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Comparison of Deposit Account from PREMIER AMERICA with 3.00% - April 2025


Long-Term Analysis of Dakota Heritage Bank with 0.20% APY and PREMIER AMERICA with 3.00% APY and COLORADO with 4.25% APY and COLORADO with 4.90% APY and Amerasia Bank with 0.30% APY and United Community Bank with 0.30% APY and Liberty National Bank with 0.10% APY and CREDIT HUMAN with 4.31% 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

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL MONEY MARKET
    Dakota Heritage Bank
    0.20%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $25,000
     
    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
  • 2
    LOCAL CD
    PREMIER AMERICA
    3.00%
    -
    $50,000
    48 Month
    Credit Union
    3.68x (National Avg. - 0.82%)
    $10,000
     
    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
  • 3
    LOCAL CD
    COLORADO
    4.25%
    -
    $50,000
    24 Month
    Credit Union
    6.44x (National Avg. - 0.66%)
    $100,000
     
    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
  • 4
    LOCAL CD
    COLORADO
    4.90%
    -
    $50,000
    6 Month
    Credit Union
    12.07x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    4.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,450 1,715
    2 52,450 2,570 1,799
    3 55,020 2,696 1,887
    4 57,716 2,828 1,980
    5 60,544 2,967 2,077
    6 63,511 3,112 2,178
    7 66,623 3,265 2,285
    8 69,887 3,424 2,397
    9 73,312 3,592 2,515
    10 76,904 3,768 2,638
    11 80,672 3,953 2,767
    12 84,625 4,147 2,903
    13 88,772 4,350 3,045
    14 93,122 4,563 3,194
    15 97,685 4,787 3,351
    16 102,471 5,021 3,515
    17 107,492 5,267 3,687
    18 112,760 5,525 3,868
    19 118,285 5,796 4,057
    20 124,081 6,080 4,256
    TOTAL $80,161 $56,112
  • 5
    LOCAL SAVINGS
    Amerasia Bank
    0.30%
    -
    $50,000
    N.A.
    Bank
    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
  • 6
    LOCAL MONEY MARKET
    United Community Bank
    0.30%
    -
    $50,000
    N.A.
    Bank
    1.33x (National Avg. - 0.23%)
    $25,000
     
    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
  • 7
    LOCAL CD
    Liberty National Bank
    0.10%
    -
    $50,000
    6 Month
    Bank
    0.25x (National Avg. - 0.41%)
    $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
  • 8
    LOCAL CD
    CREDIT HUMAN
    4.31%
    -
    $50,000
    84 Month
    Credit Union
    N.A.
    $500
     
    SCENARIO
    Year Rate
    4.31%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,155 1,509
    2 52,155 2,248 1,574
    3 54,403 2,345 1,641
    4 56,748 2,446 1,712
    5 59,193 2,551 1,786
    6 61,745 2,661 1,863
    7 64,406 2,776 1,943
    8 67,182 2,896 2,027
    9 70,077 3,020 2,114
    10 73,098 3,151 2,205
    11 76,248 3,286 2,300
    12 79,534 3,428 2,400
    13 82,962 3,576 2,503
    14 86,538 3,730 2,611
    15 90,268 3,891 2,723
    16 94,158 4,058 2,841
    17 98,217 4,233 2,963
    18 102,450 4,416 3,091
    19 106,865 4,606 3,224
    20 111,471 4,804 3,363
    TOTAL $66,276 $46,393

    All calculations are for demonstration purposes only.

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