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Comparison of Deposit Account from FMS Bank with 0.27% - September 2026


Long-Term Analysis of FMS Bank with 0.27% APY and SERVICE 1 with 0.85% APY and VACATIONLAND with 0.85% 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
    FMS Bank
    0.27%
    -
    $50,000
    6 Month
    Bank
    0.67x (National Avg. - 0.40%)
    $100,000
     
    SCENARIO
    Year Rate
    0.27%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 135 95
    2 50,135 135 95
    3 50,270 136 95
    4 50,406 136 95
    5 50,542 136 96
    6 50,679 137 96
    7 50,815 137 96
    8 50,953 138 96
    9 51,090 138 97
    10 51,228 138 97
    11 51,367 139 97
    12 51,505 139 97
    13 51,644 139 98
    14 51,784 140 98
    15 51,924 140 98
    16 52,064 141 98
    17 52,204 141 99
    18 52,345 141 99
    19 52,487 142 99
    20 52,628 142 99
    TOTAL $2,770 $1,939
  • 2
    LOCAL CD
    SERVICE 1
    0.85%
    -
    $50,000
    48 Month
    Credit Union
    1.03x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456
  • 3
    LOCAL CD
    VACATIONLAND
    0.85%
    -
    $50,000
    60 Month
    Credit Union
    0.92x (National Avg. - 0.93%)
    $10,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456

    All calculations are for demonstration purposes only.

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    Early Withdrawal Penalty is 365 days interest.

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