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Comparison of Deposit Account from Fidelity Bank & Trust with 1.10% - May 2025

Long-Term Analysis of Fidelity Bank & Trust with 1.10% APY and UNITED COMMUNITY with 0.50% APY and DESERT FINANCIAL with 3.75% APY and Greenfield Banking Company with 4.08% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

Fidelity Bank & Trust

1.10%

$50,000

48 Month

Bank

1.35x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	550	385
2	50,550	556	389
3	51,106	562	394
4	51,668	568	398
5	52,237	575	402
6	52,811	581	407
7	53,392	587	411
8	53,979	594	416
9	54,573	600	420
10	55,173	607	425
11	55,780	614	430
12	56,394	620	434
13	57,014	627	439
14	57,641	634	444
15	58,276	641	449
16	58,917	648	454
17	59,565	655	459
18	60,220	662	464
19	60,882	670	469
20	61,552	677	474
	TOTAL	$12,229	$8,560

LOCAL CD

UNITED COMMUNITY

0.50%

$50,000

24 Month

Credit Union

0.76x (National Avg. - 0.66%)

$500

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

DESERT FINANCIAL

3.75%

$50,000

48 Month

Credit Union

4.60x (National Avg. - 0.82%)

$1,000

SCENARIO

Year	Rate 3.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,875	1,313
2	51,875	1,945	1,362
3	53,820	2,018	1,413
4	55,839	2,094	1,466
5	57,933	2,172	1,521
6	60,105	2,254	1,578
7	62,359	2,338	1,637
8	64,697	2,426	1,698
9	67,124	2,517	1,762
10	69,641	2,612	1,828
11	72,252	2,709	1,897
12	74,962	2,811	1,968
13	77,773	2,916	2,042
14	80,689	3,026	2,118
15	83,715	3,139	2,198
16	86,854	3,257	2,280
17	90,111	3,379	2,365
18	93,491	3,506	2,454
19	96,996	3,637	2,546
20	100,634	3,774	2,642
	TOTAL	$54,408	$38,085

LOCAL CD

Greenfield Banking Company

4.08%

$50,000

6 Month

Bank

10.02x (National Avg. - 0.41%)

$5,000

SCENARIO

Year	Rate 4.08%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,040	1,428
2	52,040	2,123	1,486
3	54,163	2,210	1,547
4	56,373	2,300	1,610
5	58,673	2,394	1,676
6	61,067	2,492	1,744
7	63,559	2,593	1,815
8	66,152	2,699	1,889
9	68,851	2,809	1,966
10	71,660	2,924	2,047
11	74,584	3,043	2,130
12	77,627	3,167	2,217
13	80,794	3,296	2,307
14	84,090	3,431	2,402
15	87,521	3,571	2,500
16	91,092	3,717	2,602
17	94,808	3,868	2,708
18	98,677	4,026	2,818
19	102,703	4,190	2,933
20	106,893	4,361	3,053
	TOTAL	$61,254	$42,878

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.
My e-Banc, a division of Bradesco BAC Florida Bank	4.50%	$50,000	Learn More
Last change: ↓0.05% on April 30. 6 Month Jumbo CD.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
Goldman Sachs Bank	4.50%	$500	Learn More
Last change: ↓0.50% on February 25.

Compare Savings vs. CDs Comparison of Deposit Account from Fidelity Bank & Trust with 1.10% - May 2025

Long-Term Analysis of Fidelity Bank & Trust with 1.10% APY and UNITED COMMUNITY with 0.50% APY and DESERT FINANCIAL with 3.75% APY and Greenfield Banking Company with 4.08% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Fidelity Bank & Trust with 1.10% - May 2025