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Comparison of Deposit Account from Academy Bank, National Association with 0.80% - June 2025


Long-Term Analysis of Academy Bank, National Association with 0.80% APY and NORTHLAND AREA with 1.10% APY and Bank of Hartington with 1.21% APY and WESTSTAR with 1.00% APY and CHEROKEE STRIP with 0.86% 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
    Academy Bank, National Association
    0.80%
    -
    $50,000
    60 Month
    Bank
    0.87x (National Avg. - 0.92%)
    $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
  • 2
    LOCAL CD
    NORTHLAND AREA
    1.10%
    -
    $50,000
    48 Month
    Credit Union
    1.35x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 550 385
    2 50,550 556 389
    3 51,106 562 394
    4 51,668 568 398
    5 52,237 575 402
    6 52,811 581 407
    7 53,392 587 411
    8 53,979 594 416
    9 54,573 600 420
    10 55,173 607 425
    11 55,780 614 430
    12 56,394 620 434
    13 57,014 627 439
    14 57,641 634 444
    15 58,276 641 449
    16 58,917 648 454
    17 59,565 655 459
    18 60,220 662 464
    19 60,882 670 469
    20 61,552 677 474
    TOTAL $12,229 $8,560
  • 3
    LOCAL CD
    Bank of Hartington
    1.21%
    -
    $50,000
    48 Month
    Bank
    1.48x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.21%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 605 424
    2 50,605 612 429
    3 51,217 620 434
    4 51,837 627 439
    5 52,464 635 444
    6 53,099 642 450
    7 53,742 650 455
    8 54,392 658 461
    9 55,050 666 466
    10 55,716 674 472
    11 56,390 682 478
    12 57,073 691 483
    13 57,763 699 489
    14 58,462 707 495
    15 59,170 716 501
    16 59,885 725 507
    17 60,610 733 513
    18 61,343 742 520
    19 62,086 751 526
    20 62,837 760 532
    TOTAL $13,597 $9,518
  • 4
    LOCAL CD
    WESTSTAR
    1.00%
    -
    $50,000
    36 Month
    Credit Union
    1.33x (National Avg. - 0.75%)
    $10,000
     
    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
  • 5
    LOCAL CD
    CHEROKEE STRIP
    0.86%
    -
    $50,000
    24 Month
    Credit Union
    1.30x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.86%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 430 301
    2 50,430 434 304
    3 50,864 437 306
    4 51,301 441 309
    5 51,742 445 311
    6 52,187 449 314
    7 52,636 453 317
    8 53,089 457 320
    9 53,545 460 322
    10 54,006 464 325
    11 54,470 468 328
    12 54,939 472 331
    13 55,411 477 334
    14 55,888 481 336
    15 56,368 485 339
    16 56,853 489 342
    17 57,342 493 345
    18 57,835 497 348
    19 58,333 502 351
    20 58,834 506 354
    TOTAL $9,340 $6,538

    All calculations are for demonstration purposes only.

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    Last change: ↓0.50% on October 1, 2024.

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