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Comparison of Deposit Account from FIRST TECHNOLOGY with 3.45% - May 2025


Long-Term Analysis of FIRST U.S. COMMUNITY with 1.45% APY and FIRST TECHNOLOGY with 3.45% APY and THINKWISE with 0.30% APY and WINDSOR LOCKS with 0.35% APY and TINKER with 3.65% 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 U.S. COMMUNITY
    1.45%
    -
    $50,000
    60 Month
    Credit Union
    1.58x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 725 508
    2 50,725 736 515
    3 51,461 746 522
    4 52,207 757 530
    5 52,964 768 538
    6 53,732 779 545
    7 54,511 790 553
    8 55,301 802 561
    9 56,103 813 569
    10 56,917 825 578
    11 57,742 837 586
    12 58,579 849 595
    13 59,428 862 603
    14 60,290 874 612
    15 61,164 887 621
    16 62,051 900 630
    17 62,951 913 639
    18 63,864 926 648
    19 64,790 939 658
    20 65,729 953 667
    TOTAL $16,682 $11,678
  • 2
    LOCAL CD
    FIRST TECHNOLOGY
    3.45%
    -
    $50,000
    6 Month
    Credit Union
    8.48x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    3.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,725 1,208
    2 51,725 1,785 1,249
    3 53,510 1,846 1,292
    4 55,356 1,910 1,337
    5 57,265 1,976 1,383
    6 59,241 2,044 1,431
    7 61,285 2,114 1,480
    8 63,399 2,187 1,531
    9 65,586 2,263 1,584
    10 67,849 2,341 1,639
    11 70,190 2,422 1,695
    12 72,612 2,505 1,754
    13 75,117 2,592 1,814
    14 77,708 2,681 1,877
    15 80,389 2,773 1,941
    16 83,162 2,869 2,008
    17 86,032 2,968 2,078
    18 89,000 3,070 2,149
    19 92,070 3,176 2,223
    20 95,247 3,286 2,300
    TOTAL $48,533 $33,973
  • 3
    LOCAL MONEY MARKET
    THINKWISE
    0.30%
    -
    $50,000
    N.A.
    Credit Union
    0.74x (National Avg. - 0.41%)
    $25,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 4
    LOCAL CD
    WINDSOR LOCKS
    0.35%
    -
    $50,000
    6 Month
    Credit Union
    0.86x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 5
    LOCAL CD
    TINKER
    3.65%
    -
    $50,000
    48 Month
    Credit Union
    4.47x (National Avg. - 0.82%)
    $50,000
     
    SCENARIO
    Year Rate
    3.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,825 1,278
    2 51,825 1,892 1,324
    3 53,717 1,961 1,372
    4 55,677 2,032 1,423
    5 57,709 2,106 1,474
    6 59,816 2,183 1,528
    7 61,999 2,263 1,584
    8 64,262 2,346 1,642
    9 66,608 2,431 1,702
    10 69,039 2,520 1,764
    11 71,559 2,612 1,828
    12 74,171 2,707 1,895
    13 76,878 2,806 1,964
    14 79,684 2,908 2,036
    15 82,592 3,015 2,110
    16 85,607 3,125 2,187
    17 88,732 3,239 2,267
    18 91,970 3,357 2,350
    19 95,327 3,479 2,436
    20 98,807 3,606 2,525
    TOTAL $52,413 $36,689

    All calculations are for demonstration purposes only.

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