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Comparison of Deposit Account from ADDITION FINANCIAL with 0.75% - November 2025


Long-Term Analysis of LIBRARY OF CONGRESS with 3.65% APY and ADDITION FINANCIAL with 2.53% APY and ADDITION FINANCIAL with 0.75% APY and ADDITION FINANCIAL with 1.31% APY and MCCOY with 1.92% 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
    LIBRARY OF CONGRESS
    3.65%
    -
    $50,000
    24 Month
    Credit Union
    5.53x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    3.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,825 1,278
    2 51,825 1,892 1,324
    3 53,717 1,961 1,372
    4 55,677 2,032 1,423
    5 57,709 2,106 1,474
    6 59,816 2,183 1,528
    7 61,999 2,263 1,584
    8 64,262 2,346 1,642
    9 66,608 2,431 1,702
    10 69,039 2,520 1,764
    11 71,559 2,612 1,828
    12 74,171 2,707 1,895
    13 76,878 2,806 1,964
    14 79,684 2,908 2,036
    15 82,592 3,015 2,110
    16 85,607 3,125 2,187
    17 88,732 3,239 2,267
    18 91,970 3,357 2,350
    19 95,327 3,479 2,436
    20 98,807 3,606 2,525
    TOTAL $52,413 $36,689
  • 2
    LOCAL CD
    ADDITION FINANCIAL
    2.53%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    2.53%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,265 886
    2 51,265 1,297 908
    3 52,562 1,330 931
    4 53,892 1,363 954
    5 55,255 1,398 979
    6 56,653 1,433 1,003
    7 58,087 1,470 1,029
    8 59,556 1,507 1,055
    9 61,063 1,545 1,081
    10 62,608 1,584 1,109
    11 64,192 1,624 1,137
    12 65,816 1,665 1,166
    13 67,481 1,707 1,195
    14 69,188 1,750 1,225
    15 70,939 1,795 1,256
    16 72,733 1,840 1,288
    17 74,574 1,887 1,321
    18 76,460 1,934 1,354
    19 78,395 1,983 1,388
    20 80,378 2,034 1,423
    TOTAL $32,412 $22,688
  • 3
    LOCAL MONEY MARKET
    ADDITION FINANCIAL
    0.75%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $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
  • 4
    LOCAL MONEY MARKET
    ADDITION FINANCIAL
    1.31%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $250,000
     
    SCENARIO
    Year Rate
    1.31%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 655 459
    2 50,655 664 465
    3 51,319 672 471
    4 51,991 681 477
    5 52,672 690 483
    6 53,362 699 489
    7 54,061 708 496
    8 54,769 717 502
    9 55,487 727 509
    10 56,214 736 515
    11 56,950 746 522
    12 57,696 756 529
    13 58,452 766 536
    14 59,218 776 543
    15 59,993 786 550
    16 60,779 796 557
    17 61,575 807 565
    18 62,382 817 572
    19 63,199 828 580
    20 64,027 839 587
    TOTAL $14,866 $10,406
  • 5
    LOCAL CD
    MCCOY
    1.92%
    -
    $50,000
    12 Month
    Credit Union
    3.49x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    1.92%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 959 671
    2 50,959 977 684
    3 51,935 996 697
    4 52,931 1,015 710
    5 53,946 1,034 724
    6 54,980 1,054 738
    7 56,034 1,074 752
    8 57,108 1,095 766
    9 58,203 1,116 781
    10 59,318 1,137 796
    11 60,456 1,159 811
    12 61,615 1,181 827
    13 62,796 1,204 843
    14 63,999 1,227 859
    15 65,226 1,250 875
    16 66,477 1,274 892
    17 67,751 1,299 909
    18 69,050 1,324 927
    19 70,374 1,349 944
    20 71,723 1,375 962
    TOTAL $23,098 $16,168

    All calculations are for demonstration purposes only.

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