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Comparison of Deposit Account from DU TRAC COMMUNITY with 0.85% - November 2025


Long-Term Analysis of DU TRAC COMMUNITY with 0.85% APY and Hawthorn Bank with 0.03% APY and JERSEY CENTRAL with 1.71% 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
    DU TRAC COMMUNITY
    0.85%
    -
    $50,000
    24 Month
    Credit Union
    1.29x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456
  • 2
    LOCAL MONEY MARKET
    Hawthorn Bank
    0.03%
    -
    $50,000
    N.A.
    Bank
    0.05x (National Avg. - 0.66%)
    $25,000
     
    SCENARIO
    Year Rate
    0.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 15 11
    2 50,015 15 11
    3 50,030 15 11
    4 50,045 15 11
    5 50,060 15 11
    6 50,075 15 11
    7 50,090 15 11
    8 50,105 15 11
    9 50,120 15 11
    10 50,135 15 11
    11 50,150 15 11
    12 50,165 15 11
    13 50,180 15 11
    14 50,195 15 11
    15 50,210 15 11
    16 50,225 15 11
    17 50,241 15 11
    18 50,256 15 11
    19 50,271 15 11
    20 50,286 15 11
    TOTAL $301 $211
  • 3
    LOCAL CD
    JERSEY CENTRAL
    1.71%
    -
    $50,000
    60 Month
    Credit Union
    1.86x (National Avg. - 0.92%)
    $500
     
    SCENARIO
    Year Rate
    1.71%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 855 599
    2 50,855 870 609
    3 51,725 884 619
    4 52,609 900 630
    5 53,509 915 640
    6 54,424 931 651
    7 55,354 947 663
    8 56,301 963 674
    9 57,264 979 685
    10 58,243 996 697
    11 59,239 1,013 709
    12 60,252 1,030 721
    13 61,282 1,048 734
    14 62,330 1,066 746
    15 63,396 1,084 759
    16 64,480 1,103 772
    17 65,583 1,121 785
    18 66,704 1,141 798
    19 67,845 1,160 812
    20 69,005 1,180 826
    TOTAL $20,185 $14,129

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑1.66% on April 4.

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    3 Month CD.

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    Early Withdrawal Penalty is 6 months interest.

    Last change: ↓0.10% on October 13.

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