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Comparison of Deposit Account from Commerce State Bank with 0.50% - May 2025


Long-Term Analysis of ALIVE with 0.97% APY and Pathway Bank with 0.80% APY and Commerce State Bank with 0.50% 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
    ALIVE
    0.97%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    0.97%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 485 340
    2 50,485 490 343
    3 50,975 494 346
    4 51,469 499 349
    5 51,968 504 353
    6 52,473 509 356
    7 52,981 514 360
    8 53,495 519 363
    9 54,014 524 367
    10 54,538 529 370
    11 55,067 534 374
    12 55,601 539 378
    13 56,141 545 381
    14 56,685 550 385
    15 57,235 555 389
    16 57,790 561 392
    17 58,351 566 396
    18 58,917 571 400
    19 59,488 577 404
    20 60,065 583 408
    TOTAL $10,648 $7,454
  • 2
    LOCAL CD
    Pathway Bank
    0.80%
    -
    $50,000
    48 Month
    Bank
    0.98x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 3
    LOCAL CD
    Commerce State Bank
    0.50%
    -
    $50,000
    36 Month
    Bank
    0.66x (National Avg. - 0.75%)
    $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

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

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