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Comparison of Deposit Account from FINANCIAL CENTER FIRST with 0.75% - May 2025


Long-Term Analysis of Longview Bank with 0.50% APY and FINANCIAL CENTER FIRST with 0.75% APY and UPSTATE with 1.32% 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
    Longview Bank
    0.50%
    -
    $50,000
    12 Month
    Bank
    0.91x (National Avg. - 0.55%)
    $10,000
     
    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
  • 2
    LOCAL CD
    FINANCIAL CENTER FIRST
    0.75%
    -
    $50,000
    60 Month
    Credit Union
    0.82x (National Avg. - 0.92%)
    $10,000
     
    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
  • 3
    LOCAL CD
    UPSTATE
    1.32%
    -
    $50,000
    60 Month
    Credit Union
    1.44x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.32%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 660 462
    2 50,660 669 468
    3 51,329 678 474
    4 52,006 686 481
    5 52,693 696 487
    6 53,388 705 493
    7 54,093 714 500
    8 54,807 723 506
    9 55,530 733 513
    10 56,263 743 520
    11 57,006 752 527
    12 57,759 762 534
    13 58,521 772 541
    14 59,294 783 548
    15 60,076 793 555
    16 60,869 803 562
    17 61,673 814 570
    18 62,487 825 577
    19 63,312 836 585
    20 64,147 847 593
    TOTAL $14,994 $10,496

    All calculations are for demonstration purposes only.

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