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Comparison of Deposit Account from WaterStone Bank, SSB with 0.50% - April 2025


Long-Term Analysis of Brookline Bank with 0.75% APY and ECO with 0.70% APY and High Country Bank with 1.70% APY and The Citizens State Bank of Cheney, Kansas with 0.80% APY and Independence Bank with 0.20% APY and MERCER COUNTY NJ TEACHERS with 0.75% APY and One American Bank with 1.96% APY and WaterStone Bank, SSB with 0.50% 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
    Brookline Bank
    0.75%
    -
    $50,000
    60 Month
    Bank
    0.82x (National Avg. - 0.92%)
    $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
  • 2
    LOCAL CD
    ECO
    0.70%
    -
    $50,000
    24 Month
    Credit Union
    1.06x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240
  • 3
    LOCAL CD
    High Country Bank
    1.70%
    -
    $50,000
    48 Month
    Bank
    2.08x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 850 595
    2 50,850 864 605
    3 51,714 879 615
    4 52,594 894 626
    5 53,488 909 637
    6 54,397 925 647
    7 55,322 940 658
    8 56,262 956 670
    9 57,219 973 681
    10 58,191 989 692
    11 59,181 1,006 704
    12 60,187 1,023 716
    13 61,210 1,041 728
    14 62,250 1,058 741
    15 63,309 1,076 753
    16 64,385 1,095 766
    17 65,479 1,113 779
    18 66,593 1,132 792
    19 67,725 1,151 806
    20 68,876 1,171 820
    TOTAL $20,047 $14,033
  • 4
    LOCAL CD
    The Citizens State Bank of Cheney, Kansas
    0.80%
    -
    $50,000
    12 Month
    Bank
    1.45x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 5
    LOCAL CD
    Independence Bank
    0.20%
    -
    $50,000
    6 Month
    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
  • 6
    LOCAL CD
    MERCER COUNTY NJ TEACHERS
    0.75%
    -
    $50,000
    36 Month
    Credit Union
    1.00x (National Avg. - 0.75%)
    $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
  • 7
    LOCAL CD
    One American Bank
    1.96%
    -
    $50,000
    36 Month
    Bank
    2.60x (National Avg. - 0.75%)
    $500
     
    SCENARIO
    Year Rate
    1.96%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 980 686
    2 50,980 999 699
    3 51,979 1,019 713
    4 52,998 1,039 727
    5 54,037 1,059 741
    6 55,096 1,080 756
    7 56,176 1,101 771
    8 57,277 1,123 786
    9 58,399 1,145 801
    10 59,544 1,167 817
    11 60,711 1,190 833
    12 61,901 1,213 849
    13 63,114 1,237 866
    14 64,351 1,261 883
    15 65,613 1,286 900
    16 66,899 1,311 918
    17 68,210 1,337 936
    18 69,547 1,363 954
    19 70,910 1,390 973
    20 72,300 1,417 992
    TOTAL $23,717 $16,602
  • 8
    LOCAL CD
    WaterStone Bank, SSB
    0.50%
    -
    $50,000
    48 Month
    Bank
    0.61x (National Avg. - 0.82%)
    $10,000
     
    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

    All calculations are for demonstration purposes only.

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