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Comparison of Deposit Account from CREDIT UNION OF GEORGIA with 3.51% - August 2025


Long-Term Analysis of ENERGY ONE with 0.90% APY and Elizabethton Federal Savings Bank with 3.17% APY and First Community Bank of Tennessee with 0.80% APY and Bankwell Bank with 5.15% APY and CREDIT UNION OF GEORGIA with 3.51% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    ENERGY ONE
    0.90%
    -
    $50,000
    36 Month
    Credit Union
    1.19x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 2
    LOCAL CD
    Elizabethton Federal Savings Bank
    3.17%
    -
    $50,000
    24 Month
    Bank
    4.80x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    3.17%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,585 1,110
    2 51,585 1,635 1,145
    3 53,220 1,687 1,181
    4 54,907 1,741 1,218
    5 56,648 1,796 1,257
    6 58,444 1,853 1,297
    7 60,296 1,911 1,338
    8 62,208 1,972 1,380
    9 64,180 2,034 1,424
    10 66,214 2,099 1,469
    11 68,313 2,166 1,516
    12 70,479 2,234 1,564
    13 72,713 2,305 1,613
    14 75,018 2,378 1,665
    15 77,396 2,453 1,717
    16 79,849 2,531 1,772
    17 82,381 2,611 1,828
    18 84,992 2,694 1,886
    19 87,686 2,780 1,946
    20 90,466 2,868 2,007
    TOTAL $43,334 $30,334
  • 3
    LOCAL CD
    First Community Bank of Tennessee
    0.80%
    -
    $50,000
    24 Month
    Bank
    1.21x (National Avg. - 0.66%)
    $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
  • 4
    LOCAL CD
    Bankwell Bank
    5.15%
    -
    $50,000
    12 Month
    Bank
    9.33x (National Avg. - 0.55%)
    $1,000
     
    SCENARIO
    Year Rate
    5.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,575 1,803
    2 52,575 2,708 1,895
    3 55,283 2,847 1,993
    4 58,130 2,994 2,096
    5 61,123 3,148 2,203
    6 64,271 3,310 2,317
    7 67,581 3,480 2,436
    8 71,062 3,660 2,562
    9 74,721 3,848 2,694
    10 78,569 4,046 2,832
    11 82,616 4,255 2,978
    12 86,870 4,474 3,132
    13 91,344 4,704 3,293
    14 96,049 4,946 3,463
    15 100,995 5,201 3,641
    16 106,196 5,469 3,828
    17 111,665 5,751 4,026
    18 117,416 6,047 4,233
    19 123,463 6,358 4,451
    20 129,821 6,686 4,680
    TOTAL $86,507 $60,555
  • 5
    LOCAL CD
    CREDIT UNION OF GEORGIA
    3.51%
    -
    $50,000
    36 Month
    Credit Union
    4.66x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    3.51%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,755 1,229
    2 51,755 1,817 1,272
    3 53,572 1,880 1,316
    4 55,452 1,946 1,362
    5 57,398 2,015 1,410
    6 59,413 2,085 1,460
    7 61,498 2,159 1,511
    8 63,657 2,234 1,564
    9 65,891 2,313 1,619
    10 68,204 2,394 1,676
    11 70,598 2,478 1,735
    12 73,076 2,565 1,795
    13 75,641 2,655 1,859
    14 78,296 2,748 1,924
    15 81,044 2,845 1,991
    16 83,889 2,945 2,061
    17 86,833 3,048 2,133
    18 89,881 3,155 2,208
    19 93,036 3,266 2,286
    20 96,302 3,380 2,366
    TOTAL $49,682 $34,777

    All calculations are for demonstration purposes only.

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