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Comparison of Deposit Account from FINANCIAL ONE with 0.28% - May 2025


Long-Term Analysis of Shore United Bank with 0.50% APY and First Bank of Alabama with 0.39% APY and Pacific Premier Bank with 0.50% APY and FINANCIAL ONE with 0.28% APY and Dakota Heritage Bank with 0.60% APY and Peoples Federal Savings and Loan Association with 0.50% APY and PATRIOT EQUITY with 0.55% APY and Southwestern National Bank with 0.20% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    Shore United Bank
    0.50%
    -
    $50,000
    48 Month
    Bank
    0.61x (National Avg. - 0.82%)
    $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
  • 2
    LOCAL CD
    First Bank of Alabama
    0.39%
    -
    $50,000
    24 Month
    Bank
    0.59x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.39%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 195 137
    2 50,195 196 137
    3 50,391 197 138
    4 50,587 197 138
    5 50,785 198 139
    6 50,983 199 139
    7 51,181 200 140
    8 51,381 200 140
    9 51,581 201 141
    10 51,783 202 141
    11 51,985 203 142
    12 52,187 204 142
    13 52,391 204 143
    14 52,595 205 144
    15 52,800 206 144
    16 53,006 207 145
    17 53,213 208 145
    18 53,420 208 146
    19 53,629 209 146
    20 53,838 210 147
    TOTAL $4,048 $2,834
  • 3
    LOCAL CD
    Pacific Premier Bank
    0.50%
    -
    $50,000
    18 Month
    Bank
    0.86x (National Avg. - 0.58%)
    $100,000
     
    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
  • 4
    LOCAL CD
    FINANCIAL ONE
    0.28%
    -
    $50,000
    6 Month
    Credit Union
    0.69x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.28%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 140 98
    2 50,140 140 98
    3 50,280 141 99
    4 50,421 141 99
    5 50,562 142 99
    6 50,704 142 99
    7 50,846 142 100
    8 50,988 143 100
    9 51,131 143 100
    10 51,274 144 100
    11 51,418 144 101
    12 51,562 144 101
    13 51,706 145 101
    14 51,851 145 102
    15 51,996 146 102
    16 52,142 146 102
    17 52,288 146 102
    18 52,434 147 103
    19 52,581 147 103
    20 52,728 148 103
    TOTAL $2,876 $2,013
  • 5
    LOCAL CD
    Dakota Heritage Bank
    0.60%
    -
    $50,000
    12 Month
    Bank
    1.09x (National Avg. - 0.55%)
    $500
     
    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
  • 6
    LOCAL CD
    Peoples Federal Savings and Loan Association
    0.50%
    -
    $50,000
    48 Month
    Bank
    0.61x (National Avg. - 0.82%)
    $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
  • 7
    LOCAL CD
    PATRIOT EQUITY
    0.55%
    -
    $50,000
    6 Month
    Credit Union
    1.35x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 275 193
    2 50,275 277 194
    3 50,552 278 195
    4 50,830 280 196
    5 51,109 281 197
    6 51,390 283 198
    7 51,673 284 199
    8 51,957 286 200
    9 52,243 287 201
    10 52,530 289 202
    11 52,819 291 203
    12 53,110 292 204
    13 53,402 294 206
    14 53,695 295 207
    15 53,991 297 208
    16 54,288 299 209
    17 54,586 300 210
    18 54,886 302 211
    19 55,188 304 212
    20 55,492 305 214
    TOTAL $5,797 $4,058
  • 8
    LOCAL SAVINGS
    Southwestern National Bank
    0.20%
    -
    $50,000
    N.A.
    Bank
    0.90x (National Avg. - 0.22%)
    $2,500
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427

    All calculations are for demonstration purposes only.

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