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Comparison of Deposit Account from BUILDING TRADES with 0.59% - September 2026

Long-Term Analysis of HOLYOKE with 0.51% APY and HOLYOKE with 0.01% APY and FINANCIAL ONE with 0.36% APY and FINANCIAL ONE with 0.61% APY and FINANCIAL ONE with 0.28% APY and MID MINNESOTA with 0.50% APY and MID MINNESOTA with 0.55% APY and MID MINNESOTA with 0.60% APY and MID MINNESOTA with 0.75% APY and MID MINNESOTA with 1.05% APY and MID MINNESOTA with 0.25% APY and BUILDING TRADES with 0.59% APY and BUILDING TRADES with 0.74% APY and St. Anne's with 3.05% APY and St. Anne's 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

HOLYOKE

0.51%

$50,000

36 Month

Credit Union

0.67x (National Avg. - 0.76%)

$10,000

SCENARIO

Year	Rate 0.51%	Annual Interest	Annual Interest (After Tax)
1	50,000	255	179
2	50,255	256	179
3	50,511	258	180
4	50,769	259	181
5	51,028	260	182
6	51,288	262	183
7	51,550	263	184
8	51,813	264	185
9	52,077	266	186
10	52,342	267	187
11	52,609	268	188
12	52,878	270	189
13	53,147	271	190
14	53,418	272	191
15	53,691	274	192
16	53,965	275	193
17	54,240	277	194
18	54,516	278	195
19	54,794	279	196
20	55,074	281	197
	TOTAL	$5,355	$3,748

LOCAL SAVINGS

HOLYOKE

0.01%

$50,000

N.A.

Credit Union

0.04x (National Avg. - 0.23%)

$2,500

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

LOCAL CD

FINANCIAL ONE

0.36%

$50,000

12 Month

Credit Union

0.66x (National Avg. - 0.55%)

$100,000

SCENARIO

Year	Rate 0.36%	Annual Interest	Annual Interest (After Tax)
1	50,000	180	126
2	50,180	181	126
3	50,361	181	127
4	50,542	182	127
5	50,724	183	128
6	50,907	183	128
7	51,090	184	129
8	51,274	185	129
9	51,458	185	130
10	51,644	186	130
11	51,829	187	131
12	52,016	187	131
13	52,203	188	132
14	52,391	189	132
15	52,580	189	133
16	52,769	190	133
17	52,959	191	133
18	53,150	191	134
19	53,341	192	134
20	53,533	193	135
	TOTAL	$3,726	$2,608

LOCAL CD

FINANCIAL ONE

0.61%

$50,000

36 Month

Credit Union

0.80x (National Avg. - 0.76%)

$100,000

SCENARIO

Year	Rate 0.61%	Annual Interest	Annual Interest (After Tax)
1	50,000	305	214
2	50,305	307	215
3	50,612	309	216
4	50,921	311	217
5	51,231	313	219
6	51,544	314	220
7	51,858	316	221
8	52,174	318	223
9	52,493	320	224
10	52,813	322	226
11	53,135	324	227
12	53,459	326	228
13	53,785	328	230
14	54,113	330	231
15	54,444	332	232
16	54,776	334	234
17	55,110	336	235
18	55,446	338	237
19	55,784	340	238
20	56,124	342	240
	TOTAL	$6,467	$4,527

LOCAL CD

FINANCIAL ONE

0.28%

$50,000

6 Month

Credit Union

0.69x (National Avg. - 0.40%)

$100,000

SCENARIO

Year	Rate 0.28%	Annual Interest	Annual Interest (After Tax)
1	50,000	140	98
2	50,140	140	98
3	50,280	141	99
4	50,421	141	99
5	50,562	142	99
6	50,704	142	99
7	50,846	142	100
8	50,988	143	100
9	51,131	143	100
10	51,274	144	100
11	51,418	144	101
12	51,562	144	101
13	51,706	145	101
14	51,851	145	102
15	51,996	146	102
16	52,142	146	102
17	52,288	146	102
18	52,434	147	103
19	52,581	147	103
20	52,728	148	103
	TOTAL	$2,876	$2,013

LOCAL CD

MID MINNESOTA

0.50%

$50,000

12 Month

Credit Union

0.91x (National Avg. - 0.55%)

$100,000

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

LOCAL CD

MID MINNESOTA

0.55%

$50,000

18 Month

Credit Union

0.95x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	275	193
2	50,275	277	194
3	50,552	278	195
4	50,830	280	196
5	51,109	281	197
6	51,390	283	198
7	51,673	284	199
8	51,957	286	200
9	52,243	287	201
10	52,530	289	202
11	52,819	291	203
12	53,110	292	204
13	53,402	294	206
14	53,695	295	207
15	53,991	297	208
16	54,288	299	209
17	54,586	300	210
18	54,886	302	211
19	55,188	304	212
20	55,492	305	214
	TOTAL	$5,797	$4,058

LOCAL CD

MID MINNESOTA

0.60%

$50,000

24 Month

Credit Union

0.90x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL CD

MID MINNESOTA

0.75%

$50,000

36 Month

Credit Union

0.99x (National Avg. - 0.76%)

$100,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

MID MINNESOTA

1.05%

$50,000

48 Month

Credit Union

1.28x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 1.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	525	368
2	50,525	531	371
3	51,056	536	375
4	51,592	542	379
5	52,133	547	383
6	52,681	553	387
7	53,234	559	391
8	53,793	565	395
9	54,358	571	400
10	54,928	577	404
11	55,505	583	408
12	56,088	589	412
13	56,677	595	417
14	57,272	601	421
15	57,873	608	425
16	58,481	614	430
17	59,095	620	434
18	59,716	627	439
19	60,343	634	444
20	60,976	640	448
	TOTAL	$11,616	$8,131

LOCAL CD

MID MINNESOTA

0.25%

$50,000

6 Month

Credit Union

0.62x (National Avg. - 0.40%)

$100,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

BUILDING TRADES

0.59%

$50,000

12 Month

Credit Union

1.07x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.59%	Annual Interest	Annual Interest (After Tax)
1	50,000	295	207
2	50,295	297	208
3	50,592	298	209
4	50,890	300	210
5	51,190	302	211
6	51,493	304	213
7	51,796	306	214
8	52,102	307	215
9	52,409	309	216
10	52,719	311	218
11	53,030	313	219
12	53,342	315	220
13	53,657	317	222
14	53,974	318	223
15	54,292	320	224
16	54,613	322	226
17	54,935	324	227
18	55,259	326	228
19	55,585	328	230
20	55,913	330	231
	TOTAL	$6,243	$4,370

LOCAL CD

BUILDING TRADES

0.74%

$50,000

24 Month

Credit Union

1.12x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.74%	Annual Interest	Annual Interest (After Tax)
1	50,000	370	259
2	50,370	373	261
3	50,743	375	263
4	51,118	378	265
5	51,497	381	267
6	51,878	384	269
7	52,261	387	271
8	52,648	390	273
9	53,038	392	275
10	53,430	395	277
11	53,826	398	279
12	54,224	401	281
13	54,625	404	283
14	55,029	407	285
15	55,437	410	287
16	55,847	413	289
17	56,260	416	291
18	56,677	419	294
19	57,096	423	296
20	57,518	426	298
	TOTAL	$7,944	$5,561

LOCAL CD

St. Anne's

3.05%

$50,000

9 Month

Credit Union

N.A.

$1,000

SCENARIO

Year	Rate 3.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,525	1,068
2	51,525	1,572	1,100
3	53,097	1,619	1,134
4	54,716	1,669	1,168
5	56,385	1,720	1,204
6	58,105	1,772	1,241
7	59,877	1,826	1,278
8	61,703	1,882	1,317
9	63,585	1,939	1,358
10	65,524	1,998	1,399
11	67,523	2,059	1,442
12	69,582	2,122	1,486
13	71,704	2,187	1,531
14	73,891	2,254	1,578
15	76,145	2,322	1,626
16	78,468	2,393	1,675
17	80,861	2,466	1,726
18	83,327	2,541	1,779
19	85,869	2,619	1,833
20	88,488	2,699	1,889
	TOTAL	$41,186	$28,830

LOCAL MONEY MARKET

St. Anne's

0.30%

$50,000

N.A.

Credit Union

N.A.

$75,000

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.

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Compare Savings vs. CDs Comparison of Deposit Account from BUILDING TRADES with 0.59% - September 2026

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Comparison of Deposit Account from BUILDING TRADES with 0.59% - September 2026