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Comparison of Deposit Account from ST. LOUIS COMMUNITY with 0.80% - April 2025

Long-Term Analysis of STATE EMPLOYEES CU OF MARYLAND, INC with 0.20% APY and CAPSTONE with 1.00% APY and CAPSTONE with 0.70% APY and INTOUCH with 0.95% APY and INTOUCH with 0.65% APY and MidFirst Bank with 0.25% APY and Community Commerce Bank with 4.44% APY and SCHOOLSFIRST with 4.10% APY and SCHOOLSFIRST with 4.25% APY and Open Bank with 0.75% APY and WESTERRA with 2.20% APY and WESTERRA with 2.60% APY and TALLAHASSEE COMMUNITY with 0.15% APY and ALIVE with 0.87% APY and OCALA COMMUNITY with 0.20% APY and PRIORITY with 0.06% APY and CITIZENS COMMUNITY with 0.15% APY and NUMERICA with 0.35% APY and IDAHO STATE UNIVERSITY with 0.15% APY and State Bank of Bement with 0.08% APY and McHenry Savings Bank with 0.05% APY and GN Bank with 0.03% APY and PARTNERS 1ST with 0.15% APY and ABOUND with 1.00% APY and GREATER NEW ORLEANS with 0.50% APY and XPLORE with 0.45% APY and WEPCO with 1.00% APY and THIOKOL ELKTON with 0.70% APY and GEICO with 0.80% APY and GEICO with 0.90% APY and DIRECTIONS with 0.80% APY and DIRECTIONS with 1.10% APY and ST. LOUIS COMMUNITY with 0.80% APY and U.S. EAGLE with 4.15% APY and GREATER NEVADA with 0.15% APY and First Security Bank of Nevada with 0.40% APY and First Security Bank of Nevada with 0.45% APY and AUBURN COMMUNITY with 0.05% APY and SUMA with 4.18% APY and ORNL with 0.54% APY and STALEY with 1.06% APY and SELECT SEVEN with 0.70% APY and AMARILLO COMMUNITY with 0.85% APY and TRUGROCER with 0.90% APY and TRUGROCER with 0.95% APY and FANNIN with 1.31% APY and 1ST COMMUNITY with 1.00% APY and The First National Bank of Eldorado with 0.35% APY and The First National Bank of Eldorado with 0.10% APY and FIRSTMARK with 0.85% APY and SPCO with 1.45% APY and LAREDO with 0.60% APY and 1ST UNIVERSITY with 1.25% APY and Glacier Bank with 0.55% APY and N A E with 0.40% APY and N A E with 0.30% APY and UNIVERSITY OF WISCONSIN with 2.55% APY and Commerce State Bank with 0.05% APY and WEA with 0.17% APY and FIREFIGHTERS with 0.50% APY and GUARDIAN with 0.05% APY and IncredibleBank with 0.75% APY and IDAHO CENTRAL with 4.30% APY and GTE with 3.56% APY and SCHOOLSFIRST with 4.20% APY and SCHOOLSFIRST with 4.25% APY and SCHOOLSFIRST with 4.25% APY and SCHOOLSFIRST with 4.20% APY and INSIGHT with 2.50% APY and VIRGINIA CREDIT UNION, INC., with 2.05% APY and VIRGINIA CREDIT UNION, INC., with 2.30% APY and VIRGINIA CREDIT UNION, INC., with 3.82% APY and The Farmers Bank of Appomattox with 3.25% APY and Chesapeake Bank with 4.00% 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

N.A.

STATE EMPLOYEES CU OF MARYLAND, INC

0.20%

$50,000

N.A.

Credit Union

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

LOCAL CD

CAPSTONE

1.00%

$50,000

60 Month

Credit Union

1.09x (National Avg. - 0.92%)

$10,000

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 MONEY MARKET

CAPSTONE

0.70%

$50,000

N.A.

Credit Union

0.76x (National Avg. - 0.92%)

$2,500

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

INTOUCH

0.95%

$50,000

48 Month

Credit Union

1.17x (National Avg. - 0.82%)

$1,000

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

INTOUCH

0.65%

$50,000

18 Month

Credit Union

1.12x (National Avg. - 0.58%)

$1,000

SCENARIO

Year	Rate 0.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	325	228
2	50,325	327	229
3	50,652	329	230
4	50,981	331	232
5	51,313	334	233
6	51,646	336	235
7	51,982	338	237
8	52,320	340	238
9	52,660	342	240
10	53,002	345	241
11	53,347	347	243
12	53,693	349	244
13	54,042	351	246
14	54,394	354	247
15	54,747	356	249
16	55,103	358	251
17	55,461	360	252
18	55,822	363	254
19	56,185	365	256
20	56,550	368	257
	TOTAL	$6,917	$4,842

LOCAL CD

MidFirst Bank

0.25%

$50,000

24 Month

Bank

0.38x (National Avg. - 0.66%)

$1,000

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

Community Commerce Bank

4.44%

$50,000

24 Month

Bank

6.73x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 4.44%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,220	1,554
2	52,220	2,319	1,623
3	54,539	2,422	1,695
4	56,960	2,529	1,770
5	59,489	2,641	1,849
6	62,130	2,759	1,931
7	64,889	2,881	2,017
8	67,770	3,009	2,106
9	70,779	3,143	2,200
10	73,922	3,282	2,297
11	77,204	3,428	2,399
12	80,632	3,580	2,506
13	84,212	3,739	2,617
14	87,951	3,905	2,734
15	91,856	4,078	2,855
16	95,934	4,259	2,982
17	100,194	4,449	3,114
18	104,642	4,646	3,252
19	109,288	4,852	3,397
20	114,141	5,068	3,547
	TOTAL	$69,209	$48,446

LOCAL CD

SCHOOLSFIRST

4.10%

$50,000

6 Month

Credit Union

10.10x (National Avg. - 0.41%)

$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

SCHOOLSFIRST

4.25%

$50,000

6 Month

Credit Union

10.47x (National Avg. - 0.41%)

$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

LOCAL CD

Open 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 CD

WESTERRA

2.20%

$50,000

3 Month

Credit Union

1.00x (National Avg. - 2.20%)

$500

SCENARIO

Year	Rate 2.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,100	770
2	51,100	1,124	787
3	52,224	1,149	804
4	53,373	1,174	822
5	54,547	1,200	840
6	55,747	1,226	859
7	56,974	1,253	877
8	58,227	1,281	897
9	59,508	1,309	916
10	60,817	1,338	937
11	62,155	1,367	957
12	63,523	1,398	978
13	64,920	1,428	1,000
14	66,349	1,460	1,022
15	67,808	1,492	1,044
16	69,300	1,525	1,067
17	70,825	1,558	1,091
18	72,383	1,592	1,115
19	73,975	1,627	1,139
20	75,603	1,663	1,164
	TOTAL	$27,266	$19,086

LOCAL CD

WESTERRA

2.60%

$50,000

60 Month

Credit Union

2.83x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 2.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,300	910
2	51,300	1,334	934
3	52,634	1,368	958
4	54,002	1,404	983
5	55,406	1,441	1,008
6	56,847	1,478	1,035
7	58,325	1,516	1,062
8	59,841	1,556	1,089
9	61,397	1,596	1,117
10	62,994	1,638	1,146
11	64,631	1,680	1,176
12	66,312	1,724	1,207
13	68,036	1,769	1,238
14	69,805	1,815	1,270
15	71,620	1,862	1,303
16	73,482	1,911	1,337
17	75,392	1,960	1,372
18	77,353	2,011	1,408
19	79,364	2,063	1,444
20	81,427	2,117	1,482
	TOTAL	$33,544	$23,481

LOCAL CD

TALLAHASSEE COMMUNITY

0.15%

$50,000

6 Month

Credit Union

0.37x (National Avg. - 0.41%)

$100,000

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

ALIVE

0.87%

$50,000

24 Month

Credit Union

1.32x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.87%	Annual Interest	Annual Interest (After Tax)
1	50,000	435	305
2	50,435	439	307
3	50,874	443	310
4	51,316	446	313
5	51,763	450	315
6	52,213	454	318
7	52,667	458	321
8	53,126	462	324
9	53,588	466	326
10	54,054	470	329
11	54,524	474	332
12	54,999	478	335
13	55,477	483	338
14	55,960	487	341
15	56,447	491	344
16	56,938	495	347
17	57,433	500	350
18	57,933	504	353
19	58,437	508	356
20	58,945	513	359
	TOTAL	$9,458	$6,621

LOCAL CD

OCALA COMMUNITY

0.20%

$50,000

6 Month

Credit Union

0.49x (National Avg. - 0.41%)

$10,000

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

PRIORITY

0.06%

$50,000

6 Month

Credit Union

0.15x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.06%	Annual Interest	Annual Interest (After Tax)
1	50,000	30	21
2	50,030	30	21
3	50,060	30	21
4	50,090	30	21
5	50,120	30	21
6	50,150	30	21
7	50,180	30	21
8	50,210	30	21
9	50,241	30	21
10	50,271	30	21
11	50,301	30	21
12	50,331	30	21
13	50,361	30	21
14	50,391	30	21
15	50,422	30	21
16	50,452	30	21
17	50,482	30	21
18	50,512	30	21
19	50,543	30	21
20	50,573	30	21
	TOTAL	$603	$422

LOCAL CD

CITIZENS 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

NUMERICA

0.35%

$50,000

6 Month

Credit Union

0.86x (National Avg. - 0.41%)

$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

LOCAL CD

IDAHO STATE UNIVERSITY

0.15%

$50,000

6 Month

Credit Union

0.37x (National Avg. - 0.41%)

$100,000

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 SAVINGS

State Bank of Bement

0.08%

$50,000

N.A.

Bank

0.36x (National Avg. - 0.23%)

$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 SAVINGS

McHenry Savings Bank

0.05%

$50,000

N.A.

Bank

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

LOCAL MONEY MARKET

GN Bank

0.03%

$50,000

N.A.

Bank

0.13x (National Avg. - 0.23%)

$10,000

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

PARTNERS 1ST

0.15%

$50,000

12 Month

Credit Union

0.27x (National Avg. - 0.55%)

$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 MONEY MARKET

ABOUND

1.00%

$50,000

N.A.

Credit Union

1.81x (National Avg. - 0.55%)

$50,001

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

GREATER NEW ORLEANS

0.50%

$50,000

6 Month

Credit Union

1.23x (National Avg. - 0.41%)

$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

XPLORE

0.45%

$50,000

18 Month

Credit Union

0.78x (National Avg. - 0.58%)

$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

WEPCO

1.00%

$50,000

36 Month

Credit Union

1.33x (National Avg. - 0.75%)

$10,000

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

THIOKOL ELKTON

0.70%

$50,000

36 Month

Credit Union

0.93x (National Avg. - 0.75%)

$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

GEICO

0.80%

$50,000

24 Month

Credit Union

1.21x (National Avg. - 0.66%)

$100,000

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

GEICO

0.90%

$50,000

36 Month

Credit Union

1.19x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	450	315
2	50,450	454	318
3	50,904	458	321
4	51,362	462	324
5	51,824	466	326
6	52,291	471	329
7	52,761	475	332
8	53,236	479	335
9	53,715	483	338
10	54,199	488	341
11	54,687	492	345
12	55,179	497	348
13	55,675	501	351
14	56,177	506	354
15	56,682	510	357
16	57,192	515	360
17	57,707	519	364
18	58,226	524	367
19	58,750	529	370
20	59,279	534	373
	TOTAL	$9,813	$6,869

LOCAL CD

DIRECTIONS

0.80%

$50,000

36 Month

Credit Union

1.06x (National Avg. - 0.75%)

$10,000

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

DIRECTIONS

1.10%

$50,000

60 Month

Credit Union

1.20x (National Avg. - 0.92%)

$10,000

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 CD

ST. LOUIS COMMUNITY

0.80%

$50,000

12 Month

Credit Union

1.45x (National Avg. - 0.55%)

$100,000

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

U.S. EAGLE

4.15%

$50,000

18 Month

Credit Union

7.16x (National Avg. - 0.58%)

$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

LOCAL CD

GREATER NEVADA

0.15%

$50,000

6 Month

Credit Union

0.37x (National Avg. - 0.41%)

$100,000

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

First Security Bank of Nevada

0.40%

$50,000

24 Month

Bank

0.61x (National Avg. - 0.66%)

$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

First Security Bank of Nevada

0.45%

$50,000

24 Month

Bank

0.68x (National Avg. - 0.66%)

$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

AUBURN COMMUNITY

0.05%

$50,000

6 Month

Credit Union

0.12x (National Avg. - 0.41%)

$10,000

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

SUMA

4.18%

$50,000

6 Month

Credit Union

10.30x (National Avg. - 0.41%)

$1,000

SCENARIO

Year	Rate 4.18%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,090	1,463
2	52,090	2,177	1,524
3	54,267	2,268	1,588
4	56,536	2,363	1,654
5	58,899	2,462	1,723
6	61,361	2,565	1,795
7	63,926	2,672	1,870
8	66,598	2,784	1,949
9	69,382	2,900	2,030
10	72,282	3,021	2,115
11	75,303	3,148	2,203
12	78,451	3,279	2,295
13	81,730	3,416	2,391
14	85,146	3,559	2,491
15	88,706	3,708	2,596
16	92,413	3,863	2,704
17	96,276	4,024	2,817
18	100,301	4,193	2,935
19	104,493	4,368	3,057
20	108,861	4,550	3,185
	TOTAL	$63,411	$44,388

LOCAL CD

ORNL

0.54%

$50,000

36 Month

Credit Union

0.72x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 0.54%	Annual Interest	Annual Interest (After Tax)
1	50,000	270	189
2	50,270	271	190
3	50,541	273	191
4	50,814	274	192
5	51,089	276	193
6	51,365	277	194
7	51,642	279	195
8	51,921	280	196
9	52,201	282	197
10	52,483	283	198
11	52,767	285	199
12	53,052	286	201
13	53,338	288	202
14	53,626	290	203
15	53,916	291	204
16	54,207	293	205
17	54,499	294	206
18	54,794	296	207
19	55,090	297	208
20	55,387	299	209
	TOTAL	$5,686	$3,980

LOCAL CD

STALEY

1.06%

$50,000

60 Month

Credit Union

1.15x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 1.06%	Annual Interest	Annual Interest (After Tax)
1	50,000	530	371
2	50,530	536	375
3	51,066	541	379
4	51,607	547	383
5	52,154	553	387
6	52,707	559	391
7	53,265	565	395
8	53,830	571	399
9	54,401	577	404
10	54,977	583	408
11	55,560	589	412
12	56,149	595	417
13	56,744	601	421
14	57,346	608	426
15	57,954	614	430
16	58,568	621	435
17	59,189	627	439
18	59,816	634	444
19	60,450	641	449
20	61,091	648	453
	TOTAL	$11,738	$8,217

LOCAL CD

SELECT SEVEN

0.70%

$50,000

24 Month

Credit Union

1.06x (National Avg. - 0.66%)

$1,000

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

AMARILLO COMMUNITY

0.85%

$50,000

24 Month

Credit Union

1.29x (National Avg. - 0.66%)

$10,000

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 CD

TRUGROCER

0.90%

$50,000

48 Month

Credit Union

1.10x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	450	315
2	50,450	454	318
3	50,904	458	321
4	51,362	462	324
5	51,824	466	326
6	52,291	471	329
7	52,761	475	332
8	53,236	479	335
9	53,715	483	338
10	54,199	488	341
11	54,687	492	345
12	55,179	497	348
13	55,675	501	351
14	56,177	506	354
15	56,682	510	357
16	57,192	515	360
17	57,707	519	364
18	58,226	524	367
19	58,750	529	370
20	59,279	534	373
	TOTAL	$9,813	$6,869

LOCAL CD

TRUGROCER

0.95%

$50,000

48 Month

Credit Union

1.17x (National Avg. - 0.82%)

$100,000

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

FANNIN

1.31%

$50,000

24 Month

Credit Union

1.98x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 1.31%	Annual Interest	Annual Interest (After Tax)
1	50,000	654	458
2	50,654	663	464
3	51,317	671	470
4	51,988	680	476
5	52,668	689	482
6	53,357	698	489
7	54,055	707	495
8	54,762	716	501
9	55,478	726	508
10	56,204	735	515
11	56,939	745	521
12	57,683	754	528
13	58,438	764	535
14	59,202	774	542
15	59,977	784	549
16	60,761	795	556
17	61,556	805	564
18	62,361	816	571
19	63,177	826	578
20	64,003	837	586
	TOTAL	$14,840	$10,388

LOCAL CD

1ST COMMUNITY

1.00%

$50,000

24 Month

Credit Union

1.52x (National Avg. - 0.66%)

$10,000

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

The First National Bank of Eldorado

0.35%

$50,000

18 Month

Bank

0.60x (National Avg. - 0.58%)

$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

LOCAL SAVINGS

The First National Bank of Eldorado

0.10%

$50,000

N.A.

Bank

0.44x (National Avg. - 0.23%)

$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

FIRSTMARK

0.85%

$50,000

24 Month

Credit Union

1.29x (National Avg. - 0.66%)

$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 CD

SPCO

1.45%

$50,000

48 Month

Credit Union

1.78x (National Avg. - 0.82%)

$50,000

SCENARIO

Year	Rate 1.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	725	508
2	50,725	736	515
3	51,461	746	522
4	52,207	757	530
5	52,964	768	538
6	53,732	779	545
7	54,511	790	553
8	55,301	802	561
9	56,103	813	569
10	56,917	825	578
11	57,742	837	586
12	58,579	849	595
13	59,428	862	603
14	60,290	874	612
15	61,164	887	621
16	62,051	900	630
17	62,951	913	639
18	63,864	926	648
19	64,790	939	658
20	65,729	953	667
	TOTAL	$16,682	$11,678

LOCAL CD

LAREDO

0.60%

$50,000

24 Month

Credit Union

0.91x (National Avg. - 0.66%)

$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

1ST UNIVERSITY

1.25%

$50,000

18 Month

Credit Union

2.16x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 1.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	625	438
2	50,625	633	443
3	51,258	641	449
4	51,899	649	454
5	52,547	657	460
6	53,204	665	466
7	53,869	673	471
8	54,543	682	477
9	55,224	690	483
10	55,915	699	489
11	56,614	708	495
12	57,321	717	502
13	58,038	725	508
14	58,763	735	514
15	59,498	744	521
16	60,241	753	527
17	60,994	762	534
18	61,757	772	540
19	62,529	782	547
20	63,310	791	554
	TOTAL	$14,102	$9,871

LOCAL CD

Glacier Bank

0.55%

$50,000

24 Month

Bank

0.83x (National Avg. - 0.66%)

$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

N A E

0.40%

$50,000

18 Month

Credit Union

0.69x (National Avg. - 0.58%)

$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

N A E

0.30%

$50,000

36 Month

Credit Union

0.40x (National Avg. - 0.75%)

$10,000

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

UNIVERSITY OF WISCONSIN

2.55%

$50,000

6 Month

Credit Union

6.28x (National Avg. - 0.41%)

$250,000

SCENARIO

Year	Rate 2.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,275	893
2	51,275	1,308	915
3	52,583	1,341	939
4	53,923	1,375	963
5	55,298	1,410	987
6	56,709	1,446	1,012
7	58,155	1,483	1,038
8	59,638	1,521	1,065
9	61,158	1,560	1,092
10	62,718	1,599	1,120
11	64,317	1,640	1,148
12	65,957	1,682	1,177
13	67,639	1,725	1,207
14	69,364	1,769	1,238
15	71,133	1,814	1,270
16	72,947	1,860	1,302
17	74,807	1,908	1,335
18	76,714	1,956	1,369
19	78,671	2,006	1,404
20	80,677	2,057	1,440
	TOTAL	$32,734	$22,914

LOCAL MONEY MARKET

Commerce State Bank

0.05%

$50,000

N.A.

Bank

0.12x (National Avg. - 0.41%)

$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

WEA

0.17%

$50,000

6 Month

Credit Union

0.42x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.17%	Annual Interest	Annual Interest (After Tax)
1	50,000	85	60
2	50,085	85	60
3	50,170	85	60
4	50,255	85	60
5	50,341	86	60
6	50,426	86	60
7	50,512	86	60
8	50,598	86	60
9	50,684	86	60
10	50,770	86	60
11	50,857	86	61
12	50,943	87	61
13	51,030	87	61
14	51,116	87	61
15	51,203	87	61
16	51,290	87	61
17	51,377	87	61
18	51,465	87	61
19	51,552	88	61
20	51,640	88	61
	TOTAL	$1,728	$1,209

LOCAL CD

FIREFIGHTERS

0.50%

$50,000

6 Month

Credit Union

1.23x (National Avg. - 0.41%)

$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

GUARDIAN

0.05%

$50,000

6 Month

Credit Union

0.12x (National Avg. - 0.41%)

$10,000

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

ONLINE CD

IncredibleBank

0.75%

$50,000

60 Month

Online Bank

0.82x (National Avg. - 0.92%)

$1,000

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 CD

IDAHO CENTRAL

4.30%

$50,000

6 Month

Credit Union

10.59x (National Avg. - 0.41%)

$500

SCENARIO

Year	Rate 4.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,150	1,505
2	52,150	2,242	1,570
3	54,392	2,339	1,637
4	56,731	2,439	1,708
5	59,171	2,544	1,781
6	61,715	2,654	1,858
7	64,369	2,768	1,938
8	67,137	2,887	2,021
9	70,024	3,011	2,108
10	73,035	3,140	2,198
11	76,175	3,276	2,293
12	79,451	3,416	2,391
13	82,867	3,563	2,494
14	86,430	3,717	2,602
15	90,147	3,876	2,713
16	94,023	4,043	2,830
17	98,066	4,217	2,952
18	102,283	4,398	3,079
19	106,681	4,587	3,211
20	111,268	4,785	3,349
	TOTAL	$66,053	$46,237

LOCAL CD

GTE

3.56%

$50,000

30 Month

Credit Union

N.A.

$100,000

SCENARIO

Year	Rate 3.56%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,780	1,246
2	51,780	1,843	1,290
3	53,623	1,909	1,336
4	55,532	1,977	1,384
5	57,509	2,047	1,433
6	59,557	2,120	1,484
7	61,677	2,196	1,537
8	63,873	2,274	1,592
9	66,146	2,355	1,648
10	68,501	2,439	1,707
11	70,940	2,525	1,768
12	73,465	2,615	1,831
13	76,081	2,708	1,896
14	78,789	2,805	1,963
15	81,594	2,905	2,033
16	84,499	3,008	2,106
17	87,507	3,115	2,181
18	90,622	3,226	2,258
19	93,848	3,341	2,339
20	97,189	3,460	2,422
	TOTAL	$50,649	$35,455

LOCAL CD

SCHOOLSFIRST

4.20%

$50,000

6 Month

Credit Union

10.34x (National Avg. - 0.41%)

$50,000

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

SCHOOLSFIRST

4.25%

$50,000

12 Month

Credit Union

7.70x (National Avg. - 0.55%)

$50,000

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

LOCAL CD

SCHOOLSFIRST

4.25%

$50,000

36 Month

Credit Union

5.64x (National Avg. - 0.75%)

$50,000

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

LOCAL CD

SCHOOLSFIRST

4.20%

$50,000

48 Month

Credit Union

5.15x (National Avg. - 0.82%)

$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

INSIGHT

2.50%

$50,000

36 Month

Credit Union

3.32x (National Avg. - 0.75%)

$1,000,000

SCENARIO

Year	Rate 2.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,250	875
2	51,250	1,281	897
3	52,531	1,313	919
4	53,845	1,346	942
5	55,191	1,380	966
6	56,570	1,414	990
7	57,985	1,450	1,015
8	59,434	1,486	1,040
9	60,920	1,523	1,066
10	62,443	1,561	1,093
11	64,004	1,600	1,120
12	65,604	1,640	1,148
13	67,244	1,681	1,177
14	68,926	1,723	1,206
15	70,649	1,766	1,236
16	72,415	1,810	1,267
17	74,225	1,856	1,299
18	76,081	1,902	1,331
19	77,983	1,950	1,365
20	79,933	1,998	1,399
	TOTAL	$31,931	$22,352

N.A.

VIRGINIA CREDIT UNION, INC.,

2.05%

$50,000

N.A.

Credit Union

2.72x (National Avg. - 0.75%)

$25,000

SCENARIO

Year	Rate 2.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,025	718
2	51,025	1,046	732
3	52,071	1,067	747
4	53,138	1,089	763
5	54,228	1,112	778
6	55,339	1,134	794
7	56,474	1,158	810
8	57,632	1,181	827
9	58,813	1,206	844
10	60,019	1,230	861
11	61,249	1,256	879
12	62,505	1,281	897
13	63,786	1,308	915
14	65,094	1,334	934
15	66,428	1,362	953
16	67,790	1,390	973
17	69,180	1,418	993
18	70,598	1,447	1,013
19	72,045	1,477	1,034
20	73,522	1,507	1,055
	TOTAL	$25,029	$17,520

N.A.

VIRGINIA CREDIT UNION, INC.,

2.30%

$50,000

N.A.

Credit Union

3.05x (National Avg. - 0.75%)

$50,000

SCENARIO

Year	Rate 2.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,150	805
2	51,150	1,176	824
3	52,326	1,204	842
4	53,530	1,231	862
5	54,761	1,260	882
6	56,021	1,288	902
7	57,309	1,318	923
8	58,627	1,348	944
9	59,976	1,379	966
10	61,355	1,411	988
11	62,766	1,444	1,011
12	64,210	1,477	1,034
13	65,687	1,511	1,058
14	67,198	1,546	1,082
15	68,743	1,581	1,107
16	70,324	1,617	1,132
17	71,942	1,655	1,158
18	73,596	1,693	1,185
19	75,289	1,732	1,212
20	77,021	1,771	1,240
	TOTAL	$28,792	$20,154

LOCAL CD

VIRGINIA CREDIT UNION, INC.,

3.82%

$50,000

24 Month

Credit Union

5.79x (National Avg. - 0.66%)

$50,000

SCENARIO

Year	Rate 3.82%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,910	1,337
2	51,910	1,983	1,388
3	53,893	2,059	1,441
4	55,952	2,137	1,496
5	58,089	2,219	1,553
6	60,308	2,304	1,613
7	62,612	2,392	1,674
8	65,004	2,483	1,738
9	67,487	2,578	1,805
10	70,065	2,676	1,874
11	72,741	2,779	1,945
12	75,520	2,885	2,019
13	78,405	2,995	2,097
14	81,400	3,109	2,177
15	84,509	3,228	2,260
16	87,738	3,352	2,346
17	91,089	3,480	2,436
18	94,569	3,613	2,529
19	98,181	3,751	2,625
20	101,932	3,894	2,726
	TOTAL	$55,826	$39,078

LOCAL CD

The Farmers Bank of Appomattox

3.25%

$50,000

12 Month

Bank

5.89x (National Avg. - 0.55%)

$5,000

SCENARIO

Year	Rate 3.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,625	1,138
2	51,625	1,678	1,174
3	53,303	1,732	1,213
4	55,035	1,789	1,252
5	56,824	1,847	1,293
6	58,671	1,907	1,335
7	60,577	1,969	1,378
8	62,546	2,033	1,423
9	64,579	2,099	1,469
10	66,678	2,167	1,517
11	68,845	2,237	1,566
12	71,082	2,310	1,617
13	73,392	2,385	1,670
14	75,778	2,463	1,724
15	78,240	2,543	1,780
16	80,783	2,625	1,838
17	83,409	2,711	1,898
18	86,119	2,799	1,959
19	88,918	2,890	2,023
20	91,808	2,984	2,089
	TOTAL	$44,792	$31,354

LOCAL CD

Chesapeake Bank

4.00%

$50,000

13 Month

Bank

N.A.

$1,000

SCENARIO

Year	Rate 4.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,000	1,400
2	52,000	2,080	1,456
3	54,080	2,163	1,514
4	56,243	2,250	1,575
5	58,493	2,340	1,638
6	60,833	2,433	1,703
7	63,266	2,531	1,771
8	65,797	2,632	1,842
9	68,428	2,737	1,916
10	71,166	2,847	1,993
11	74,012	2,960	2,072
12	76,973	3,079	2,155
13	80,052	3,202	2,241
14	83,254	3,330	2,331
15	86,584	3,463	2,424
16	90,047	3,602	2,521
17	93,649	3,746	2,622
18	97,395	3,896	2,727
19	101,291	4,052	2,836
20	105,342	4,214	2,950
	TOTAL	$59,556	$41,689

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 ST. LOUIS COMMUNITY with 0.80% - April 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from ST. LOUIS COMMUNITY with 0.80% - April 2025