINT COMMUNITY with 0.15% - April 2025