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Comparison of Deposit Account from ALPENA-ALCONA AREA with 0.60% - November 2026


Long-Term Analysis of BANNER with 0.45% APY and GUADALUPE PARISH with 0.96% APY and GUADALUPE PARISH with 0.94% APY and LAKE SUPERIOR with 0.25% APY and ALPENA-ALCONA AREA with 0.60% APY and DAKOTA PLAINS with 4.57% 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
    BANNER
    0.45%
    -
    $50,000
    18 Month
    Credit Union
    0.77x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 225 158
    2 50,225 226 158
    3 50,451 227 159
    4 50,678 228 160
    5 50,906 229 160
    6 51,135 230 161
    7 51,365 231 162
    8 51,596 232 163
    9 51,829 233 163
    10 52,062 234 164
    11 52,296 235 165
    12 52,531 236 165
    13 52,768 237 166
    14 53,005 239 167
    15 53,244 240 168
    16 53,483 241 168
    17 53,724 242 169
    18 53,966 243 170
    19 54,209 244 171
    20 54,453 245 172
    TOTAL $4,698 $3,288
  • 2
    LOCAL CD
    GUADALUPE PARISH
    0.96%
    -
    $50,000
    12 Month
    Credit Union
    1.73x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.96%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 478 334
    2 50,478 482 337
    3 50,960 487 341
    4 51,446 491 344
    5 51,938 496 347
    6 52,434 501 351
    7 52,934 506 354
    8 53,440 510 357
    9 53,950 515 361
    10 54,465 520 364
    11 54,986 525 368
    12 55,511 530 371
    13 56,041 535 375
    14 56,576 540 378
    15 57,116 545 382
    16 57,662 551 385
    17 58,212 556 389
    18 58,768 561 393
    19 59,330 567 397
    20 59,896 572 400
    TOTAL $10,468 $7,328
  • 3
    LOCAL CD
    GUADALUPE PARISH
    0.94%
    -
    $50,000
    24 Month
    Credit Union
    1.42x (National Avg. - 0.67%)
    $10,000
     
    SCENARIO
    Year Rate
    0.94%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 472 330
    2 50,472 476 334
    3 50,948 481 337
    4 51,429 485 340
    5 51,915 490 343
    6 52,405 495 346
    7 52,900 499 350
    8 53,399 504 353
    9 53,903 509 356
    10 54,412 514 360
    11 54,926 518 363
    12 55,444 523 366
    13 55,968 528 370
    14 56,496 533 373
    15 57,029 538 377
    16 57,568 543 380
    17 58,111 549 384
    18 58,660 554 388
    19 59,213 559 391
    20 59,772 564 395
    TOTAL $10,337 $7,236
  • 4
    LOCAL CD
    LAKE SUPERIOR
    0.25%
    -
    $50,000
    18 Month
    Credit Union
    0.43x (National Avg. - 0.58%)
    $10,000
     
    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
  • 5
    LOCAL CD
    ALPENA-ALCONA AREA
    0.60%
    -
    $50,000
    18 Month
    Credit Union
    1.03x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 6
    LOCAL CD
    DAKOTA PLAINS
    4.57%
    -
    $50,000
    3 Month
    Credit Union
    2.00x (National Avg. - 2.29%)
    $250
     
    SCENARIO
    Year Rate
    4.57%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,285 1,600
    2 52,285 2,389 1,673
    3 54,674 2,499 1,749
    4 57,173 2,613 1,829
    5 59,786 2,732 1,913
    6 62,518 2,857 2,000
    7 65,375 2,988 2,091
    8 68,363 3,124 2,187
    9 71,487 3,267 2,287
    10 74,754 3,416 2,391
    11 78,170 3,572 2,501
    12 81,743 3,736 2,615
    13 85,478 3,906 2,734
    14 89,385 4,085 2,859
    15 93,469 4,272 2,990
    16 97,741 4,467 3,127
    17 102,208 4,671 3,270
    18 106,879 4,884 3,419
    19 111,763 5,108 3,575
    20 116,871 5,341 3,739
    TOTAL $72,212 $50,548

    All calculations are for demonstration purposes only.

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