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Comparison of Deposit Account from ARMSTRONG ASSOCIATES with 0.30% - August 2025


Long-Term Analysis of MCCOY with 2.48% APY and ARMSTRONG ASSOCIATES with 0.30% 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
    MCCOY
    2.48%
    -
    $50,000
    36 Month
    Credit Union
    3.29x (National Avg. - 0.75%)
    $5,000
     
    SCENARIO
    Year Rate
    2.48%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,239 867
    2 51,239 1,270 889
    3 52,509 1,301 911
    4 53,810 1,333 933
    5 55,143 1,366 957
    6 56,510 1,400 980
    7 57,910 1,435 1,005
    8 59,345 1,471 1,029
    9 60,816 1,507 1,055
    10 62,323 1,544 1,081
    11 63,867 1,583 1,108
    12 65,450 1,622 1,135
    13 67,071 1,662 1,163
    14 68,733 1,703 1,192
    15 70,437 1,745 1,222
    16 72,182 1,789 1,252
    17 73,971 1,833 1,283
    18 75,804 1,878 1,315
    19 77,682 1,925 1,347
    20 79,607 1,973 1,381
    TOTAL $31,580 $22,106
  • 2
    LOCAL CD
    ARMSTRONG ASSOCIATES
    0.30%
    -
    $50,000
    12 Month
    Credit Union
    0.54x (National Avg. - 0.55%)
    $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

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.10% on July 13.

    Last change: ↓0.05% on August 2.
    7-Month CD.

    Last change: ↓0.05% on April 30.
    Early Withdrawal Penalty is 3 months interest.

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