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Comparison of Deposit Account from COMMUNITYWIDE with 3.85% - November 2026


Long-Term Analysis of COMMUNITYWIDE with 3.85% APY and CITADEL with 3.95% APY and MERCK SHARP & DOHME with 4.60% APY and LONE STAR with 4.40% 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
    COMMUNITYWIDE
    3.85%
    -
    $50,000
    36 Month
    Credit Union
    5.07x (National Avg. - 0.76%)
    $1,000
     
    SCENARIO
    Year Rate
    3.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,925 1,348
    2 51,925 1,999 1,399
    3 53,924 2,076 1,453
    4 56,000 2,156 1,509
    5 58,156 2,239 1,567
    6 60,395 2,325 1,628
    7 62,720 2,415 1,690
    8 65,135 2,508 1,755
    9 67,643 2,604 1,823
    10 70,247 2,705 1,893
    11 72,952 2,809 1,966
    12 75,760 2,917 2,042
    13 78,677 3,029 2,120
    14 81,706 3,146 2,202
    15 84,852 3,267 2,287
    16 88,119 3,393 2,375
    17 91,511 3,523 2,466
    18 95,034 3,659 2,561
    19 98,693 3,800 2,660
    20 102,493 3,946 2,762
    TOTAL $56,439 $39,507
  • 2
    LOCAL CD
    CITADEL
    3.95%
    -
    $50,000
    18 Month
    Credit Union
    6.80x (National Avg. - 0.58%)
    $75,000
     
    SCENARIO
    Year Rate
    3.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,975 1,383
    2 51,975 2,053 1,437
    3 54,028 2,134 1,494
    4 56,162 2,218 1,553
    5 58,381 2,306 1,614
    6 60,687 2,397 1,678
    7 63,084 2,492 1,744
    8 65,575 2,590 1,813
    9 68,166 2,693 1,885
    10 70,858 2,799 1,959
    11 73,657 2,909 2,037
    12 76,567 3,024 2,117
    13 79,591 3,144 2,201
    14 82,735 3,268 2,288
    15 86,003 3,397 2,378
    16 89,400 3,531 2,472
    17 92,931 3,671 2,570
    18 96,602 3,816 2,671
    19 100,418 3,967 2,777
    20 104,384 4,123 2,886
    TOTAL $58,508 $40,955
  • 3
    LOCAL CD
    MERCK SHARP & DOHME
    4.60%
    -
    $50,000
    18 Month
    Credit Union
    7.92x (National Avg. - 0.58%)
    $1,000
     
    SCENARIO
    Year Rate
    4.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,300 1,610
    2 52,300 2,406 1,684
    3 54,706 2,516 1,762
    4 57,222 2,632 1,843
    5 59,854 2,753 1,927
    6 62,608 2,880 2,016
    7 65,488 3,012 2,109
    8 68,500 3,151 2,206
    9 71,651 3,296 2,307
    10 74,947 3,448 2,413
    11 78,395 3,606 2,524
    12 82,001 3,772 2,640
    13 85,773 3,946 2,762
    14 89,718 4,127 2,889
    15 93,846 4,317 3,022
    16 98,162 4,515 3,161
    17 102,678 4,723 3,306
    18 107,401 4,940 3,458
    19 112,342 5,168 3,617
    20 117,509 5,405 3,784
    TOTAL $72,915 $51,040
  • 4
    LOCAL CD
    LONE STAR
    4.40%
    -
    $50,000
    36 Month
    Credit Union
    5.79x (National Avg. - 0.76%)
    $500
     
    SCENARIO
    Year Rate
    4.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,200 1,540
    2 52,200 2,297 1,608
    3 54,497 2,398 1,679
    4 56,895 2,503 1,752
    5 59,398 2,614 1,829
    6 62,012 2,729 1,910
    7 64,740 2,849 1,994
    8 67,589 2,974 2,082
    9 70,563 3,105 2,173
    10 73,667 3,241 2,269
    11 76,909 3,384 2,369
    12 80,293 3,533 2,473
    13 83,825 3,688 2,582
    14 87,514 3,851 2,695
    15 91,364 4,020 2,814
    16 95,384 4,197 2,938
    17 99,581 4,382 3,067
    18 103,963 4,574 3,202
    19 108,537 4,776 3,343
    20 113,313 4,986 3,490
    TOTAL $68,299 $47,809

    All calculations are for demonstration purposes only.

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