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Comparison of Deposit Account from AFFINITY ONE with 0.63% - November 2025


Long-Term Analysis of BLOOM with 0.35% APY and DIRECTIONS with 0.55% APY and AFFINITY ONE with 0.63% APY and AFFINITY ONE with 0.88% 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
    BLOOM
    0.35%
    -
    $50,000
    18 Month
    Credit Union
    0.60x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 2
    LOCAL CD
    DIRECTIONS
    0.55%
    -
    $50,000
    18 Month
    Credit Union
    0.95x (National Avg. - 0.58%)
    $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
    AFFINITY ONE
    0.63%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.63%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 313 219
    2 50,313 314 220
    3 50,627 316 221
    4 50,943 318 223
    5 51,262 320 224
    6 51,582 322 226
    7 51,905 324 227
    8 52,229 326 229
    9 52,555 328 230
    10 52,884 331 231
    11 53,214 333 233
    12 53,547 335 234
    13 53,882 337 236
    14 54,218 339 237
    15 54,557 341 239
    16 54,898 343 240
    17 55,241 345 242
    18 55,587 347 243
    19 55,934 350 245
    20 56,284 352 246
    TOTAL $6,635 $4,645
  • 4
    LOCAL CD
    AFFINITY ONE
    0.88%
    -
    $50,000
    48 Month
    Credit Union
    1.07x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.88%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 438 307
    2 50,438 442 309
    3 50,880 446 312
    4 51,326 450 315
    5 51,775 454 317
    6 52,229 458 320
    7 52,686 462 323
    8 53,148 466 326
    9 53,613 470 329
    10 54,083 474 332
    11 54,557 478 335
    12 55,035 482 337
    13 55,517 486 340
    14 56,003 491 343
    15 56,494 495 346
    16 56,989 499 349
    17 57,488 504 353
    18 57,991 508 356
    19 58,499 512 359
    20 59,012 517 362
    TOTAL $9,529 $6,670

    All calculations are for demonstration purposes only.

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