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Comparison of Deposit Account from Farmers & Merchants Bank with 0.90% - December 2025


Long-Term Analysis of INTERIOR FEDERAL CREDIT UNION with 3.56% APY and Farmers & Merchants Bank with 0.90% APY and GRAND PRAIRIE with 0.70% APY and INTERIOR FEDERAL CREDIT UNION with 3.76% 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
    INTERIOR FEDERAL CREDIT UNION
    3.56%
    -
    $50,000
    24 Month
    Credit Union
    5.40x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    3.56%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,780 1,246
    2 51,780 1,843 1,290
    3 53,623 1,909 1,336
    4 55,532 1,977 1,384
    5 57,509 2,047 1,433
    6 59,557 2,120 1,484
    7 61,677 2,196 1,537
    8 63,873 2,274 1,592
    9 66,146 2,355 1,648
    10 68,501 2,439 1,707
    11 70,940 2,525 1,768
    12 73,465 2,615 1,831
    13 76,081 2,708 1,896
    14 78,789 2,805 1,963
    15 81,594 2,905 2,033
    16 84,499 3,008 2,106
    17 87,507 3,115 2,181
    18 90,622 3,226 2,258
    19 93,848 3,341 2,339
    20 97,189 3,460 2,422
    TOTAL $50,649 $35,455
  • 2
    LOCAL CD
    Farmers & Merchants Bank
    0.90%
    -
    $50,000
    24 Month
    Bank
    1.37x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 3
    LOCAL CD
    GRAND PRAIRIE
    0.70%
    -
    $50,000
    36 Month
    Credit Union
    0.93x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 351 246
    2 50,351 353 247
    3 50,704 356 249
    4 51,060 358 251
    5 51,419 361 253
    6 51,780 363 254
    7 52,143 366 256
    8 52,509 369 258
    9 52,878 371 260
    10 53,249 374 262
    11 53,623 376 264
    12 53,999 379 265
    13 54,378 382 267
    14 54,760 384 269
    15 55,145 387 271
    16 55,532 390 273
    17 55,922 393 275
    18 56,314 395 277
    19 56,709 398 279
    20 57,108 401 281
    TOTAL $7,508 $5,256
  • 4
    LOCAL CD
    INTERIOR FEDERAL CREDIT UNION
    3.76%
    -
    $50,000
    20 Month
    Credit Union
    N.A.
    $500
     
    SCENARIO
    Year Rate
    3.76%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,880 1,316
    2 51,880 1,951 1,365
    3 53,831 2,024 1,417
    4 55,855 2,100 1,470
    5 57,955 2,179 1,525
    6 60,134 2,261 1,583
    7 62,395 2,346 1,642
    8 64,741 2,434 1,704
    9 67,175 2,526 1,768
    10 69,701 2,621 1,835
    11 72,322 2,719 1,904
    12 75,041 2,822 1,975
    13 77,863 2,928 2,049
    14 80,790 3,038 2,126
    15 83,828 3,152 2,206
    16 86,980 3,270 2,289
    17 90,250 3,393 2,375
    18 93,644 3,521 2,465
    19 97,165 3,653 2,557
    20 100,818 3,791 2,654
    TOTAL $54,609 $38,226

    All calculations are for demonstration purposes only.

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