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Comparison of Deposit Account from FINANCIAL BUILDERS with 1.28% - November 2026


Long-Term Analysis of FINANCIAL BUILDERS with 1.28% APY and TEG with 0.70% APY and TEG with 0.80% 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 MONEY MARKET
    FINANCIAL BUILDERS
    1.28%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $25,000
     
    SCENARIO
    Year Rate
    1.28%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 640 448
    2 50,640 648 454
    3 51,288 656 460
    4 51,945 665 465
    5 52,610 673 471
    6 53,283 682 477
    7 53,965 691 484
    8 54,656 700 490
    9 55,355 709 496
    10 56,064 718 502
    11 56,782 727 509
    12 57,508 736 515
    13 58,244 746 522
    14 58,990 755 529
    15 59,745 765 535
    16 60,510 775 542
    17 61,284 784 549
    18 62,069 794 556
    19 62,863 805 563
    20 63,668 815 570
    TOTAL $14,483 $10,138
  • 2
    LOCAL CD
    TEG
    0.70%
    -
    $50,000
    12 Month
    Credit Union
    1.27x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240
  • 3
    LOCAL CD
    TEG
    0.80%
    -
    $50,000
    24 Month
    Credit Union
    1.20x (National Avg. - 0.67%)
    $10,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047

    All calculations are for demonstration purposes only.

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