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Comparison of Deposit Account from ALTRA with 0.05% - November 2026


Long-Term Analysis of ALTRA with 0.05% APY and MOHAWK VALLEY with 4.07% 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 SAVINGS
    ALTRA
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.21x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 2
    LOCAL CD
    MOHAWK VALLEY
    4.07%
    -
    $50,000
    24 Month
    Credit Union
    6.13x (National Avg. - 0.67%)
    $1,000
     
    SCENARIO
    Year Rate
    4.07%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,037 1,426
    2 52,037 2,120 1,484
    3 54,157 2,206 1,544
    4 56,363 2,296 1,607
    5 58,660 2,390 1,673
    6 61,049 2,487 1,741
    7 63,537 2,588 1,812
    8 66,125 2,694 1,886
    9 68,819 2,804 1,963
    10 71,623 2,918 2,043
    11 74,541 3,037 2,126
    12 77,577 3,160 2,212
    13 80,738 3,289 2,302
    14 84,027 3,423 2,396
    15 87,450 3,563 2,494
    16 91,013 3,708 2,596
    17 94,721 3,859 2,701
    18 98,580 4,016 2,811
    19 102,596 4,180 2,926
    20 106,776 4,350 3,045
    TOTAL $61,126 $42,788

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑0.05% on October 8.
    Early Withdrawal Penalty is 730 days interest.

    Last change: ↑0.10% on October 8.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.81% on April 27.

    Last change: ↑0.80% on April 27.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↑0.78% on April 27.
    Early Withdrawal Penalty is 90 days interest.

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