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Comparison of Deposit Account from FIRST COMMUNITY with 4.00% - May 2025


Long-Term Analysis of MCPHERSON CO-OP with 0.35% APY and FIRST COMMUNITY with 4.00% 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
    MCPHERSON CO-OP
    0.35%
    -
    $50,000
    6 Month
    Credit Union
    0.87x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 177 124
    2 50,177 177 124
    3 50,354 178 124
    4 50,531 178 125
    5 50,710 179 125
    6 50,889 180 126
    7 51,068 180 126
    8 51,249 181 127
    9 51,430 182 127
    10 51,611 182 128
    11 51,793 183 128
    12 51,976 183 128
    13 52,160 184 129
    14 52,344 185 129
    15 52,529 185 130
    16 52,714 186 130
    17 52,900 187 131
    18 53,087 187 131
    19 53,274 188 132
    20 53,462 189 132
    TOTAL $3,651 $2,556
  • 2
    LOCAL CD
    FIRST COMMUNITY
    4.00%
    -
    $50,000
    6 Month
    Credit Union
    9.83x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689

    All calculations are for demonstration purposes only.

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