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Comparison of Deposit Account from ASCENTRA with 0.90% - May 2025


Long-Term Analysis of Security Bank of Crawford with 1.35% APY and DUTCH POINT with 1.15% APY and ASCENTRA with 0.90% APY and Mutual Savings Bank with 0.10% APY and Old National Bank with 0.35% APY and The Callaway Bank with 0.74% 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
    Security Bank of Crawford
    1.35%
    -
    $50,000
    48 Month
    Bank
    1.65x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 675 473
    2 50,675 684 479
    3 51,359 693 485
    4 52,052 703 492
    5 52,755 712 499
    6 53,467 722 505
    7 54,189 732 512
    8 54,921 741 519
    9 55,662 751 526
    10 56,414 762 533
    11 57,175 772 540
    12 57,947 782 548
    13 58,729 793 555
    14 59,522 804 562
    15 60,326 814 570
    16 61,140 825 578
    17 61,966 837 586
    18 62,802 848 593
    19 63,650 859 601
    20 64,509 871 610
    TOTAL $15,380 $10,766
  • 2
    LOCAL CD
    DUTCH POINT
    1.15%
    -
    $50,000
    60 Month
    Credit Union
    1.25x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 575 403
    2 50,575 582 407
    3 51,157 588 412
    4 51,745 595 417
    5 52,340 602 421
    6 52,942 609 426
    7 53,551 616 431
    8 54,167 623 436
    9 54,789 630 441
    10 55,420 637 446
    11 56,057 645 451
    12 56,702 652 456
    13 57,354 660 462
    14 58,013 667 467
    15 58,680 675 472
    16 59,355 683 478
    17 60,038 690 483
    18 60,728 698 489
    19 61,427 706 494
    20 62,133 715 500
    TOTAL $12,847 $8,993
  • 3
    LOCAL CD
    ASCENTRA
    0.90%
    -
    $50,000
    24 Month
    Credit Union
    1.37x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 4
    LOCAL CD
    Mutual Savings Bank
    0.10%
    -
    $50,000
    12 Month
    Bank
    0.18x (National Avg. - 0.55%)
    $10,000
     
    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
    Old National Bank
    0.35%
    -
    $50,000
    48 Month
    Bank
    0.43x (National Avg. - 0.82%)
    $100,000
     
    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
  • 6
    LOCAL CD
    The Callaway Bank
    0.74%
    -
    $50,000
    12 Month
    Bank
    1.35x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.74%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 371 260
    2 50,371 374 262
    3 50,745 377 264
    4 51,121 379 266
    5 51,501 382 267
    6 51,883 385 269
    7 52,268 388 271
    8 52,656 391 273
    9 53,046 394 276
    10 53,440 397 278
    11 53,836 399 280
    12 54,236 402 282
    13 54,638 405 284
    14 55,044 408 286
    15 55,452 411 288
    16 55,864 415 290
    17 56,278 418 292
    18 56,696 421 294
    19 57,116 424 297
    20 57,540 427 299
    TOTAL $7,967 $5,577

    All calculations are for demonstration purposes only.

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