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Comparison of Deposit Account from Bank of the Valley with 0.50% - May 2025


Long-Term Analysis of ELEVATIONS with 2.10% APY and K V with 1.41% APY and Bank of the Valley with 0.50% APY and Climate First Bank with 3.81% 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
    ELEVATIONS
    2.10%
    -
    $50,000
    12 Month
    Credit Union
    3.81x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    2.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,050 735
    2 51,050 1,072 750
    3 52,122 1,095 766
    4 53,217 1,118 782
    5 54,334 1,141 799
    6 55,475 1,165 815
    7 56,640 1,189 833
    8 57,830 1,214 850
    9 59,044 1,240 868
    10 60,284 1,266 886
    11 61,550 1,293 905
    12 62,842 1,320 924
    13 64,162 1,347 943
    14 65,510 1,376 963
    15 66,885 1,405 983
    16 68,290 1,434 1,004
    17 69,724 1,464 1,025
    18 71,188 1,495 1,046
    19 72,683 1,526 1,068
    20 74,209 1,558 1,091
    TOTAL $25,768 $18,037
  • 2
    LOCAL CD
    K V
    1.41%
    -
    $50,000
    48 Month
    Credit Union
    1.73x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.41%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 705 494
    2 50,705 715 500
    3 51,420 725 508
    4 52,145 735 515
    5 52,880 746 522
    6 53,626 756 529
    7 54,382 767 537
    8 55,149 778 544
    9 55,926 789 552
    10 56,715 800 560
    11 57,515 811 568
    12 58,326 822 576
    13 59,148 834 584
    14 59,982 846 592
    15 60,828 858 600
    16 61,685 870 609
    17 62,555 882 617
    18 63,437 894 626
    19 64,332 907 635
    20 65,239 920 644
    TOTAL $16,159 $11,311
  • 3
    LOCAL CD
    Bank of the Valley
    0.50%
    -
    $50,000
    12 Month
    Bank
    0.91x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 4
    ONLINE SAVINGS
    Climate First Bank
    3.81%
    -
    $50,000
    N.A.
    Bank
    17.09x (National Avg. - 0.22%)
    $50
     
    SCENARIO
    Year Rate
    3.81%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,905 1,334
    2 51,905 1,978 1,384
    3 53,883 2,053 1,437
    4 55,936 2,131 1,492
    5 58,067 2,212 1,549
    6 60,279 2,297 1,608
    7 62,576 2,384 1,669
    8 64,960 2,475 1,732
    9 67,435 2,569 1,798
    10 70,004 2,667 1,867
    11 72,671 2,769 1,938
    12 75,440 2,874 2,012
    13 78,314 2,984 2,089
    14 81,298 3,097 2,168
    15 84,395 3,215 2,251
    16 87,611 3,338 2,337
    17 90,949 3,465 2,426
    18 94,414 3,597 2,518
    19 98,011 3,734 2,614
    20 101,745 3,876 2,714
    TOTAL $55,622 $38,935

    All calculations are for demonstration purposes only.

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