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Comparison of Deposit Account from First Hope Bank, A National Banking Association with 3.75% - May 2025

Long-Term Analysis of CENTRAL STATE with 0.07% APY and West Suburban Bank with 0.50% APY and INROADS with 6.88% APY and First Hope Bank, A National Banking Association with 3.75% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL MONEY MARKET

CENTRAL STATE

0.07%

$50,000

N.A.

Credit Union

N.A.

$25,000

SCENARIO

Year	Rate 0.07%	Annual Interest	Annual Interest (After Tax)
1	50,000	35	25
2	50,035	35	25
3	50,070	35	25
4	50,105	35	25
5	50,140	35	25
6	50,175	35	25
7	50,210	35	25
8	50,246	35	25
9	50,281	35	25
10	50,316	35	25
11	50,351	35	25
12	50,386	35	25
13	50,422	35	25
14	50,457	35	25
15	50,492	35	25
16	50,528	35	25
17	50,563	35	25
18	50,598	35	25
19	50,634	35	25
20	50,669	35	25
	TOTAL	$705	$493

LOCAL CD

West Suburban Bank

0.50%

$50,000

36 Month

Bank

0.66x (National Avg. - 0.75%)

$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

LOCAL SAVINGS

INROADS

6.88%

$50,000

N.A.

Credit Union

30.83x (National Avg. - 0.22%)

$10,000

SCENARIO

Year	Rate 6.88%	Annual Interest	Annual Interest (After Tax)
1	50,000	3,438	2,406
2	53,438	3,674	2,572
3	57,111	3,926	2,748
4	61,038	4,196	2,937
5	65,234	4,485	3,139
6	69,719	4,793	3,355
7	74,512	5,123	3,586
8	79,635	5,475	3,832
9	85,110	5,851	4,096
10	90,961	6,254	4,377
11	97,215	6,684	4,678
12	103,898	7,143	5,000
13	111,041	7,634	5,344
14	118,675	8,159	5,711
15	126,834	8,720	6,104
16	135,554	9,319	6,524
17	144,873	9,960	6,972
18	154,833	10,645	7,451
19	165,478	11,377	7,964
20	176,855	12,159	8,511
	TOTAL	$139,013	$97,309

LOCAL CD

First Hope Bank, A National Banking Association

3.75%

$50,000

9 Month

Bank

N.A.

$2,500

SCENARIO

Year	Rate 3.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,875	1,313
2	51,875	1,945	1,362
3	53,820	2,018	1,413
4	55,839	2,094	1,466
5	57,933	2,172	1,521
6	60,105	2,254	1,578
7	62,359	2,338	1,637
8	64,697	2,426	1,698
9	67,124	2,517	1,762
10	69,641	2,612	1,828
11	72,252	2,709	1,897
12	74,962	2,811	1,968
13	77,773	2,916	2,042
14	80,689	3,026	2,118
15	83,715	3,139	2,198
16	86,854	3,257	2,280
17	90,111	3,379	2,365
18	93,491	3,506	2,454
19	96,996	3,637	2,546
20	100,634	3,774	2,642
	TOTAL	$54,408	$38,085

All calculations are for demonstration purposes only.

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Compare Savings vs. CDs Comparison of Deposit Account from First Hope Bank, A National Banking Association with 3.75% - May 2025

Long-Term Analysis of CENTRAL STATE with 0.07% APY and West Suburban Bank with 0.50% APY and INROADS with 6.88% APY and First Hope Bank, A National Banking Association with 3.75% APY

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Compare Savings vs. CDs
Comparison of Deposit Account from First Hope Bank, A National Banking Association with 3.75% - May 2025