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Comparison of Deposit Account from FIVE STAR with 0.70% - September 2026


Long-Term Analysis of FIVE STAR with 0.70% APY and DIRECT with 5.55% 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
    FIVE STAR
    0.70%
    -
    $50,000
    6 Month
    Credit Union
    1.74x (National Avg. - 0.40%)
    $10,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240
  • 2
    LOCAL CD
    DIRECT
    5.55%
    -
    $50,000
    6 Month
    Credit Union
    13.77x (National Avg. - 0.40%)
    $100,000
     
    SCENARIO
    Year Rate
    5.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,775 1,943
    2 52,775 2,929 2,050
    3 55,704 3,092 2,164
    4 58,796 3,263 2,284
    5 62,059 3,444 2,411
    6 65,503 3,635 2,545
    7 69,138 3,837 2,686
    8 72,976 4,050 2,835
    9 77,026 4,275 2,992
    10 81,301 4,512 3,159
    11 85,813 4,763 3,334
    12 90,575 5,027 3,519
    13 95,602 5,306 3,714
    14 100,908 5,600 3,920
    15 106,509 5,911 4,138
    16 112,420 6,239 4,368
    17 118,659 6,586 4,610
    18 125,245 6,951 4,866
    19 132,196 7,337 5,136
    20 139,533 7,744 5,421
    TOTAL $97,277 $68,094

    All calculations are for demonstration purposes only.

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