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Comparison of Deposit Account from THE SUMMIT with 1.00% - April 2025


Long-Term Analysis of SUNWEST with 0.85% APY and Old National Bank with 0.20% APY and Old National Bank with 0.20% APY and Hometown Community Bank with 1.25% APY and THE SUMMIT with 3.95% APY and THE SUMMIT with 1.00% APY and PCSB Bank with 0.20% APY and MID-HUDSON VALLEY with 2.35% APY and Firstar Bank with 0.75% APY and Commerce State Bank with 0.45% APY and IDAHO CENTRAL with 0.60% APY and The Lowell Five Cent Savings Bank with 0.25% APY and Everett Co-operative Bank with 4.25% APY and Altoona First Savings Bank with 4.20% 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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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    SUNWEST
    0.85%
    -
    $50,000
    48 Month
    Credit Union
    1.04x (National Avg. - 0.82%)
    $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
  • 2
    LOCAL CD
    Old National Bank
    0.20%
    -
    $50,000
    24 Month
    Bank
    0.30x (National Avg. - 0.66%)
    $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
  • 3
    LOCAL CD
    Old National Bank
    0.20%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $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
  • 4
    LOCAL CD
    Hometown Community Bank
    1.25%
    -
    $50,000
    24 Month
    Bank
    1.89x (National Avg. - 0.66%)
    $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
  • 5
    LOCAL CD
    THE SUMMIT
    3.95%
    -
    $50,000
    6 Month
    Credit Union
    9.73x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    3.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,975 1,383
    2 51,975 2,053 1,437
    3 54,028 2,134 1,494
    4 56,162 2,218 1,553
    5 58,381 2,306 1,614
    6 60,687 2,397 1,678
    7 63,084 2,492 1,744
    8 65,575 2,590 1,813
    9 68,166 2,693 1,885
    10 70,858 2,799 1,959
    11 73,657 2,909 2,037
    12 76,567 3,024 2,117
    13 79,591 3,144 2,201
    14 82,735 3,268 2,288
    15 86,003 3,397 2,378
    16 89,400 3,531 2,472
    17 92,931 3,671 2,570
    18 96,602 3,816 2,671
    19 100,418 3,967 2,777
    20 104,384 4,123 2,886
    TOTAL $58,508 $40,955
  • 6
    LOCAL MONEY MARKET
    THE SUMMIT
    1.00%
    -
    $50,000
    N.A.
    Credit Union
    2.46x (National Avg. - 0.41%)
    $25,000
     
    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
  • 7
    LOCAL MONEY MARKET
    PCSB Bank
    0.20%
    -
    $50,000
    N.A.
    Bank
    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
  • 8
    LOCAL CD
    MID-HUDSON VALLEY
    2.35%
    -
    $50,000
    12 Month
    Credit Union
    4.26x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    2.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,175 823
    2 51,175 1,203 842
    3 52,378 1,231 862
    4 53,608 1,260 882
    5 54,868 1,289 903
    6 56,158 1,320 924
    7 57,477 1,351 946
    8 58,828 1,382 968
    9 60,211 1,415 990
    10 61,626 1,448 1,014
    11 63,074 1,482 1,038
    12 64,556 1,517 1,062
    13 66,073 1,553 1,087
    14 67,626 1,589 1,112
    15 69,215 1,627 1,139
    16 70,841 1,665 1,165
    17 72,506 1,704 1,193
    18 74,210 1,744 1,221
    19 75,954 1,785 1,249
    20 77,739 1,827 1,279
    TOTAL $29,566 $20,696
  • 9
    LOCAL CD
    Firstar Bank
    0.75%
    -
    $50,000
    24 Month
    Bank
    1.14x (National Avg. - 0.66%)
    $100,000
     
    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
  • 10
    LOCAL CD
    Commerce State Bank
    0.45%
    -
    $50,000
    24 Month
    Bank
    0.68x (National Avg. - 0.66%)
    $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
  • 11
    LOCAL MONEY MARKET
    IDAHO CENTRAL
    0.60%
    -
    $50,000
    N.A.
    Credit Union
    0.91x (National Avg. - 0.66%)
    $25,000
     
    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
  • 12
    LOCAL MONEY MARKET
    The Lowell Five Cent Savings Bank
    0.25%
    -
    $50,000
    N.A.
    Bank
    0.38x (National Avg. - 0.66%)
    $250,000
     
    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
  • 13
    LOCAL CD
    Everett Co-operative Bank
    4.25%
    -
    $50,000
    18 Month
    Bank
    7.33x (National Avg. - 0.58%)
    $501
     
    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
  • 14
    LOCAL CD
    Altoona First Savings Bank
    4.20%
    -
    $50,000
    7 Month
    Bank
    N.A.
    $1,000
     
    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

    All calculations are for demonstration purposes only.

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