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Comparison of Deposit Account from FAMILY ADVANTAGE with 0.29% - December 2025


Long-Term Analysis of SpiritBank with 0.75% APY and FAMILY ADVANTAGE with 0.29% 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
    SpiritBank
    0.75%
    -
    $50,000
    48 Month
    Bank
    0.92x (National Avg. - 0.82%)
    $100,000
     
    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
  • 2
    LOCAL CD
    FAMILY ADVANTAGE
    0.29%
    -
    $50,000
    18 Month
    Credit Union
    0.50x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.29%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 146 102
    2 50,146 146 102
    3 50,291 146 102
    4 50,438 147 103
    5 50,585 147 103
    6 50,732 148 103
    7 50,879 148 104
    8 51,027 148 104
    9 51,176 149 104
    10 51,325 149 105
    11 51,474 150 105
    12 51,624 150 105
    13 51,774 151 105
    14 51,925 151 106
    15 52,076 152 106
    16 52,228 152 106
    17 52,380 152 107
    18 52,532 153 107
    19 52,685 153 107
    20 52,838 154 108
    TOTAL $2,992 $2,094

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↓0.15% on November 26.

    Last change: ↓0.10% on September 17.

    Last change: ↓0.05% on December 8.

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    Last Update on December 14, 2025

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