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Comparison of Deposit Account from FIRST COMMERCE with 3.00% - July 2025


Long-Term Analysis of FIRST COMMERCE with 3.00% APY and STATE DEPARTMENT with 3.96% 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
    FIRST COMMERCE
    3.00%
    -
    $50,000
    48 Month
    Credit Union
    3.67x (National Avg. - 0.82%)
    $1,000
     
    SCENARIO
    Year Rate
    3.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,500 1,050
    2 51,500 1,545 1,082
    3 53,045 1,591 1,114
    4 54,636 1,639 1,147
    5 56,275 1,688 1,182
    6 57,964 1,739 1,217
    7 59,703 1,791 1,254
    8 61,494 1,845 1,291
    9 63,339 1,900 1,330
    10 65,239 1,957 1,370
    11 67,196 2,016 1,411
    12 69,212 2,076 1,453
    13 71,288 2,139 1,497
    14 73,427 2,203 1,542
    15 75,629 2,269 1,588
    16 77,898 2,337 1,636
    17 80,235 2,407 1,685
    18 82,642 2,479 1,735
    19 85,122 2,554 1,788
    20 87,675 2,630 1,841
    TOTAL $40,306 $28,214
  • 2
    LOCAL CD
    STATE DEPARTMENT
    3.96%
    -
    $50,000
    24 Month
    Credit Union
    5.99x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    3.96%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,980 1,386
    2 51,980 2,058 1,441
    3 54,038 2,140 1,498
    4 56,178 2,225 1,557
    5 58,403 2,313 1,619
    6 60,716 2,404 1,683
    7 63,120 2,500 1,750
    8 65,620 2,599 1,819
    9 68,218 2,701 1,891
    10 70,920 2,808 1,966
    11 73,728 2,920 2,044
    12 76,648 3,035 2,125
    13 79,683 3,155 2,209
    14 82,838 3,280 2,296
    15 86,119 3,410 2,387
    16 89,529 3,545 2,482
    17 93,074 3,686 2,580
    18 96,760 3,832 2,682
    19 100,592 3,983 2,788
    20 104,575 4,141 2,899
    TOTAL $58,716 $41,102

    All calculations are for demonstration purposes only.

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