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Comparison of Deposit Account from FIVE STAR with 1.31% - July 2025


Long-Term Analysis of FIVE STAR with 1.31% APY and Gulf Coast Bank with 0.78% 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
    1.31%
    -
    $50,000
    48 Month
    Credit Union
    1.60x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.31%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 655 459
    2 50,655 664 465
    3 51,319 672 471
    4 51,991 681 477
    5 52,672 690 483
    6 53,362 699 489
    7 54,061 708 496
    8 54,769 717 502
    9 55,487 727 509
    10 56,214 736 515
    11 56,950 746 522
    12 57,696 756 529
    13 58,452 766 536
    14 59,218 776 543
    15 59,993 786 550
    16 60,779 796 557
    17 61,575 807 565
    18 62,382 817 572
    19 63,199 828 580
    20 64,027 839 587
    TOTAL $14,866 $10,406
  • 2
    LOCAL CD
    Gulf Coast Bank
    0.78%
    -
    $50,000
    48 Month
    Bank
    0.95x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.78%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 390 273
    2 50,390 393 275
    3 50,783 396 277
    4 51,179 399 279
    5 51,578 402 282
    6 51,981 405 284
    7 52,386 409 286
    8 52,795 412 288
    9 53,207 415 291
    10 53,622 418 293
    11 54,040 422 295
    12 54,461 425 297
    13 54,886 428 300
    14 55,314 431 302
    15 55,746 435 304
    16 56,180 438 307
    17 56,619 442 309
    18 57,060 445 312
    19 57,505 449 314
    20 57,954 452 316
    TOTAL $8,406 $5,884

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.06% on June 24.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.20% on April 9.

    Last change: ↑0.34% on May 27.
    Warning: Early Withdrawal Penalty is 180 days interest.

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    Last Update on July 4, 2025

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