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Comparison of Deposit Account from FIRST CHOICE with 0.91% - October 2025

Long-Term Analysis of 5Star Bank with 0.40% APY and HOPE with 0.75% APY and NexBank with 3.25% APY and FIRST CHOICE with 0.91% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

5Star Bank

0.40%

$50,000

24 Month

Bank

0.61x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

HOPE

0.75%

$50,000

36 Month

Credit Union

1.00x (National Avg. - 0.75%)

$100,000

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

LOCAL CD

NexBank

3.25%

$50,000

60 Month

Bank

3.53x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 3.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,625	1,138
2	51,625	1,678	1,174
3	53,303	1,732	1,213
4	55,035	1,789	1,252
5	56,824	1,847	1,293
6	58,671	1,907	1,335
7	60,577	1,969	1,378
8	62,546	2,033	1,423
9	64,579	2,099	1,469
10	66,678	2,167	1,517
11	68,845	2,237	1,566
12	71,082	2,310	1,617
13	73,392	2,385	1,670
14	75,778	2,463	1,724
15	78,240	2,543	1,780
16	80,783	2,625	1,838
17	83,409	2,711	1,898
18	86,119	2,799	1,959
19	88,918	2,890	2,023
20	91,808	2,984	2,089
	TOTAL	$44,792	$31,354

LOCAL CD

FIRST CHOICE

0.91%

$50,000

12 Month

Credit Union

1.66x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.91%	Annual Interest	Annual Interest (After Tax)
1	50,000	455	319
2	50,455	459	321
3	50,914	463	324
4	51,377	468	327
5	51,845	472	330
6	52,317	476	333
7	52,793	480	336
8	53,273	485	339
9	53,758	489	342
10	54,247	494	346
11	54,741	498	349
12	55,239	503	352
13	55,742	507	355
14	56,249	512	358
15	56,761	517	362
16	57,277	521	365
17	57,799	526	368
18	58,325	531	372
19	58,855	536	375
20	59,391	540	378
	TOTAL	$9,931	$6,952

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Ivy Bank, a division of Cambridge Savings Bank	4.35%	$1,000	Learn More
Last change: ↑2.35% on September 16.
Climate First Bank	4.34%	$500	Learn More
Last change: ↑1.66% on April 4.
Climate First Bank	4.34%	$500	Learn More
Last change: ↑0.66% on February 4. No Penalty CD.
Finworth, a division of InsBank	4.30%	$50,000	Learn More
Last change: ↓0.15% on September 23.
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.

Compare Savings vs. CDs Comparison of Deposit Account from FIRST CHOICE with 0.91% - October 2025

Long-Term Analysis of 5Star Bank with 0.40% APY and HOPE with 0.75% APY and NexBank with 3.25% APY and FIRST CHOICE with 0.91% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from FIRST CHOICE with 0.91% - October 2025