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Comparison of Deposit Account from Emprise Bank with 3.00% - May 2025


Long-Term Analysis of EvaBank with 3.30% APY and ROBINS FINANCIAL with 2.35% APY and GENFED FINANCIAL with 0.20% APY and Emprise Bank with 3.00% APY and DAWSON CO-OP with 0.50% APY and ALLEGIANCE with 0.96% 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
    EvaBank
    3.30%
    -
    $50,000
    36 Month
    Bank
    4.38x (National Avg. - 0.75%)
    $1,000
     
    SCENARIO
    Year Rate
    3.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,650 1,155
    2 51,650 1,704 1,193
    3 53,354 1,761 1,232
    4 55,115 1,819 1,273
    5 56,934 1,879 1,315
    6 58,813 1,941 1,359
    7 60,754 2,005 1,403
    8 62,758 2,071 1,450
    9 64,829 2,139 1,498
    10 66,969 2,210 1,547
    11 69,179 2,283 1,598
    12 71,462 2,358 1,651
    13 73,820 2,436 1,705
    14 76,256 2,516 1,762
    15 78,772 2,599 1,820
    16 81,372 2,685 1,880
    17 84,057 2,774 1,942
    18 86,831 2,865 2,006
    19 89,697 2,960 2,072
    20 92,657 3,058 2,140
    TOTAL $45,714 $32,000
  • 2
    LOCAL CD
    ROBINS FINANCIAL
    2.35%
    -
    $50,000
    18 Month
    Credit Union
    4.05x (National Avg. - 0.58%)
    $500
     
    SCENARIO
    Year Rate
    2.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,175 823
    2 51,175 1,203 842
    3 52,378 1,231 862
    4 53,608 1,260 882
    5 54,868 1,289 903
    6 56,158 1,320 924
    7 57,477 1,351 946
    8 58,828 1,382 968
    9 60,211 1,415 990
    10 61,626 1,448 1,014
    11 63,074 1,482 1,038
    12 64,556 1,517 1,062
    13 66,073 1,553 1,087
    14 67,626 1,589 1,112
    15 69,215 1,627 1,139
    16 70,841 1,665 1,165
    17 72,506 1,704 1,193
    18 74,210 1,744 1,221
    19 75,954 1,785 1,249
    20 77,739 1,827 1,279
    TOTAL $29,566 $20,696
  • 3
    LOCAL CD
    GENFED FINANCIAL
    0.20%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 4
    LOCAL SAVINGS
    Emprise Bank
    3.00%
    -
    $50,000
    N.A.
    Bank
    13.45x (National Avg. - 0.22%)
    $0
     
    SCENARIO
    Year Rate
    3.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,500 1,050
    2 51,500 1,545 1,082
    3 53,045 1,591 1,114
    4 54,636 1,639 1,147
    5 56,275 1,688 1,182
    6 57,964 1,739 1,217
    7 59,703 1,791 1,254
    8 61,494 1,845 1,291
    9 63,339 1,900 1,330
    10 65,239 1,957 1,370
    11 67,196 2,016 1,411
    12 69,212 2,076 1,453
    13 71,288 2,139 1,497
    14 73,427 2,203 1,542
    15 75,629 2,269 1,588
    16 77,898 2,337 1,636
    17 80,235 2,407 1,685
    18 82,642 2,479 1,735
    19 85,122 2,554 1,788
    20 87,675 2,630 1,841
    TOTAL $40,306 $28,214
  • 5
    LOCAL CD
    DAWSON CO-OP
    0.50%
    -
    $50,000
    6 Month
    Credit Union
    1.23x (National Avg. - 0.41%)
    $10,000
     
    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
  • 6
    LOCAL CD
    ALLEGIANCE
    0.96%
    -
    $50,000
    12 Month
    Credit Union
    1.74x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.96%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 480 336
    2 50,480 485 339
    3 50,965 489 342
    4 51,454 494 346
    5 51,948 499 349
    6 52,447 503 352
    7 52,950 508 356
    8 53,458 513 359
    9 53,972 518 363
    10 54,490 523 366
    11 55,013 528 370
    12 55,541 533 373
    13 56,074 538 377
    14 56,612 543 380
    15 57,156 549 384
    16 57,705 554 388
    17 58,259 559 391
    18 58,818 565 395
    19 59,382 570 399
    20 59,953 576 403
    TOTAL $10,528 $7,370

    All calculations are for demonstration purposes only.

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