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Comparison of Deposit Account from SCHOOLSFIRST with 4.25% - March 2025

Long-Term Analysis of STATE EMPLOYEES CU OF MARYLAND, INC with 5.40% APY and STATE EMPLOYEES CU OF MARYLAND, INC with 2.00% APY and Plains Commerce Bank with 0.80% APY and SUNWEST with 0.40% APY and TUCSON with 0.30% APY and SCHOOLSFIRST with 4.25% APY and HARMONY with 0.25% APY and CoreFirst Bank & Trust with 0.70% APY and MINNEQUA WORKS with 5.30% APY and TRUGROCER with 0.30% APY and CREIGHTON with 0.40% APY and GREATER CHAUTAUQUA with 0.60% APY and TEG with 0.40% APY and SSB Community Bank with 0.50% APY and VIRGINIA CREDIT UNION, INC., with 2.45% APY and HAYWARD COMMUNITY with 0.15% APY and SCHOOLSFIRST with 4.20% APY and PUBLIX EMPLOYEES with 2.62% APY and STATE EMPLOYEES CU OF MARYLAND, INC with 0.20% APY and VIRGINIA CREDIT UNION, INC., with 3.81% 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 CD

STATE EMPLOYEES CU OF MARYLAND, INC

5.40%

$50,000

6 Month

Credit Union

13.30x (National Avg. - 0.41%)

$500

SCENARIO

Year	Rate 5.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,700	1,890
2	52,700	2,846	1,992
3	55,546	2,999	2,100
4	58,545	3,161	2,213
5	61,707	3,332	2,333
6	65,039	3,512	2,458
7	68,551	3,702	2,591
8	72,253	3,902	2,731
9	76,154	4,112	2,879
10	80,267	4,334	3,034
11	84,601	4,568	3,198
12	89,170	4,815	3,371
13	93,985	5,075	3,553
14	99,060	5,349	3,744
15	104,409	5,638	3,947
16	110,047	5,943	4,160
17	115,990	6,263	4,384
18	122,253	6,602	4,621
19	128,855	6,958	4,871
20	135,813	7,334	5,134
	TOTAL	$93,147	$65,203

LOCAL CD

STATE EMPLOYEES CU OF MARYLAND, INC

2.00%

$50,000

36 Month

Credit Union

2.65x (National Avg. - 0.75%)

$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

Plains Commerce Bank

0.80%

$50,000

24 Month

Bank

1.21x (National Avg. - 0.66%)

$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 CD

SUNWEST

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

TUCSON

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

SCHOOLSFIRST

4.25%

$50,000

60 Month

Credit Union

4.63x (National Avg. - 0.92%)

$500

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

HARMONY

0.25%

$50,000

6 Month

Credit Union

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

CoreFirst Bank & Trust

0.70%

$50,000

24 Month

Bank

1.06x (National Avg. - 0.66%)

$10,000

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

MINNEQUA WORKS

5.30%

$50,000

6 Month

Credit Union

13.06x (National Avg. - 0.41%)

$500

SCENARIO

Year	Rate 5.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,651	1,856
2	52,651	2,792	1,954
3	55,443	2,940	2,058
4	58,382	3,095	2,167
5	61,478	3,260	2,282
6	64,737	3,432	2,403
7	68,169	3,614	2,530
8	71,784	3,806	2,664
9	75,590	4,008	2,805
10	79,598	4,220	2,954
11	83,818	4,444	3,111
12	88,262	4,680	3,276
13	92,941	4,928	3,449
14	97,869	5,189	3,632
15	103,058	5,464	3,825
16	108,522	5,754	4,028
17	114,276	6,059	4,241
18	120,335	6,380	4,466
19	126,715	6,718	4,703
20	133,434	7,075	4,952
	TOTAL	$90,508	$63,356

LOCAL CD

TRUGROCER

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

CREIGHTON

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

GREATER CHAUTAUQUA

0.60%

$50,000

6 Month

Credit Union

1.48x (National Avg. - 0.41%)

$10,000

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

TEG

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

SSB Community Bank

0.50%

$50,000

24 Month

Bank

0.76x (National Avg. - 0.66%)

$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

VIRGINIA CREDIT UNION, INC.,

2.45%

$50,000

6 Month

Credit Union

6.03x (National Avg. - 0.41%)

$500

SCENARIO

Year	Rate 2.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,225	858
2	51,225	1,255	879
3	52,480	1,286	900
4	53,766	1,317	922
5	55,083	1,350	945
6	56,433	1,383	968
7	57,815	1,416	992
8	59,232	1,451	1,016
9	60,683	1,487	1,041
10	62,170	1,523	1,066
11	63,693	1,560	1,092
12	65,253	1,599	1,119
13	66,852	1,638	1,147
14	68,490	1,678	1,175
15	70,168	1,719	1,203
16	71,887	1,761	1,233
17	73,648	1,804	1,263
18	75,452	1,849	1,294
19	77,301	1,894	1,326
20	79,195	1,940	1,358
	TOTAL	$31,135	$21,795

LOCAL CD

HAYWARD COMMUNITY

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

SCHOOLSFIRST

4.20%

$50,000

12 Month

Credit Union

7.61x (National Avg. - 0.55%)

$20,000

SCENARIO

Year	Rate 4.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,100	1,470
2	52,100	2,188	1,532
3	54,288	2,280	1,596
4	56,568	2,376	1,663
5	58,944	2,476	1,733
6	61,420	2,580	1,806
7	63,999	2,688	1,882
8	66,687	2,801	1,961
9	69,488	2,919	2,043
10	72,407	3,041	2,129
11	75,448	3,169	2,218
12	78,617	3,302	2,311
13	81,919	3,441	2,408
14	85,359	3,585	2,510
15	88,944	3,736	2,615
16	92,680	3,893	2,725
17	96,573	4,056	2,839
18	100,629	4,226	2,958
19	104,855	4,404	3,083
20	109,259	4,589	3,212
	TOTAL	$63,848	$44,693

LOCAL CD

PUBLIX EMPLOYEES

2.62%

$50,000

6 Month

Credit Union

6.45x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 2.62%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,310	917
2	51,310	1,344	941
3	52,654	1,380	966
4	54,034	1,416	991
5	55,450	1,453	1,017
6	56,902	1,491	1,044
7	58,393	1,530	1,071
8	59,923	1,570	1,099
9	61,493	1,611	1,128
10	63,104	1,653	1,157
11	64,758	1,697	1,188
12	66,454	1,741	1,219
13	68,195	1,787	1,251
14	69,982	1,834	1,283
15	71,815	1,882	1,317
16	73,697	1,931	1,352
17	75,628	1,981	1,387
18	77,609	2,033	1,423
19	79,643	2,087	1,461
20	81,729	2,141	1,499
	TOTAL	$33,871	$23,709

LOCAL MONEY MARKET

STATE EMPLOYEES CU OF MARYLAND, INC

0.20%

$50,000

N.A.

Credit Union

0.49x (National Avg. - 0.41%)

$100,000

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

VIRGINIA CREDIT UNION, INC.,

3.81%

$50,000

60 Month

Credit Union

4.15x (National Avg. - 0.92%)

$5,000

SCENARIO

Year	Rate 3.81%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,905	1,334
2	51,905	1,978	1,384
3	53,883	2,053	1,437
4	55,936	2,131	1,492
5	58,067	2,212	1,549
6	60,279	2,297	1,608
7	62,576	2,384	1,669
8	64,960	2,475	1,732
9	67,435	2,569	1,798
10	70,004	2,667	1,867
11	72,671	2,769	1,938
12	75,440	2,874	2,012
13	78,314	2,984	2,089
14	81,298	3,097	2,168
15	84,395	3,215	2,251
16	87,611	3,338	2,337
17	90,949	3,465	2,426
18	94,414	3,597	2,518
19	98,011	3,734	2,614
20	101,745	3,876	2,714
	TOTAL	$55,622	$38,935

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 SCHOOLSFIRST with 4.25% - March 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from SCHOOLSFIRST with 4.25% - March 2025