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Comparison of Deposit Account from BAYER HERITAGE with 4.24% - November 2025


Long-Term Analysis of 1ST UNITED SERVICES with 0.40% APY and MIDFLORIDA with 0.01% APY and BAYER HERITAGE with 4.24% 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
    1ST UNITED SERVICES
    0.40%
    -
    $50,000
    12 Month
    Credit Union
    0.73x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 2
    LOCAL MONEY MARKET
    MIDFLORIDA
    0.01%
    -
    $50,000
    N.A.
    Credit Union
    0.02x (National Avg. - 0.55%)
    $0
     
    SCENARIO
    Year Rate
    0.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 5 4
    2 50,005 5 4
    3 50,010 5 4
    4 50,015 5 4
    5 50,020 5 4
    6 50,025 5 4
    7 50,030 5 4
    8 50,035 5 4
    9 50,040 5 4
    10 50,045 5 4
    11 50,050 5 4
    12 50,055 5 4
    13 50,060 5 4
    14 50,065 5 4
    15 50,070 5 4
    16 50,075 5 4
    17 50,080 5 4
    18 50,085 5 4
    19 50,090 5 4
    20 50,095 5 4
    TOTAL $100 $70
  • 3
    LOCAL CD
    BAYER HERITAGE
    4.24%
    -
    $50,000
    12 Month
    Credit Union
    7.72x (National Avg. - 0.55%)
    $500,000
     
    SCENARIO
    Year Rate
    4.24%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,119 1,483
    2 52,119 2,208 1,546
    3 54,327 2,302 1,611
    4 56,629 2,399 1,680
    5 59,028 2,501 1,751
    6 61,529 2,607 1,825
    7 64,136 2,717 1,902
    8 66,853 2,833 1,983
    9 69,686 2,953 2,067
    10 72,639 3,078 2,154
    11 75,716 3,208 2,246
    12 78,924 3,344 2,341
    13 82,268 3,486 2,440
    14 85,754 3,633 2,543
    15 89,387 3,787 2,651
    16 93,175 3,948 2,763
    17 97,123 4,115 2,881
    18 101,238 4,289 3,003
    19 105,527 4,471 3,130
    20 109,998 4,661 3,262
    TOTAL $64,659 $45,261

    All calculations are for demonstration purposes only.

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