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Comparison of Deposit Account from PEOPLE DRIVEN with 0.40% - April 2025


Long-Term Analysis of PEOPLE DRIVEN with 0.40% APY and Bell Bank with 2.77% 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
    PEOPLE DRIVEN
    0.40%
    -
    $50,000
    24 Month
    Credit Union
    0.61x (National Avg. - 0.66%)
    $100,000
     
    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
  • 2
    LOCAL CD
    Bell Bank
    2.77%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    2.77%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,385 970
    2 51,385 1,423 996
    3 52,808 1,463 1,024
    4 54,271 1,503 1,052
    5 55,774 1,545 1,081
    6 57,319 1,588 1,111
    7 58,907 1,632 1,142
    8 60,539 1,677 1,174
    9 62,216 1,723 1,206
    10 63,939 1,771 1,240
    11 65,710 1,820 1,274
    12 67,530 1,871 1,309
    13 69,401 1,922 1,346
    14 71,323 1,976 1,383
    15 73,299 2,030 1,421
    16 75,330 2,087 1,461
    17 77,416 2,144 1,501
    18 79,561 2,204 1,543
    19 81,764 2,265 1,585
    20 84,029 2,328 1,629
    TOTAL $36,357 $25,450

    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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