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Comparison of Deposit Account from PROVIDENT with 2.56% - April 2025


Long-Term Analysis of MID-ATLANTIC with 0.80% APY and PROVIDENT with 2.56% APY and LAS COLINAS with 3.50% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    MID-ATLANTIC
    0.80%
    -
    $50,000
    60 Month
    Credit Union
    0.87x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 401 281
    2 50,401 404 283
    3 50,805 407 285
    4 51,213 411 288
    5 51,623 414 290
    6 52,037 417 292
    7 52,455 421 294
    8 52,875 424 297
    9 53,300 427 299
    10 53,727 431 302
    11 54,158 434 304
    12 54,592 438 306
    13 55,030 441 309
    14 55,471 445 311
    15 55,916 448 314
    16 56,365 452 316
    17 56,817 456 319
    18 57,272 459 322
    19 57,732 463 324
    20 58,195 467 327
    TOTAL $8,661 $6,063
  • 2
    LOCAL CD
    PROVIDENT
    2.56%
    -
    $50,000
    60 Month
    Credit Union
    2.79x (National Avg. - 0.92%)
    $1,000
     
    SCENARIO
    Year Rate
    2.56%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,280 896
    2 51,280 1,313 919
    3 52,593 1,346 942
    4 53,939 1,381 967
    5 55,320 1,416 991
    6 56,736 1,452 1,017
    7 58,189 1,490 1,043
    8 59,678 1,528 1,069
    9 61,206 1,567 1,097
    10 62,773 1,607 1,125
    11 64,380 1,648 1,154
    12 66,028 1,690 1,183
    13 67,718 1,734 1,214
    14 69,452 1,778 1,245
    15 71,230 1,823 1,276
    16 73,053 1,870 1,309
    17 74,924 1,918 1,343
    18 76,842 1,967 1,377
    19 78,809 2,018 1,412
    20 80,826 2,069 1,448
    TOTAL $32,895 $23,027
  • 3
    LOCAL CD
    LAS COLINAS
    3.50%
    -
    $50,000
    48 Month
    Credit Union
    4.29x (National Avg. - 0.82%)
    $1,000
     
    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

    All calculations are for demonstration purposes only.

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