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Comparison of Deposit Account from ADVANTIS with 0.55% - December 2025


Long-Term Analysis of FIRSTLIGHT with 0.30% APY and ADVANTIS with 0.55% APY and PCB Bank with 1.77% 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
    FIRSTLIGHT
    0.30%
    -
    $50,000
    24 Month
    Credit Union
    0.46x (National Avg. - 0.66%)
    $100,000
     
    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
  • 2
    LOCAL CD
    ADVANTIS
    0.55%
    -
    $50,000
    24 Month
    Credit Union
    0.83x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 275 193
    2 50,275 277 194
    3 50,552 278 195
    4 50,830 280 196
    5 51,109 281 197
    6 51,390 283 198
    7 51,673 284 199
    8 51,957 286 200
    9 52,243 287 201
    10 52,530 289 202
    11 52,819 291 203
    12 53,110 292 204
    13 53,402 294 206
    14 53,695 295 207
    15 53,991 297 208
    16 54,288 299 209
    17 54,586 300 210
    18 54,886 302 211
    19 55,188 304 212
    20 55,492 305 214
    TOTAL $5,797 $4,058
  • 3
    LOCAL CD
    PCB Bank
    1.77%
    -
    $50,000
    60 Month
    Bank
    1.92x (National Avg. - 0.92%)
    $1,000
     
    SCENARIO
    Year Rate
    1.77%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 885 620
    2 50,885 901 630
    3 51,786 917 642
    4 52,702 933 653
    5 53,635 949 665
    6 54,584 966 676
    7 55,551 983 688
    8 56,534 1,001 700
    9 57,534 1,018 713
    10 58,553 1,036 725
    11 59,589 1,055 738
    12 60,644 1,073 751
    13 61,717 1,092 765
    14 62,810 1,112 778
    15 63,921 1,131 792
    16 65,053 1,151 806
    17 66,204 1,172 820
    18 67,376 1,193 835
    19 68,569 1,214 850
    20 69,782 1,235 865
    TOTAL $21,018 $14,712

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↓0.15% on November 26.

    Last change: ↓0.10% on September 17.

    Last change: ↓0.05% on December 8.

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