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Comparison of Deposit Account from WELLSPRING with 0.82% - April 2025


Long-Term Analysis of MTC with 4.32% APY and DEPARTMENT OF COMMERCE with 2.02% APY and TINKER with 4.01% APY and UNIVERSITY & COMMUNITY with 0.75% APY and MTC with 4.78% APY and MTC with 4.83% APY and MTC with 3.75% APY and WELLSPRING with 0.82% APY and DELTA COMMUNITY with 3.00% 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
    MTC
    4.32%
    -
    $50,000
    36 Month
    Credit Union
    5.74x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    4.32%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,160 1,512
    2 52,160 2,253 1,577
    3 54,413 2,351 1,645
    4 56,764 2,452 1,717
    5 59,216 2,558 1,791
    6 61,774 2,669 1,868
    7 64,443 2,784 1,949
    8 67,227 2,904 2,033
    9 70,131 3,030 2,121
    10 73,161 3,161 2,212
    11 76,321 3,297 2,308
    12 79,618 3,440 2,408
    13 83,058 3,588 2,512
    14 86,646 3,743 2,620
    15 90,389 3,905 2,733
    16 94,294 4,073 2,851
    17 98,367 4,249 2,975
    18 102,617 4,433 3,103
    19 107,050 4,625 3,237
    20 111,674 4,824 3,377
    TOTAL $66,499 $46,549
  • 2
    LOCAL CD
    DEPARTMENT OF COMMERCE
    2.02%
    -
    $50,000
    48 Month
    Credit Union
    2.48x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    2.02%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,010 707
    2 51,010 1,030 721
    3 52,040 1,051 736
    4 53,092 1,072 751
    5 54,164 1,094 766
    6 55,258 1,116 781
    7 56,374 1,139 797
    8 57,513 1,162 813
    9 58,675 1,185 830
    10 59,860 1,209 846
    11 61,069 1,234 864
    12 62,303 1,259 881
    13 63,561 1,284 899
    14 64,845 1,310 917
    15 66,155 1,336 935
    16 67,492 1,363 954
    17 68,855 1,391 974
    18 70,246 1,419 993
    19 71,665 1,448 1,013
    20 73,112 1,477 1,034
    TOTAL $24,589 $17,212
  • 3
    LOCAL CD
    TINKER
    4.01%
    -
    $50,000
    6 Month
    Credit Union
    9.88x (National Avg. - 0.41%)
    $99,000
     
    SCENARIO
    Year Rate
    4.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,005 1,404
    2 52,005 2,085 1,460
    3 54,090 2,169 1,518
    4 56,259 2,256 1,579
    5 58,515 2,346 1,643
    6 60,862 2,441 1,708
    7 63,302 2,538 1,777
    8 65,841 2,640 1,848
    9 68,481 2,746 1,922
    10 71,227 2,856 1,999
    11 74,083 2,971 2,080
    12 77,054 3,090 2,163
    13 80,144 3,214 2,250
    14 83,358 3,343 2,340
    15 86,700 3,477 2,434
    16 90,177 3,616 2,531
    17 93,793 3,761 2,633
    18 97,554 3,912 2,738
    19 101,466 4,069 2,848
    20 105,535 4,232 2,962
    TOTAL $59,767 $41,837
  • 4
    LOCAL CD
    UNIVERSITY & COMMUNITY
    0.75%
    -
    $50,000
    6 Month
    Credit Union
    1.85x (National Avg. - 0.41%)
    $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
  • 5
    LOCAL CD
    MTC
    4.78%
    -
    $50,000
    7 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    4.78%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,390 1,673
    2 52,390 2,504 1,753
    3 54,894 2,624 1,837
    4 57,518 2,749 1,925
    5 60,268 2,881 2,017
    6 63,148 3,018 2,113
    7 66,167 3,163 2,214
    8 69,330 3,314 2,320
    9 72,644 3,472 2,431
    10 76,116 3,638 2,547
    11 79,754 3,812 2,669
    12 83,567 3,994 2,796
    13 87,561 4,185 2,930
    14 91,746 4,385 3,070
    15 96,132 4,595 3,217
    16 100,727 4,815 3,370
    17 105,542 5,045 3,531
    18 110,587 5,286 3,700
    19 115,873 5,539 3,877
    20 121,411 5,803 4,062
    TOTAL $77,215 $54,050
  • 6
    LOCAL CD
    MTC
    4.83%
    -
    $50,000
    26 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    4.83%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,415 1,691
    2 52,415 2,532 1,772
    3 54,947 2,654 1,858
    4 57,601 2,782 1,947
    5 60,383 2,916 2,042
    6 63,299 3,057 2,140
    7 66,357 3,205 2,244
    8 69,562 3,360 2,352
    9 72,921 3,522 2,465
    10 76,443 3,692 2,585
    11 80,136 3,871 2,709
    12 84,006 4,058 2,840
    13 88,064 4,253 2,977
    14 92,317 4,459 3,121
    15 96,776 4,674 3,272
    16 101,450 4,900 3,430
    17 106,350 5,137 3,596
    18 111,487 5,385 3,769
    19 116,872 5,645 3,951
    20 122,517 5,918 4,142
    TOTAL $78,435 $54,904
  • 7
    LOCAL CD
    MTC
    3.75%
    -
    $50,000
    3 Month
    Credit Union
    1.71x (National Avg. - 2.19%)
    $10,000
     
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085
  • 8
    LOCAL CD
    WELLSPRING
    0.82%
    -
    $50,000
    36 Month
    Credit Union
    1.09x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.82%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 412 288
    2 50,412 415 290
    3 50,826 418 293
    4 51,245 422 295
    5 51,666 425 298
    6 52,092 429 300
    7 52,520 432 303
    8 52,953 436 305
    9 53,388 439 308
    10 53,828 443 310
    11 54,271 447 313
    12 54,717 450 315
    13 55,168 454 318
    14 55,622 458 320
    15 56,080 462 323
    16 56,541 465 326
    17 57,006 469 328
    18 57,476 473 331
    19 57,949 477 334
    20 58,426 481 337
    TOTAL $8,906 $6,234
  • 9
    LOCAL CD
    DELTA COMMUNITY
    3.00%
    -
    $50,000
    36 Month
    Credit Union
    3.98x (National Avg. - 0.75%)
    $1,000
     
    SCENARIO
    Year Rate
    3.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,500 1,050
    2 51,500 1,545 1,082
    3 53,045 1,591 1,114
    4 54,636 1,639 1,147
    5 56,275 1,688 1,182
    6 57,964 1,739 1,217
    7 59,703 1,791 1,254
    8 61,494 1,845 1,291
    9 63,339 1,900 1,330
    10 65,239 1,957 1,370
    11 67,196 2,016 1,411
    12 69,212 2,076 1,453
    13 71,288 2,139 1,497
    14 73,427 2,203 1,542
    15 75,629 2,269 1,588
    16 77,898 2,337 1,636
    17 80,235 2,407 1,685
    18 82,642 2,479 1,735
    19 85,122 2,554 1,788
    20 87,675 2,630 1,841
    TOTAL $40,306 $28,214

    All calculations are for demonstration purposes only.

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