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


Long-Term Analysis of Federation Bank with 0.60% APY and ORION with 1.07% APY and Community 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
    Federation Bank
    0.60%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $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
  • 2
    LOCAL CD
    ORION
    1.07%
    -
    $50,000
    60 Month
    Credit Union
    1.16x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.07%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 535 375
    2 50,535 541 379
    3 51,076 547 383
    4 51,622 552 387
    5 52,175 558 391
    6 52,733 564 395
    7 53,297 570 399
    8 53,867 576 403
    9 54,444 583 408
    10 55,026 589 412
    11 55,615 595 417
    12 56,210 601 421
    13 56,812 608 426
    14 57,420 614 430
    15 58,034 621 435
    16 58,655 628 439
    17 59,282 634 444
    18 59,917 641 449
    19 60,558 648 454
    20 61,206 655 458
    TOTAL $11,861 $8,303
  • 3
    LOCAL CD
    Community State Bank
    0.50%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $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.

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