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Comparison of Deposit Account from VALLEY ISLE COMMUNITY with 0.05% - March 2025


Long-Term Analysis of DEXSTA with 5.64% APY and VALLEY ISLE COMMUNITY with 0.05% APY and Pentucket Bank with 1.31% APY and The First National Bank of Bemidji with 0.10% 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
    DEXSTA
    5.64%
    -
    $50,000
    48 Month
    Credit Union
    6.92x (National Avg. - 0.82%)
    $1,000
     
    SCENARIO
    Year Rate
    5.64%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,820 1,974
    2 52,820 2,979 2,085
    3 55,799 3,147 2,203
    4 58,946 3,325 2,327
    5 62,271 3,512 2,458
    6 65,783 3,710 2,597
    7 69,493 3,919 2,744
    8 73,412 4,140 2,898
    9 77,553 4,374 3,062
    10 81,927 4,621 3,234
    11 86,547 4,881 3,417
    12 91,429 5,157 3,610
    13 96,585 5,447 3,813
    14 102,033 5,755 4,028
    15 107,787 6,079 4,255
    16 113,866 6,422 4,495
    17 120,289 6,784 4,749
    18 127,073 7,167 5,017
    19 134,240 7,571 5,300
    20 141,811 7,998 5,599
    TOTAL $99,809 $69,866
  • 2
    LOCAL SAVINGS
    VALLEY ISLE COMMUNITY
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    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
  • 3
    N.A.
    Pentucket Bank
    1.31%
    -
    $50,000
    N.A.
    Bank
    5.82x (National Avg. - 0.23%)
    $500,000
     
    SCENARIO
    Year Rate
    1.31%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 655 459
    2 50,655 664 465
    3 51,319 672 471
    4 51,991 681 477
    5 52,672 690 483
    6 53,362 699 489
    7 54,061 708 496
    8 54,769 717 502
    9 55,487 727 509
    10 56,214 736 515
    11 56,950 746 522
    12 57,696 756 529
    13 58,452 766 536
    14 59,218 776 543
    15 59,993 786 550
    16 60,779 796 557
    17 61,575 807 565
    18 62,382 817 572
    19 63,199 828 580
    20 64,027 839 587
    TOTAL $14,866 $10,406
  • 4
    LOCAL MONEY MARKET
    The First National Bank of Bemidji
    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

    All calculations are for demonstration purposes only.

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