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Comparison of Deposit Account from Ridgewood Savings Bank with 0.25% - April 2025

Long-Term Analysis of Legence Bank with 0.05% APY and Herring Bank with 0.85% APY and PARTNERS 1ST with 0.03% APY and WELD COMMUNITY with 0.75% APY and Champion Bank with 1.26% APY and InBank with 0.02% APY and CHARTER OAK with 0.05% APY and EVERENCE with 0.40% APY and MIAMI with 0.50% APY and GEORGIA'S OWN with 2.00% APY and Wilkinson County Bank with 0.75% APY and Luana Savings Bank with 2.48% APY and Prairie State Bank and Trust with 0.08% APY and Longview Bank with 1.00% APY and Longview Bank with 0.40% APY and Old National Bank with 0.05% APY and First National Bank of Waterloo with 0.35% APY and First National Bank of Waterloo with 0.30% APY and PARTNERS 1ST with 0.20% APY and OUACHITA VALLEY with 1.21% APY and FIRST PIONEERS with 0.40% APY and ST. ANNE'S with 0.05% APY and ChoiceOne Bank with 0.60% APY and St. Clair State Bank (Incorporated) with 0.20% APY and Alliance Bank with 0.95% APY and WESTSTAR with 1.10% APY and CAPITAL COMMUNICATIONS with 1.35% APY and GOOD NEIGHBORS with 0.55% APY and CORNING with 4.10% APY and FIRST NEW YORK with 0.10% APY and INNER LAKES with 2.02% APY and Ridgewood Savings Bank with 0.25% APY and PEOPLE'S ALLIANCE with 1.07% APY and PEOPLE'S ALLIANCE with 0.30% APY and PEOPLE'S ALLIANCE with 0.10% APY and HUDSON RIVER FINANCIAL with 0.20% APY and Valliance Bank with 0.25% APY and CAPROCK with 0.10% APY and SAN ANGELO with 0.75% APY and GULF with 0.30% APY and PARTNERS 1ST with 0.45% APY and First Bank of the Lake with 4.50% APY and First Bank of the Lake with 4.05% APY and Fidelity Co-operative Bank with 4.10% APY and The Savings Bank with 4.15% 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

LOCAL MONEY MARKET

Legence Bank

0.05%

$50,000

N.A.

Bank

N.A.

$100

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

Herring Bank

0.85%

$50,000

60 Month

Bank

0.93x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL SAVINGS

PARTNERS 1ST

0.03%

$50,000

N.A.

Credit Union

0.13x (National Avg. - 0.22%)

$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

LOCAL CD

WELD COMMUNITY

0.75%

$50,000

48 Month

Credit Union

0.92x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	377	264
2	50,377	379	266
3	50,756	382	268
4	51,138	385	270
5	51,523	388	272
6	51,911	391	274
7	52,302	394	276
8	52,696	397	278
9	53,093	400	280
10	53,492	403	282
11	53,895	406	284
12	54,301	409	286
13	54,710	412	288
14	55,122	415	291
15	55,537	418	293
16	55,955	421	295
17	56,376	425	297
18	56,801	428	299
19	57,229	431	302
20	57,660	434	304
	TOTAL	$8,094	$5,666

LOCAL CD

Champion Bank

1.26%

$50,000

36 Month

Bank

1.67x (National Avg. - 0.75%)

$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

LOCAL MONEY MARKET

InBank

0.02%

$50,000

N.A.

Bank

0.03x (National Avg. - 0.75%)

$2,500

SCENARIO

Year	Rate 0.02%	Annual Interest	Annual Interest (After Tax)
1	50,000	10	7
2	50,010	10	7
3	50,020	10	7
4	50,030	10	7
5	50,040	10	7
6	50,050	10	7
7	50,060	10	7
8	50,070	10	7
9	50,080	10	7
10	50,090	10	7
11	50,100	10	7
12	50,110	10	7
13	50,120	10	7
14	50,130	10	7
15	50,140	10	7
16	50,150	10	7
17	50,160	10	7
18	50,170	10	7
19	50,180	10	7
20	50,190	10	7
	TOTAL	$200	$140

LOCAL SAVINGS

CHARTER OAK

0.05%

$50,000

N.A.

Credit Union

0.22x (National Avg. - 0.22%)

$2,500

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

EVERENCE

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

MIAMI

0.50%

$50,000

12 Month

Credit Union

0.91x (National Avg. - 0.55%)

$200

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 MONEY MARKET

GEORGIA'S OWN

2.00%

$50,000

N.A.

Credit Union

3.63x (National Avg. - 0.55%)

$100,000

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

Wilkinson County Bank

0.75%

$50,000

24 Month

Bank

1.14x (National Avg. - 0.66%)

$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 MONEY MARKET

Luana Savings Bank

2.48%

$50,000

N.A.

Bank

3.76x (National Avg. - 0.66%)

SCENARIO

Year	Rate 2.48%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,240	868
2	51,240	1,271	890
3	52,511	1,302	912
4	53,813	1,335	934
5	55,148	1,368	957
6	56,515	1,402	981
7	57,917	1,436	1,005
8	59,353	1,472	1,030
9	60,825	1,508	1,056
10	62,334	1,546	1,082
11	63,879	1,584	1,109
12	65,464	1,623	1,136
13	67,087	1,664	1,165
14	68,751	1,705	1,194
15	70,456	1,747	1,223
16	72,203	1,791	1,253
17	73,994	1,835	1,285
18	75,829	1,881	1,316
19	77,709	1,927	1,349
20	79,637	1,975	1,382
	TOTAL	$31,612	$22,128

LOCAL MONEY MARKET

Prairie State Bank and Trust

0.08%

$50,000

N.A.

Bank

0.12x (National Avg. - 0.66%)

$2,500

SCENARIO

Year	Rate 0.08%	Annual Interest	Annual Interest (After Tax)
1	50,000	40	28
2	50,040	40	28
3	50,080	40	28
4	50,120	40	28
5	50,160	40	28
6	50,200	40	28
7	50,240	40	28
8	50,281	40	28
9	50,321	40	28
10	50,361	40	28
11	50,401	40	28
12	50,442	40	28
13	50,482	40	28
14	50,523	40	28
15	50,563	40	28
16	50,603	40	28
17	50,644	41	28
18	50,684	41	28
19	50,725	41	28
20	50,765	41	28
	TOTAL	$806	$564

LOCAL CD

Longview Bank

1.00%

$50,000

48 Month

Bank

1.23x (National Avg. - 0.82%)

$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

LOCAL CD

Longview Bank

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

LOCAL MONEY MARKET

Old National Bank

0.05%

$50,000

N.A.

Bank

0.12x (National Avg. - 0.41%)

$25,000

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

First National Bank of Waterloo

0.35%

$50,000

12 Month

Bank

0.64x (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 SAVINGS

First National Bank of Waterloo

0.30%

$50,000

N.A.

Bank

1.34x (National Avg. - 0.22%)

$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

LOCAL MONEY MARKET

PARTNERS 1ST

0.20%

$50,000

N.A.

Credit Union

0.89x (National Avg. - 0.22%)

$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

LOCAL CD

OUACHITA VALLEY

1.21%

$50,000

24 Month

Credit Union

1.83x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 1.21%	Annual Interest	Annual Interest (After Tax)
1	50,000	605	424
2	50,605	612	429
3	51,217	620	434
4	51,837	627	439
5	52,464	635	444
6	53,099	642	450
7	53,742	650	455
8	54,392	658	461
9	55,050	666	466
10	55,716	674	472
11	56,390	682	478
12	57,073	691	483
13	57,763	699	489
14	58,462	707	495
15	59,170	716	501
16	59,885	725	507
17	60,610	733	513
18	61,343	742	520
19	62,086	751	526
20	62,837	760	532
	TOTAL	$13,597	$9,518

LOCAL CD

FIRST PIONEERS

0.40%

$50,000

6 Month

Credit Union

0.99x (National Avg. - 0.41%)

$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

LOCAL CD

ST. ANNE'S

0.05%

$50,000

12 Month

Credit Union

0.09x (National Avg. - 0.55%)

$500

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

ChoiceOne Bank

0.60%

$50,000

48 Month

Bank

0.74x (National Avg. - 0.82%)

$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 SAVINGS

St. Clair State Bank (Incorporated)

0.20%

$50,000

N.A.

Bank

0.89x (National Avg. - 0.22%)

$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

Alliance Bank

0.95%

$50,000

30 Month

Bank

N.A.

$10,000

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

LOCAL CD

WESTSTAR

1.10%

$50,000

60 Month

Credit Union

1.20x (National Avg. - 0.92%)

$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

CAPITAL COMMUNICATIONS

1.35%

$50,000

N.A.

Credit Union

1.47x (National Avg. - 0.92%)

$2,500

SCENARIO

Year	Rate 1.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	675	473
2	50,675	684	479
3	51,359	693	485
4	52,052	703	492
5	52,755	712	499
6	53,467	722	505
7	54,189	732	512
8	54,921	741	519
9	55,662	751	526
10	56,414	762	533
11	57,175	772	540
12	57,947	782	548
13	58,729	793	555
14	59,522	804	562
15	60,326	814	570
16	61,140	825	578
17	61,966	837	586
18	62,802	848	593
19	63,650	859	601
20	64,509	871	610
	TOTAL	$15,380	$10,766

LOCAL CD

GOOD NEIGHBORS

0.55%

$50,000

6 Month

Credit Union

1.35x (National Avg. - 0.41%)

$100,000

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

CORNING

4.10%

$50,000

6 Month

Credit Union

10.10x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 4.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,050	1,435
2	52,050	2,134	1,494
3	54,184	2,222	1,555
4	56,406	2,313	1,619
5	58,718	2,407	1,685
6	61,126	2,506	1,754
7	63,632	2,609	1,826
8	66,241	2,716	1,901
9	68,957	2,827	1,979
10	71,784	2,943	2,060
11	74,727	3,064	2,145
12	77,791	3,189	2,233
13	80,980	3,320	2,324
14	84,300	3,456	2,419
15	87,757	3,598	2,519
16	91,355	3,746	2,622
17	95,100	3,899	2,729
18	98,999	4,059	2,841
19	103,058	4,225	2,958
20	107,284	4,399	3,079
	TOTAL	$61,682	$43,178

LOCAL MONEY MARKET

FIRST NEW YORK

0.10%

$50,000

N.A.

Credit Union

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 MONEY MARKET

INNER LAKES

2.02%

$50,000

N.A.

Credit Union

4.98x (National Avg. - 0.41%)

$5,000

SCENARIO

Year	Rate 2.02%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,010	707
2	51,010	1,030	721
3	52,040	1,051	736
4	53,092	1,072	751
5	54,164	1,094	766
6	55,258	1,116	781
7	56,374	1,139	797
8	57,513	1,162	813
9	58,675	1,185	830
10	59,860	1,209	846
11	61,069	1,234	864
12	62,303	1,259	881
13	63,561	1,284	899
14	64,845	1,310	917
15	66,155	1,336	935
16	67,492	1,363	954
17	68,855	1,391	974
18	70,246	1,419	993
19	71,665	1,448	1,013
20	73,112	1,477	1,034
	TOTAL	$24,589	$17,212

LOCAL MONEY MARKET

Ridgewood Savings Bank

0.25%

$50,000

N.A.

Bank

0.62x (National Avg. - 0.41%)

$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 CD

PEOPLE'S ALLIANCE

1.07%

$50,000

48 Month

Credit Union

1.31x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 1.07%	Annual Interest	Annual Interest (After Tax)
1	50,000	535	375
2	50,535	541	379
3	51,076	547	383
4	51,622	552	387
5	52,175	558	391
6	52,733	564	395
7	53,297	570	399
8	53,867	576	403
9	54,444	583	408
10	55,026	589	412
11	55,615	595	417
12	56,210	601	421
13	56,812	608	426
14	57,420	614	430
15	58,034	621	435
16	58,655	628	439
17	59,282	634	444
18	59,917	641	449
19	60,558	648	454
20	61,206	655	458
	TOTAL	$11,861	$8,303

LOCAL MONEY MARKET

PEOPLE'S ALLIANCE

0.30%

$50,000

N.A.

Credit Union

0.37x (National Avg. - 0.82%)

$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

LOCAL SAVINGS

PEOPLE'S ALLIANCE

0.10%

$50,000

N.A.

Credit Union

0.45x (National Avg. - 0.22%)

$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

HUDSON RIVER FINANCIAL

0.20%

$50,000

N.A.

Credit Union

0.89x (National Avg. - 0.22%)

$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

Valliance Bank

0.25%

$50,000

24 Month

Bank

0.38x (National Avg. - 0.66%)

$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 MONEY MARKET

CAPROCK

0.10%

$50,000

N.A.

Credit Union

0.15x (National Avg. - 0.66%)

$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

SAN ANGELO

0.75%

$50,000

18 Month

Credit Union

1.30x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	376	263
2	50,376	379	265
3	50,755	382	267
4	51,137	385	269
5	51,521	387	271
6	51,908	390	273
7	52,299	393	275
8	52,692	396	277
9	53,088	399	279
10	53,488	402	282
11	53,890	405	284
12	54,295	408	286
13	54,703	411	288
14	55,115	414	290
15	55,529	418	292
16	55,947	421	295
17	56,368	424	297
18	56,791	427	299
19	57,218	430	301
20	57,649	434	303
	TOTAL	$8,082	$5,658

LOCAL CD

GULF

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

PARTNERS 1ST

0.45%

$50,000

48 Month

Credit Union

0.55x (National Avg. - 0.82%)

$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

First Bank of the Lake

4.50%

$50,000

15 Month

Bank

N.A.

$5,000

SCENARIO

Year	Rate 4.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,250	1,575
2	52,250	2,351	1,646
3	54,601	2,457	1,720
4	57,058	2,568	1,797
5	59,626	2,683	1,878
6	62,309	2,804	1,963
7	65,113	2,930	2,051
8	68,043	3,062	2,143
9	71,105	3,200	2,240
10	74,305	3,344	2,341
11	77,648	3,494	2,446
12	81,143	3,651	2,556
13	84,794	3,816	2,671
14	88,610	3,987	2,791
15	92,597	4,167	2,917
16	96,764	4,354	3,048
17	101,119	4,550	3,185
18	105,669	4,755	3,329
19	110,424	4,969	3,478
20	115,393	5,193	3,635
	TOTAL	$70,586	$49,410

LOCAL CD

First Bank of the Lake

4.05%

$50,000

33 Month

Bank

N.A.

$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 CD

Fidelity Co-operative Bank

4.10%

$50,000

7 Month

Bank

N.A.

$500

SCENARIO

Year	Rate 4.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,050	1,435
2	52,050	2,134	1,494
3	54,184	2,222	1,555
4	56,406	2,313	1,619
5	58,718	2,407	1,685
6	61,126	2,506	1,754
7	63,632	2,609	1,826
8	66,241	2,716	1,901
9	68,957	2,827	1,979
10	71,784	2,943	2,060
11	74,727	3,064	2,145
12	77,791	3,189	2,233
13	80,980	3,320	2,324
14	84,300	3,456	2,419
15	87,757	3,598	2,519
16	91,355	3,746	2,622
17	95,100	3,899	2,729
18	98,999	4,059	2,841
19	103,058	4,225	2,958
20	107,284	4,399	3,079
	TOTAL	$61,682	$43,178

LOCAL CD

The Savings Bank

4.15%

$50,000

7 Month

Bank

N.A.

$1,000

SCENARIO

Year	Rate 4.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,075	1,453
2	52,075	2,161	1,513
3	54,236	2,251	1,576
4	56,487	2,344	1,641
5	58,831	2,441	1,709
6	61,273	2,543	1,780
7	63,815	2,648	1,854
8	66,464	2,758	1,931
9	69,222	2,873	2,011
10	72,095	2,992	2,094
11	75,087	3,116	2,181
12	78,203	3,245	2,272
13	81,448	3,380	2,366
14	84,828	3,520	2,464
15	88,349	3,666	2,567
16	92,015	3,819	2,673
17	95,834	3,977	2,784
18	99,811	4,142	2,900
19	103,953	4,314	3,020
20	108,267	4,493	3,145
	TOTAL	$62,760	$43,932

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%	$50,000	Learn More
Last change: ↓0.10% on February 9. 6 Month Jumbo CD.
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.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.

Compare Savings vs. CDs Comparison of Deposit Account from Ridgewood Savings Bank with 0.25% - April 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Ridgewood Savings Bank with 0.25% - April 2025