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Comparison of Deposit Account from The First, A National Banking Association with 0.08% - April 2025


Long-Term Analysis of FIRST COMMERCE with 4.50% APY and TRUSTAR with 0.30% APY and The First, A National Banking Association with 0.08% APY and ALLUS with 0.30% APY and RIVER COMMUNITY with 1.00% APY and Guardian Savings Bank, A Federal Savings Bank with 0.50% APY and NEIGHBORHOOD COMMUNITY with 0.30% APY and HUDSON VALLEY with 0.50% APY and New Carlisle Federal Savings Bank with 0.55% APY and CREDIT UNION OF TEXAS with 3.70% APY and FANNIN with 0.80% APY and FIRST BASIN with 0.30% APY and BORDER with 1.10% APY and WACO with 0.75% APY and MARTINSVILLE DUPONT EMP with 0.85% APY and SOUND with 0.25% APY and First Interstate Bank with 0.01% APY and EverTrust Bank with 3.85% APY and CREDIT UNION OF TEXAS with 1.35% APY and STATE EMPLOYEES CU OF MARYLAND, INC with 0.25% 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
    FIRST COMMERCE
    4.50%
    -
    $50,000
    6 Month
    Credit Union
    11.08x (National Avg. - 0.41%)
    $1,000
     
    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
  • 2
    LOCAL CD
    TRUSTAR
    0.30%
    -
    $50,000
    24 Month
    Credit Union
    0.45x (National Avg. - 0.66%)
    $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
  • 3
    LOCAL MONEY MARKET
    The First, A National Banking Association
    0.08%
    -
    $50,000
    N.A.
    Bank
    0.11x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.08%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 38 26
    2 50,038 38 26
    3 50,075 38 26
    4 50,113 38 26
    5 50,150 38 26
    6 50,188 38 26
    7 50,225 38 26
    8 50,263 38 26
    9 50,301 38 26
    10 50,339 38 26
    11 50,376 38 26
    12 50,414 38 26
    13 50,452 38 26
    14 50,490 38 27
    15 50,528 38 27
    16 50,565 38 27
    17 50,603 38 27
    18 50,641 38 27
    19 50,679 38 27
    20 50,717 38 27
    TOTAL $755 $529
  • 4
    LOCAL CD
    ALLUS
    0.30%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $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
  • 5
    LOCAL CD
    RIVER COMMUNITY
    1.00%
    -
    $50,000
    12 Month
    Credit Union
    1.81x (National Avg. - 0.55%)
    $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
  • 6
    LOCAL CD
    Guardian Savings Bank, A Federal Savings Bank
    0.50%
    -
    $50,000
    12 Month
    Bank
    0.91x (National Avg. - 0.55%)
    $100,000
     
    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
  • 7
    LOCAL CD
    NEIGHBORHOOD COMMUNITY
    0.30%
    -
    $50,000
    6 Month
    Credit Union
    0.74x (National Avg. - 0.41%)
    $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
  • 8
    LOCAL CD
    HUDSON VALLEY
    0.50%
    -
    $50,000
    8 Month
    Credit Union
    N.A.
    $250
     
    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
  • 9
    LOCAL CD
    New Carlisle Federal Savings Bank
    0.55%
    -
    $50,000
    24 Month
    Bank
    0.83x (National Avg. - 0.66%)
    $10,000
     
    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
  • 10
    LOCAL CD
    CREDIT UNION OF TEXAS
    3.70%
    -
    $50,000
    48 Month
    Credit Union
    4.54x (National Avg. - 0.82%)
    $1,000
     
    SCENARIO
    Year Rate
    3.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,850 1,295
    2 51,850 1,918 1,343
    3 53,768 1,989 1,393
    4 55,758 2,063 1,444
    5 57,821 2,139 1,498
    6 59,960 2,219 1,553
    7 62,179 2,301 1,610
    8 64,479 2,386 1,670
    9 66,865 2,474 1,732
    10 69,339 2,566 1,796
    11 71,905 2,660 1,862
    12 74,565 2,759 1,931
    13 77,324 2,861 2,003
    14 80,185 2,967 2,077
    15 83,152 3,077 2,154
    16 86,229 3,190 2,233
    17 89,419 3,309 2,316
    18 92,728 3,431 2,402
    19 96,158 3,558 2,491
    20 99,716 3,690 2,583
    TOTAL $53,406 $37,384
  • 11
    LOCAL CD
    FANNIN
    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 50,000 402 281
    2 50,402 405 283
    3 50,806 408 286
    4 51,214 411 288
    5 51,625 415 290
    6 52,040 418 293
    7 52,458 421 295
    8 52,879 425 297
    9 53,304 428 300
    10 53,732 431 302
    11 54,163 435 304
    12 54,598 438 307
    13 55,037 442 309
    14 55,479 445 312
    15 55,924 449 314
    16 56,373 453 317
    17 56,826 456 319
    18 57,282 460 322
    19 57,742 464 325
    20 58,206 467 327
    TOTAL $8,673 $6,071
  • 12
    LOCAL MONEY MARKET
    FIRST BASIN
    0.30%
    -
    $50,000
    N.A.
    Credit Union
    0.54x (National Avg. - 0.55%)
    $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
  • 13
    LOCAL CD
    BORDER
    1.10%
    -
    $50,000
    48 Month
    Credit Union
    1.35x (National Avg. - 0.82%)
    $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
  • 14
    LOCAL CD
    WACO
    0.75%
    -
    $50,000
    24 Month
    Credit Union
    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
  • 15
    LOCAL CD
    MARTINSVILLE DUPONT EMP
    0.85%
    -
    $50,000
    36 Month
    Credit Union
    1.13x (National Avg. - 0.75%)
    $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
  • 16
    LOCAL CD
    SOUND
    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
  • 17
    LOCAL MONEY MARKET
    First Interstate Bank
    0.01%
    -
    $50,000
    N.A.
    Bank
    0.02x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 5 4
    2 50,005 5 4
    3 50,010 5 4
    4 50,015 5 4
    5 50,020 5 4
    6 50,025 5 4
    7 50,030 5 4
    8 50,035 5 4
    9 50,040 5 4
    10 50,045 5 4
    11 50,050 5 4
    12 50,055 5 4
    13 50,060 5 4
    14 50,065 5 4
    15 50,070 5 4
    16 50,075 5 4
    17 50,080 5 4
    18 50,085 5 4
    19 50,090 5 4
    20 50,095 5 4
    TOTAL $100 $70
  • 18
    LOCAL CD
    EverTrust Bank
    3.85%
    -
    $50,000
    9 Month
    Bank
    N.A.
    $20,000
     
    SCENARIO
    Year Rate
    3.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,925 1,348
    2 51,925 1,999 1,399
    3 53,924 2,076 1,453
    4 56,000 2,156 1,509
    5 58,156 2,239 1,567
    6 60,395 2,325 1,628
    7 62,720 2,415 1,690
    8 65,135 2,508 1,755
    9 67,643 2,604 1,823
    10 70,247 2,705 1,893
    11 72,952 2,809 1,966
    12 75,760 2,917 2,042
    13 78,677 3,029 2,120
    14 81,706 3,146 2,202
    15 84,852 3,267 2,287
    16 88,119 3,393 2,375
    17 91,511 3,523 2,466
    18 95,034 3,659 2,561
    19 98,693 3,800 2,660
    20 102,493 3,946 2,762
    TOTAL $56,439 $39,507
  • 19
    N.A.
    CREDIT UNION OF TEXAS
    1.35%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $25,000
     
    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
  • 20
    N.A.
    STATE EMPLOYEES CU OF MARYLAND, INC
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $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

    All calculations are for demonstration purposes only.

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