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Comparison of Deposit Account from BAYER HERITAGE with 3.98% - December 2025


Long-Term Analysis of EAST COUNTY SCHOOLS with 0.95% APY and EAST COUNTY SCHOOLS with 0.95% APY and BAYER HERITAGE with 3.98% 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
    EAST COUNTY SCHOOLS
    0.95%
    -
    $50,000
    24 Month
    Credit Union
    1.44x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 475 333
    2 50,475 480 336
    3 50,955 484 339
    4 51,439 489 342
    5 51,927 493 345
    6 52,421 498 349
    7 52,919 503 352
    8 53,421 508 355
    9 53,929 512 359
    10 54,441 517 362
    11 54,958 522 365
    12 55,480 527 369
    13 56,007 532 372
    14 56,540 537 376
    15 57,077 542 380
    16 57,619 547 383
    17 58,166 553 387
    18 58,719 558 390
    19 59,277 563 394
    20 59,840 568 398
    TOTAL $10,408 $7,286
  • 2
    LOCAL CD
    EAST COUNTY SCHOOLS
    0.95%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 475 333
    2 50,475 480 336
    3 50,955 484 339
    4 51,439 489 342
    5 51,927 493 345
    6 52,421 498 349
    7 52,919 503 352
    8 53,421 508 355
    9 53,929 512 359
    10 54,441 517 362
    11 54,958 522 365
    12 55,480 527 369
    13 56,007 532 372
    14 56,540 537 376
    15 57,077 542 380
    16 57,619 547 383
    17 58,166 553 387
    18 58,719 558 390
    19 59,277 563 394
    20 59,840 568 398
    TOTAL $10,408 $7,286
  • 3
    LOCAL CD
    BAYER HERITAGE
    3.98%
    -
    $50,000
    24 Month
    Credit Union
    6.03x (National Avg. - 0.66%)
    $100
     
    SCENARIO
    Year Rate
    3.98%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,989 1,392
    2 51,989 2,068 1,447
    3 54,056 2,150 1,505
    4 56,206 2,235 1,565
    5 58,441 2,324 1,627
    6 60,765 2,417 1,692
    7 63,182 2,513 1,759
    8 65,695 2,613 1,829
    9 68,307 2,717 1,902
    10 71,024 2,825 1,977
    11 73,849 2,937 2,056
    12 76,786 3,054 2,138
    13 79,839 3,175 2,223
    14 83,015 3,301 2,311
    15 86,316 3,433 2,403
    16 89,749 3,569 2,499
    17 93,318 3,711 2,598
    18 97,030 3,859 2,701
    19 100,888 4,012 2,809
    20 104,901 4,172 2,920
    TOTAL $59,073 $41,351

    All calculations are for demonstration purposes only.

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