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Comparison of Deposit Account from SEATTLE METROPOLITAN with 0.55% - April 2025


Long-Term Analysis of STATE EMPLOYEES CU OF MARYLAND, INC with 1.75% APY and FRANKLIN TRUST with 0.45% APY and HARTFORD with 0.35% APY and NYMEO with 0.05% APY and CREDIT UNION OF TEXAS with 3.80% APY and VIRGINIA CREDIT UNION, INC., with 2.86% APY and SEATTLE METROPOLITAN with 0.55% APY and TRULIANT with 5.70% 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 CD
    STATE EMPLOYEES CU OF MARYLAND, INC
    1.75%
    -
    $50,000
    48 Month
    Credit Union
    2.15x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    1.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 875 613
    2 50,875 890 623
    3 51,765 906 634
    4 52,671 922 645
    5 53,593 938 657
    6 54,531 954 668
    7 55,485 971 680
    8 56,456 988 692
    9 57,444 1,005 704
    10 58,449 1,023 716
    11 59,472 1,041 729
    12 60,513 1,059 741
    13 61,572 1,078 754
    14 62,649 1,096 767
    15 63,746 1,116 781
    16 64,861 1,135 795
    17 65,996 1,155 808
    18 67,151 1,175 823
    19 68,327 1,196 837
    20 69,522 1,217 852
    TOTAL $20,739 $14,517
  • 2
    LOCAL MONEY MARKET
    FRANKLIN TRUST
    0.45%
    -
    $50,000
    N.A.
    Credit Union
    0.55x (National Avg. - 0.82%)
    $10,000
     
    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
  • 3
    LOCAL CD
    HARTFORD
    0.35%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $100,000
     
    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
  • 4
    LOCAL SAVINGS
    NYMEO
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.22x (National Avg. - 0.23%)
    $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
  • 5
    LOCAL CD
    CREDIT UNION OF TEXAS
    3.80%
    -
    $50,000
    24 Month
    Credit Union
    5.76x (National Avg. - 0.66%)
    $50,000
     
    SCENARIO
    Year Rate
    3.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,900 1,330
    2 51,900 1,972 1,381
    3 53,872 2,047 1,433
    4 55,919 2,125 1,487
    5 58,044 2,206 1,544
    6 60,250 2,289 1,603
    7 62,539 2,376 1,664
    8 64,916 2,467 1,727
    9 67,383 2,561 1,792
    10 69,943 2,658 1,860
    11 72,601 2,759 1,931
    12 75,360 2,864 2,005
    13 78,224 2,972 2,081
    14 81,196 3,085 2,160
    15 84,282 3,203 2,242
    16 87,484 3,324 2,327
    17 90,809 3,451 2,416
    18 94,259 3,582 2,507
    19 97,841 3,718 2,603
    20 101,559 3,859 2,701
    TOTAL $55,419 $38,793
  • 6
    LOCAL CD
    VIRGINIA CREDIT UNION, INC.,
    2.86%
    -
    $50,000
    6 Month
    Credit Union
    7.04x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    2.86%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,430 1,001
    2 51,430 1,471 1,030
    3 52,901 1,513 1,059
    4 54,414 1,556 1,089
    5 55,970 1,601 1,121
    6 57,571 1,647 1,153
    7 59,217 1,694 1,186
    8 60,911 1,742 1,219
    9 62,653 1,792 1,254
    10 64,445 1,843 1,290
    11 66,288 1,896 1,327
    12 68,184 1,950 1,365
    13 70,134 2,006 1,404
    14 72,140 2,063 1,444
    15 74,203 2,122 1,486
    16 76,325 2,183 1,528
    17 78,508 2,245 1,572
    18 80,753 2,310 1,617
    19 83,063 2,376 1,663
    20 85,439 2,444 1,710
    TOTAL $37,882 $26,517
  • 7
    LOCAL CD
    SEATTLE METROPOLITAN
    0.55%
    -
    $50,000
    18 Month
    Credit Union
    0.95x (National Avg. - 0.58%)
    $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
  • 8
    LOCAL CD
    TRULIANT
    5.70%
    -
    $50,000
    16 Month
    Credit Union
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    5.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,850 1,995
    2 52,850 3,012 2,109
    3 55,862 3,184 2,229
    4 59,047 3,366 2,356
    5 62,412 3,557 2,490
    6 65,970 3,760 2,632
    7 69,730 3,975 2,782
    8 73,705 4,201 2,941
    9 77,906 4,441 3,108
    10 82,346 4,694 3,286
    11 87,040 4,961 3,473
    12 92,001 5,244 3,671
    13 97,246 5,543 3,880
    14 102,789 5,859 4,101
    15 108,648 6,193 4,335
    16 114,840 6,546 4,582
    17 121,386 6,919 4,843
    18 128,305 7,313 5,119
    19 135,619 7,730 5,411
    20 143,349 8,171 5,720
    TOTAL $101,520 $71,064

    All calculations are for demonstration purposes only.

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