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Comparison of Deposit Account from The Bank of Denver with 0.25% - April 2025

Long-Term Analysis of Sallie Mae Bank with 4.25% APY and The Bank of Denver with 0.25% APY and Climate First Bank with 4.34% APY and Home Savings Bank with 2.50% APY

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

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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

ONLINE CD

Sallie Mae Bank

4.25%

$50,000

12 Month

Bank

7.70x (National Avg. - 0.55%)

$2,500

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

The Bank of Denver

0.25%

$50,000

12 Month

Bank

0.45x (National Avg. - 0.55%)

$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

ONLINE CD

Climate First Bank

4.34%

$50,000

6 Month

Bank

10.69x (National Avg. - 0.41%)

$500

SCENARIO

Year	Rate 4.34%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,170	1,519
2	52,170	2,264	1,585
3	54,434	2,362	1,654
4	56,797	2,465	1,725
5	59,262	2,572	1,800
6	61,834	2,684	1,879
7	64,517	2,800	1,960
8	67,317	2,922	2,045
9	70,239	3,048	2,134
10	73,287	3,181	2,226
11	76,468	3,319	2,323
12	79,786	3,463	2,424
13	83,249	3,613	2,529
14	86,862	3,770	2,639
15	90,632	3,933	2,753
16	94,565	4,104	2,873
17	98,670	4,282	2,998
18	102,952	4,468	3,128
19	107,420	4,662	3,263
20	112,082	4,864	3,405
	TOTAL	$66,946	$46,862

LOCAL MONEY MARKET

Home Savings Bank

2.50%

$50,000

N.A.

Bank

6.16x (National Avg. - 0.41%)

$100,000

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

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.
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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 The Bank of Denver with 0.25% - April 2025

Long-Term Analysis of Sallie Mae Bank with 4.25% APY and The Bank of Denver with 0.25% APY and Climate First Bank with 4.34% APY and Home Savings Bank with 2.50% APY

Featured CD Rates

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