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Comparison of Deposit Account from First State Bank with 0.61% - June 2025


Long-Term Analysis of TONGASS with 0.14% APY and Mechanics Bank with 0.15% APY and The Exchange Bank with 0.50% APY and STALEY with 0.90% APY and MEMBERS ADVANTAGE COMMUNITY with 0.25% APY and First State Bank with 0.61% APY and Raymond James Bank with 4.05% 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 MONEY MARKET
    TONGASS
    0.14%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.14%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 70 49
    2 50,070 70 49
    3 50,140 70 49
    4 50,210 70 49
    5 50,281 70 49
    6 50,351 70 49
    7 50,421 71 49
    8 50,492 71 49
    9 50,563 71 50
    10 50,634 71 50
    11 50,704 71 50
    12 50,775 71 50
    13 50,846 71 50
    14 50,918 71 50
    15 50,989 71 50
    16 51,060 71 50
    17 51,132 72 50
    18 51,203 72 50
    19 51,275 72 50
    20 51,347 72 50
    TOTAL $1,419 $993
  • 2
    LOCAL CD
    Mechanics Bank
    0.15%
    -
    $50,000
    6 Month
    Bank
    0.37x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 3
    LOCAL CD
    The Exchange Bank
    0.50%
    -
    $50,000
    18 Month
    Bank
    0.86x (National Avg. - 0.58%)
    $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
  • 4
    LOCAL CD
    STALEY
    0.90%
    -
    $50,000
    48 Month
    Credit Union
    1.10x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 5
    LOCAL CD
    MEMBERS ADVANTAGE COMMUNITY
    0.25%
    -
    $50,000
    12 Month
    Credit Union
    0.45x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 6
    LOCAL CD
    First State Bank
    0.61%
    -
    $50,000
    48 Month
    Bank
    0.75x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.61%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 305 214
    2 50,305 307 215
    3 50,612 309 216
    4 50,921 311 217
    5 51,231 313 219
    6 51,544 314 220
    7 51,858 316 221
    8 52,174 318 223
    9 52,493 320 224
    10 52,813 322 226
    11 53,135 324 227
    12 53,459 326 228
    13 53,785 328 230
    14 54,113 330 231
    15 54,444 332 232
    16 54,776 334 234
    17 55,110 336 235
    18 55,446 338 237
    19 55,784 340 238
    20 56,124 342 240
    TOTAL $6,467 $4,527
  • 7
    LOCAL CD
    Raymond James Bank
    4.05%
    -
    $50,000
    18 Month
    Bank
    6.97x (National Avg. - 0.58%)
    $5,000
     
    SCENARIO
    Year Rate
    4.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,025 1,418
    2 52,025 2,107 1,475
    3 54,132 2,192 1,535
    4 56,324 2,281 1,597
    5 58,605 2,374 1,661
    6 60,979 2,470 1,729
    7 63,449 2,570 1,799
    8 66,018 2,674 1,872
    9 68,692 2,782 1,947
    10 71,474 2,895 2,026
    11 74,369 3,012 2,108
    12 77,381 3,134 2,194
    13 80,515 3,261 2,283
    14 83,776 3,393 2,375
    15 87,168 3,530 2,471
    16 90,699 3,673 2,571
    17 94,372 3,822 2,675
    18 98,194 3,977 2,784
    19 102,171 4,138 2,897
    20 106,309 4,306 3,014
    TOTAL $60,614 $42,430

    All calculations are for demonstration purposes only.

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