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Comparison of Deposit Account from Centera Bank with 2.26% - May 2025


Long-Term Analysis of Centera Bank with 2.26% APY and EMPIRE ONE with 0.15% 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
    Centera Bank
    2.26%
    -
    $50,000
    12 Month
    Bank
    4.10x (National Avg. - 0.55%)
    $500
     
    SCENARIO
    Year Rate
    2.26%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,130 791
    2 51,130 1,156 809
    3 52,286 1,182 827
    4 53,467 1,208 846
    5 54,676 1,236 865
    6 55,911 1,264 885
    7 57,175 1,292 905
    8 58,467 1,321 925
    9 59,788 1,351 946
    10 61,140 1,382 967
    11 62,521 1,413 989
    12 63,934 1,445 1,011
    13 65,379 1,478 1,034
    14 66,857 1,511 1,058
    15 68,368 1,545 1,082
    16 69,913 1,580 1,106
    17 71,493 1,616 1,131
    18 73,109 1,652 1,157
    19 74,761 1,690 1,183
    20 76,450 1,728 1,209
    TOTAL $28,178 $19,725
  • 2
    LOCAL SAVINGS
    EMPIRE ONE
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    0.67x (National Avg. - 0.22%)
    $2,500
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065

    All calculations are for demonstration purposes only.

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