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Comparison of Deposit Account from FERGUSON with 1.40% - December 2025


Long-Term Analysis of FERGUSON with 1.40% APY and FIRST BASIN with 0.60% 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
    FERGUSON
    1.40%
    -
    $50,000
    48 Month
    Credit Union
    1.71x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 699 489
    2 50,699 709 496
    3 51,408 719 503
    4 52,126 729 510
    5 52,855 739 517
    6 53,594 749 524
    7 54,343 760 532
    8 55,103 770 539
    9 55,873 781 547
    10 56,655 792 554
    11 57,447 803 562
    12 58,250 814 570
    13 59,064 826 578
    14 59,890 837 586
    15 60,727 849 594
    16 61,576 861 603
    17 62,437 873 611
    18 63,310 885 620
    19 64,195 897 628
    20 65,092 910 637
    TOTAL $16,002 $11,201
  • 2
    LOCAL CD
    FIRST BASIN
    0.60%
    -
    $50,000
    36 Month
    Credit Union
    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

    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: ↑0.05% on December 1.

    Last change: ↑0.10% on December 1.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↓0.15% on November 26.

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