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Comparison of Deposit Account from Exchange State Bank with 0.75% - June 2025

Long-Term Analysis of Exchange State Bank with 0.75% APY and CalPrivate Bank with 0.60% APY and Avidbank with 0.27% APY and UNIVERSITY with 3.50% 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

Exchange State Bank

0.75%

$50,000

24 Month

Bank

1.13x (National Avg. - 0.66%)

$1,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

CalPrivate Bank

0.60%

$50,000

36 Month

Bank

0.80x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL CD

Avidbank

0.27%

$50,000

12 Month

Bank

0.49x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.27%	Annual Interest	Annual Interest (After Tax)
1	50,000	135	95
2	50,135	135	95
3	50,270	136	95
4	50,406	136	95
5	50,542	136	96
6	50,679	137	96
7	50,815	137	96
8	50,953	138	96
9	51,090	138	97
10	51,228	138	97
11	51,367	139	97
12	51,505	139	97
13	51,644	139	98
14	51,784	140	98
15	51,924	140	98
16	52,064	141	98
17	52,204	141	99
18	52,345	141	99
19	52,487	142	99
20	52,628	142	99
	TOTAL	$2,770	$1,939

LOCAL CD

UNIVERSITY

3.50%

$50,000

60 Month

Credit Union

3.80x (National Avg. - 0.92%)

$1,000

SCENARIO

Year	Rate 3.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,750	1,225
2	51,750	1,811	1,268
3	53,561	1,875	1,312
4	55,436	1,940	1,358
5	57,376	2,008	1,406
6	59,384	2,078	1,455
7	61,463	2,151	1,506
8	63,614	2,226	1,559
9	65,840	2,304	1,613
10	68,145	2,385	1,670
11	70,530	2,469	1,728
12	72,998	2,555	1,788
13	75,553	2,644	1,851
14	78,198	2,737	1,916
15	80,935	2,833	1,983
16	83,767	2,932	2,052
17	86,699	3,034	2,124
18	89,734	3,141	2,198
19	92,874	3,251	2,275
20	96,125	3,364	2,355
	TOTAL	$49,489	$34,643

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 Exchange State Bank with 0.75% - June 2025

Long-Term Analysis of Exchange State Bank with 0.75% APY and CalPrivate Bank with 0.60% APY and Avidbank with 0.27% APY and UNIVERSITY with 3.50% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Exchange State Bank with 0.75% - June 2025