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Comparison of Deposit Account from VISIONS with 1.40% - April 2025


Long-Term Analysis of VISIONS with 1.40% APY and ASPIRE with 0.20% APY and VISIONS with 1.90% APY and VISIONS with 0.20% APY and VISIONS with 1.65% 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 MONEY MARKET
    VISIONS
    1.40%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    1.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 700 490
    2 50,700 710 497
    3 51,410 720 504
    4 52,130 730 511
    5 52,859 740 518
    6 53,599 750 525
    7 54,350 761 533
    8 55,111 772 540
    9 55,882 782 548
    10 56,665 793 555
    11 57,458 804 563
    12 58,262 816 571
    13 59,078 827 579
    14 59,905 839 587
    15 60,744 850 595
    16 61,594 862 604
    17 62,456 874 612
    18 63,331 887 621
    19 64,217 899 629
    20 65,117 912 638
    TOTAL $16,028 $11,220
  • 2
    LOCAL CD
    ASPIRE
    0.20%
    -
    $50,000
    36 Month
    Credit Union
    0.27x (National Avg. - 0.75%)
    $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
  • 3
    LOCAL MONEY MARKET
    VISIONS
    1.90%
    -
    $50,000
    N.A.
    Credit Union
    2.52x (National Avg. - 0.75%)
    $500,000
     
    SCENARIO
    Year Rate
    1.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 950 665
    2 50,950 968 678
    3 51,918 986 691
    4 52,904 1,005 704
    5 53,910 1,024 717
    6 54,934 1,044 731
    7 55,978 1,064 745
    8 57,041 1,084 759
    9 58,125 1,104 773
    10 59,229 1,125 788
    11 60,355 1,147 803
    12 61,502 1,169 818
    13 62,670 1,191 834
    14 63,861 1,213 849
    15 65,074 1,236 865
    16 66,311 1,260 882
    17 67,570 1,284 899
    18 68,854 1,308 916
    19 70,163 1,333 933
    20 71,496 1,358 951
    TOTAL $22,854 $15,998
  • 4
    LOCAL SAVINGS
    VISIONS
    0.20%
    -
    $50,000
    N.A.
    Credit Union
    0.90x (National Avg. - 0.22%)
    $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
  • 5
    LOCAL MONEY MARKET
    VISIONS
    1.65%
    -
    $50,000
    N.A.
    Credit Union
    7.40x (National Avg. - 0.22%)
    $250,000
     
    SCENARIO
    Year Rate
    1.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 825 578
    2 50,825 839 587
    3 51,664 852 597
    4 52,516 867 607
    5 53,383 881 617
    6 54,263 895 627
    7 55,159 910 637
    8 56,069 925 648
    9 56,994 940 658
    10 57,934 956 669
    11 58,890 972 680
    12 59,862 988 691
    13 60,850 1,004 703
    14 61,854 1,021 714
    15 62,874 1,037 726
    16 63,912 1,055 738
    17 64,966 1,072 750
    18 66,038 1,090 763
    19 67,128 1,108 775
    20 68,235 1,126 788
    TOTAL $19,361 $13,553

    All calculations are for demonstration purposes only.

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