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Comparison of Deposit Account from Wintrust Bank, National Association with 0.30% - April 2025


Long-Term Analysis of BLUE EAGLE with 1.50% APY and Cross County Bank with 0.65% APY and Focus Bank with 0.80% APY and Champion Bank with 0.91% APY and ORLANDO with 0.10% APY and F&M Bank with 0.65% APY and Wintrust Bank, National Association with 0.30% APY and Peoples Bank with 0.10% APY and Peoples State Bank of Munising with 0.75% APY and AMERICU with 0.50% APY and FIRST HERITAGE with 1.51% APY and Mabrey Bank with 0.03% APY and LIFE with 0.05% APY and MOBILITY CREDIT UNION with 0.75% APY and SOUTHLAND with 0.60% APY and SOUTH TEXAS AREA RESOURCES with 0.40% APY and SAINT LAWRENCE with 1.00% APY and Banner Bank with 2.69% APY and Nicolet National Bank with 0.25% 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
    BLUE EAGLE
    1.50%
    -
    $50,000
    60 Month
    Credit Union
    1.63x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 750 525
    2 50,750 761 533
    3 51,511 773 541
    4 52,284 784 549
    5 53,068 796 557
    6 53,864 808 566
    7 54,672 820 574
    8 55,492 832 583
    9 56,325 845 591
    10 57,169 858 600
    11 58,027 870 609
    12 58,897 883 618
    13 59,781 897 628
    14 60,678 910 637
    15 61,588 924 647
    16 62,512 938 656
    17 63,449 952 666
    18 64,401 966 676
    19 65,367 981 686
    20 66,348 995 697
    TOTAL $17,343 $12,140
  • 2
    LOCAL CD
    Cross County Bank
    0.65%
    -
    $50,000
    24 Month
    Bank
    0.98x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842
  • 3
    LOCAL CD
    Focus Bank
    0.80%
    -
    $50,000
    36 Month
    Bank
    1.06x (National Avg. - 0.75%)
    $100,000
     
    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
  • 4
    LOCAL CD
    Champion Bank
    0.91%
    -
    $50,000
    18 Month
    Bank
    1.57x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.91%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 455 319
    2 50,455 459 321
    3 50,914 463 324
    4 51,377 468 327
    5 51,845 472 330
    6 52,317 476 333
    7 52,793 480 336
    8 53,273 485 339
    9 53,758 489 342
    10 54,247 494 346
    11 54,741 498 349
    12 55,239 503 352
    13 55,742 507 355
    14 56,249 512 358
    15 56,761 517 362
    16 57,277 521 365
    17 57,799 526 368
    18 58,325 531 372
    19 58,855 536 375
    20 59,391 540 378
    TOTAL $9,931 $6,952
  • 5
    LOCAL MONEY MARKET
    ORLANDO
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.17x (National Avg. - 0.58%)
    $10,000
     
    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
  • 6
    LOCAL CD
    F&M Bank
    0.65%
    -
    $50,000
    24 Month
    Bank
    0.98x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842
  • 7
    LOCAL CD
    Wintrust Bank, National Association
    0.30%
    -
    $50,000
    36 Month
    Bank
    0.40x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 8
    LOCAL MONEY MARKET
    Peoples Bank
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.13x (National Avg. - 0.75%)
    $25,000
     
    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
  • 9
    LOCAL CD
    Peoples State Bank of Munising
    0.75%
    -
    $50,000
    24 Month
    Bank
    1.14x (National Avg. - 0.66%)
    $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
  • 10
    LOCAL MONEY MARKET
    AMERICU
    0.50%
    -
    $50,000
    N.A.
    Credit Union
    0.76x (National Avg. - 0.66%)
    $25,000
     
    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
  • 11
    LOCAL CD
    FIRST HERITAGE
    1.51%
    -
    $50,000
    60 Month
    Credit Union
    1.64x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.51%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 755 529
    2 50,755 766 536
    3 51,521 778 545
    4 52,299 790 553
    5 53,089 802 561
    6 53,891 814 570
    7 54,704 826 578
    8 55,531 839 587
    9 56,369 851 596
    10 57,220 864 605
    11 58,084 877 614
    12 58,961 890 623
    13 59,852 904 633
    14 60,755 917 642
    15 61,673 931 652
    16 62,604 945 662
    17 63,549 960 672
    18 64,509 974 682
    19 65,483 989 692
    20 66,472 1,004 703
    TOTAL $17,476 $12,233
  • 12
    LOCAL MONEY MARKET
    Mabrey Bank
    0.03%
    -
    $50,000
    N.A.
    Bank
    0.03x (National Avg. - 0.92%)
    $2,500
     
    SCENARIO
    Year Rate
    0.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 15 11
    2 50,015 15 11
    3 50,030 15 11
    4 50,045 15 11
    5 50,060 15 11
    6 50,075 15 11
    7 50,090 15 11
    8 50,105 15 11
    9 50,120 15 11
    10 50,135 15 11
    11 50,150 15 11
    12 50,165 15 11
    13 50,180 15 11
    14 50,195 15 11
    15 50,210 15 11
    16 50,225 15 11
    17 50,241 15 11
    18 50,256 15 11
    19 50,271 15 11
    20 50,286 15 11
    TOTAL $301 $211
  • 13
    LOCAL SAVINGS
    LIFE
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.22x (National Avg. - 0.22%)
    $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
  • 14
    LOCAL CD
    MOBILITY CREDIT UNION
    0.75%
    -
    $50,000
    6 Month
    Credit Union
    1.85x (National Avg. - 0.41%)
    $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
  • 15
    LOCAL CD
    SOUTHLAND
    0.60%
    -
    $50,000
    48 Month
    Credit Union
    0.74x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 302 211
    2 50,302 303 212
    3 50,605 305 214
    4 50,910 307 215
    5 51,217 309 216
    6 51,526 311 217
    7 51,836 313 219
    8 52,149 314 220
    9 52,464 316 221
    10 52,780 318 223
    11 53,098 320 224
    12 53,418 322 225
    13 53,740 324 227
    14 54,064 326 228
    15 54,390 328 230
    16 54,718 330 231
    17 55,048 332 232
    18 55,380 334 234
    19 55,714 336 235
    20 56,050 338 237
    TOTAL $6,388 $4,472
  • 16
    LOCAL MONEY MARKET
    SOUTH TEXAS AREA RESOURCES
    0.40%
    -
    $50,000
    N.A.
    Credit Union
    0.49x (National Avg. - 0.82%)
    $2,500
     
    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
  • 17
    LOCAL CD
    SAINT LAWRENCE
    1.00%
    -
    $50,000
    6 Month
    Credit Union
    2.46x (National Avg. - 0.41%)
    $25,000
     
    SCENARIO
    Year Rate
    1.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 500 350
    2 50,500 505 354
    3 51,005 510 357
    4 51,515 515 361
    5 52,030 520 364
    6 52,551 526 368
    7 53,076 531 372
    8 53,607 536 375
    9 54,143 541 379
    10 54,684 547 383
    11 55,231 552 387
    12 55,783 558 390
    13 56,341 563 394
    14 56,905 569 398
    15 57,474 575 402
    16 58,048 580 406
    17 58,629 586 410
    18 59,215 592 415
    19 59,807 598 419
    20 60,405 604 423
    TOTAL $11,010 $7,707
  • 18
    LOCAL SAVINGS
    Banner Bank
    2.69%
    -
    $50,000
    N.A.
    Bank
    12.01x (National Avg. - 0.22%)
    $100,000
     
    SCENARIO
    Year Rate
    2.69%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,345 942
    2 51,345 1,381 967
    3 52,726 1,418 993
    4 54,145 1,456 1,020
    5 55,601 1,496 1,047
    6 57,097 1,536 1,075
    7 58,633 1,577 1,104
    8 60,210 1,620 1,134
    9 61,829 1,663 1,164
    10 63,493 1,708 1,196
    11 65,201 1,754 1,228
    12 66,954 1,801 1,261
    13 68,756 1,850 1,295
    14 70,605 1,899 1,329
    15 72,504 1,950 1,365
    16 74,455 2,003 1,402
    17 76,458 2,057 1,440
    18 78,514 2,112 1,478
    19 80,626 2,169 1,518
    20 82,795 2,227 1,559
    TOTAL $35,022 $24,516
  • 19
    LOCAL SAVINGS
    Nicolet National Bank
    0.25%
    -
    $50,000
    N.A.
    Bank
    1.12x (National Avg. - 0.22%)
    $5,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792

    All calculations are for demonstration purposes only.

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