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Comparison of Deposit Account from Union Bank with 0.90% - April 2025


Long-Term Analysis of KRAFTCOR with 1.41% APY and McClain Bank with 0.40% APY and Union Bank with 0.90% APY and MCCOY with 4.13% 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
    KRAFTCOR
    1.41%
    -
    $50,000
    48 Month
    Credit Union
    1.73x (National Avg. - 0.82%)
    $1,000
     
    SCENARIO
    Year Rate
    1.41%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 704 492
    2 50,704 713 499
    3 51,417 723 506
    4 52,140 734 514
    5 52,874 744 521
    6 53,618 754 528
    7 54,372 765 536
    8 55,137 776 543
    9 55,913 787 551
    10 56,700 798 558
    11 57,498 809 566
    12 58,307 820 574
    13 59,127 832 582
    14 59,959 844 591
    15 60,802 855 599
    16 61,658 868 607
    17 62,525 880 616
    18 63,405 892 624
    19 64,297 905 633
    20 65,202 917 642
    TOTAL $16,119 $11,284
  • 2
    LOCAL CD
    McClain Bank
    0.40%
    -
    $50,000
    60 Month
    Bank
    0.44x (National Avg. - 0.92%)
    $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
  • 3
    LOCAL CD
    Union Bank
    0.90%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $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
  • 4
    LOCAL CD
    MCCOY
    4.13%
    -
    $50,000
    23 Month
    Credit Union
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    4.13%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,063 1,444
    2 52,063 2,148 1,504
    3 54,211 2,237 1,566
    4 56,448 2,329 1,630
    5 58,777 2,425 1,698
    6 61,202 2,525 1,768
    7 63,727 2,629 1,841
    8 66,357 2,738 1,917
    9 69,095 2,851 1,996
    10 71,945 2,968 2,078
    11 74,914 3,091 2,164
    12 78,005 3,218 2,253
    13 81,223 3,351 2,346
    14 84,574 3,490 2,443
    15 88,064 3,634 2,543
    16 91,698 3,783 2,648
    17 95,481 3,940 2,758
    18 99,421 4,102 2,871
    19 103,523 4,271 2,990
    20 107,794 4,448 3,113
    TOTAL $62,242 $43,569

    All calculations are for demonstration purposes only.

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