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Comparison of Deposit Account from ESL with 0.20% - June 2025

Long-Term Analysis of FIREFLY with 1.25% APY and JERSEY CENTRAL with 5.00% APY and ESL with 0.20% APY and LOGIX with 4.00% 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

FIREFLY

1.25%

$50,000

60 Month

Credit Union

1.36x (National Avg. - 0.92%)

$90,000

SCENARIO

Year	Rate 1.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	625	438
2	50,625	633	443
3	51,258	641	449
4	51,899	649	454
5	52,547	657	460
6	53,204	665	466
7	53,869	673	471
8	54,543	682	477
9	55,224	690	483
10	55,915	699	489
11	56,614	708	495
12	57,321	717	502
13	58,038	725	508
14	58,763	735	514
15	59,498	744	521
16	60,241	753	527
17	60,994	762	534
18	61,757	772	540
19	62,529	782	547
20	63,310	791	554
	TOTAL	$14,102	$9,871

LOCAL CD

JERSEY CENTRAL

5.00%

$50,000

6 Month

Credit Union

12.22x (National Avg. - 0.41%)

$500

SCENARIO

Year	Rate 5.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,500	1,750
2	52,500	2,625	1,838
3	55,125	2,756	1,929
4	57,881	2,894	2,026
5	60,775	3,039	2,127
6	63,814	3,191	2,233
7	67,005	3,350	2,345
8	70,355	3,518	2,462
9	73,873	3,694	2,586
10	77,566	3,878	2,715
11	81,445	4,072	2,851
12	85,517	4,276	2,993
13	89,793	4,490	3,143
14	94,282	4,714	3,300
15	98,997	4,950	3,465
16	103,946	5,197	3,638
17	109,144	5,457	3,820
18	114,601	5,730	4,011
19	120,331	6,017	4,212
20	126,348	6,317	4,422
	TOTAL	$82,665	$57,865

LOCAL CD

ESL

0.20%

$50,000

48 Month

Credit Union

0.24x (National Avg. - 0.82%)

$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

LOCAL CD

LOGIX

4.00%

$50,000

13 Month

Credit Union

N.A.

$1,000

SCENARIO

Year	Rate 4.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,000	1,400
2	52,000	2,080	1,456
3	54,080	2,163	1,514
4	56,243	2,250	1,575
5	58,493	2,340	1,638
6	60,833	2,433	1,703
7	63,266	2,531	1,771
8	65,797	2,632	1,842
9	68,428	2,737	1,916
10	71,166	2,847	1,993
11	74,012	2,960	2,072
12	76,973	3,079	2,155
13	80,052	3,202	2,241
14	83,254	3,330	2,331
15	86,584	3,463	2,424
16	90,047	3,602	2,521
17	93,649	3,746	2,622
18	97,395	3,896	2,727
19	101,291	4,052	2,836
20	105,342	4,214	2,950
	TOTAL	$59,556	$41,689

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 ESL with 0.20% - June 2025

Long-Term Analysis of FIREFLY with 1.25% APY and JERSEY CENTRAL with 5.00% APY and ESL with 0.20% APY and LOGIX with 4.00% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from ESL with 0.20% - June 2025