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Comparison of Deposit Account from ALCOA TENN with 0.70% - October 2026


Long-Term Analysis of COOSA VALLEY with 0.80% APY and FNB SOUTH with 0.25% APY and MUTUAL SAVINGS with 1.36% APY and FIRST NEW YORK with 0.10% APY and ALCOA TENN with 0.70% APY and InsBank with 4.15% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    COOSA VALLEY
    0.80%
    -
    $50,000
    48 Month
    Credit Union
    0.97x (National Avg. - 0.82%)
    $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 SAVINGS
    FNB SOUTH
    0.25%
    -
    $50,000
    N.A.
    Bank
    1.07x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 3
    LOCAL CD
    MUTUAL SAVINGS
    1.36%
    -
    $50,000
    60 Month
    Credit Union
    1.46x (National Avg. - 0.93%)
    $100,000
     
    SCENARIO
    Year Rate
    1.36%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 679 475
    2 50,679 688 482
    3 51,367 698 488
    4 52,065 707 495
    5 52,772 717 502
    6 53,488 726 508
    7 54,215 736 515
    8 54,951 746 522
    9 55,697 756 529
    10 56,454 767 537
    11 57,220 777 544
    12 57,997 788 551
    13 58,785 798 559
    14 59,583 809 566
    15 60,392 820 574
    16 61,213 831 582
    17 62,044 843 590
    18 62,886 854 598
    19 63,740 866 606
    20 64,606 877 614
    TOTAL $15,483 $10,838
  • 4
    LOCAL MONEY MARKET
    FIRST NEW YORK
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.11x (National Avg. - 0.93%)
    $2,500
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 5
    LOCAL CD
    ALCOA TENN
    0.70%
    -
    $50,000
    36 Month
    Credit Union
    0.92x (National Avg. - 0.76%)
    $100,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240
  • 6
    LOCAL CD
    InsBank
    4.15%
    -
    $50,000
    12 Month
    Bank
    7.52x (National Avg. - 0.55%)
    $50,000
     
    SCENARIO
    Year Rate
    4.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,075 1,453
    2 52,075 2,161 1,513
    3 54,236 2,251 1,576
    4 56,487 2,344 1,641
    5 58,831 2,441 1,709
    6 61,273 2,543 1,780
    7 63,815 2,648 1,854
    8 66,464 2,758 1,931
    9 69,222 2,873 2,011
    10 72,095 2,992 2,094
    11 75,087 3,116 2,181
    12 78,203 3,245 2,272
    13 81,448 3,380 2,366
    14 84,828 3,520 2,464
    15 88,349 3,666 2,567
    16 92,015 3,819 2,673
    17 95,834 3,977 2,784
    18 99,811 4,142 2,900
    19 103,953 4,314 3,020
    20 108,267 4,493 3,145
    TOTAL $62,760 $43,932

    All calculations are for demonstration purposes only.

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