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Comparison of Deposit Account from ENERGY PEOPLE with 1.10% - June 2025

Long-Term Analysis of GROW FINANCIAL with 4.18% APY and ENERGY PEOPLE with 1.10% APY and FINANCIAL TRUST with 0.50% APY and BAYER HERITAGE with 4.03% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

GROW FINANCIAL

4.18%

$50,000

60 Month

Credit Union

4.54x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 4.18%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,090	1,463
2	52,090	2,177	1,524
3	54,267	2,268	1,588
4	56,536	2,363	1,654
5	58,899	2,462	1,723
6	61,361	2,565	1,795
7	63,926	2,672	1,870
8	66,598	2,784	1,949
9	69,382	2,900	2,030
10	72,282	3,021	2,115
11	75,303	3,148	2,203
12	78,451	3,279	2,295
13	81,730	3,416	2,391
14	85,146	3,559	2,491
15	88,706	3,708	2,596
16	92,413	3,863	2,704
17	96,276	4,024	2,817
18	100,301	4,193	2,935
19	104,493	4,368	3,057
20	108,861	4,550	3,185
	TOTAL	$63,411	$44,388

LOCAL CD

ENERGY PEOPLE

1.10%

$50,000

48 Month

Credit Union

1.35x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 1.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	550	385
2	50,550	556	389
3	51,106	562	394
4	51,668	568	398
5	52,237	575	402
6	52,811	581	407
7	53,392	587	411
8	53,979	594	416
9	54,573	600	420
10	55,173	607	425
11	55,780	614	430
12	56,394	620	434
13	57,014	627	439
14	57,641	634	444
15	58,276	641	449
16	58,917	648	454
17	59,565	655	459
18	60,220	662	464
19	60,882	670	469
20	61,552	677	474
	TOTAL	$12,229	$8,560

LOCAL CD

FINANCIAL TRUST

0.50%

$50,000

18 Month

Credit Union

0.86x (National Avg. - 0.58%)

$1,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	251	175
2	50,251	252	176
3	50,502	253	177
4	50,755	254	178
5	51,010	256	179
6	51,265	257	180
7	51,522	258	181
8	51,780	259	182
9	52,039	261	183
10	52,300	262	183
11	52,562	263	184
12	52,826	265	185
13	53,090	266	186
14	53,356	267	187
15	53,624	269	188
16	53,892	270	189
17	54,162	271	190
18	54,434	273	191
19	54,706	274	192
20	54,980	275	193
	TOTAL	$5,256	$3,679

LOCAL CD

BAYER HERITAGE

4.03%

$50,000

24 Month

Credit Union

6.10x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 4.03%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,015	1,410
2	52,015	2,096	1,467
3	54,110	2,180	1,526
4	56,290	2,268	1,588
5	58,558	2,359	1,652
6	60,918	2,454	1,718
7	63,372	2,553	1,787
8	65,925	2,656	1,859
9	68,581	2,763	1,934
10	71,344	2,874	2,012
11	74,219	2,990	2,093
12	77,209	3,111	2,178
13	80,320	3,236	2,265
14	83,556	3,366	2,357
15	86,922	3,502	2,451
16	90,425	3,643	2,550
17	94,068	3,790	2,653
18	97,858	3,943	2,760
19	101,800	4,102	2,871
20	105,902	4,267	2,987
	TOTAL	$60,169	$42,118

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
First Internet Bank of Indiana	4.49%	$1,000	Learn More
Last change: ↑0.34% on May 27. Warning: Early Withdrawal Penalty is 180 days interest.
Finworth, a division of InsBank	4.46%	$50,000	Learn More
Last change: ↑0.26% on April 9. Early Withdrawal Penalty is 6 months interest.

Compare Savings vs. CDs Comparison of Deposit Account from ENERGY PEOPLE with 1.10% - June 2025

Long-Term Analysis of GROW FINANCIAL with 4.18% APY and ENERGY PEOPLE with 1.10% APY and FINANCIAL TRUST with 0.50% APY and BAYER HERITAGE with 4.03% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from ENERGY PEOPLE with 1.10% - June 2025