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Comparison of Deposit Account from WYOCHEM with 2.02% - March 2025


Long-Term Analysis of USC with 0.80% APY and WYOCHEM with 2.02% 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
    USC
    0.80%
    -
    $50,000
    12 Month
    Credit Union
    1.45x (National Avg. - 0.55%)
    $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
  • 2
    LOCAL CD
    WYOCHEM
    2.02%
    -
    $50,000
    24 Month
    Credit Union
    3.06x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    2.02%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,009 706
    2 51,009 1,029 721
    3 52,038 1,050 735
    4 53,088 1,071 750
    5 54,160 1,093 765
    6 55,253 1,115 781
    7 56,368 1,138 796
    8 57,505 1,160 812
    9 58,666 1,184 829
    10 59,850 1,208 845
    11 61,057 1,232 862
    12 62,290 1,257 880
    13 63,547 1,282 898
    14 64,829 1,308 916
    15 66,137 1,335 934
    16 67,472 1,362 953
    17 68,833 1,389 972
    18 70,222 1,417 992
    19 71,639 1,446 1,012
    20 73,085 1,475 1,032
    TOTAL $24,560 $17,192

    All calculations are for demonstration purposes only.

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