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Comparison of Deposit Account from Focus Bank with 0.40% - September 2026

Long-Term Analysis of PEN AIR with 0.30% APY and Focus Bank with 0.40% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL SAVINGS

PEN AIR

0.30%

$50,000

N.A.

Credit Union

1.28x (National Avg. - 0.23%)

$25,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,299	150	105
4	50,450	151	106
5	50,601	151	106
6	50,752	152	106
7	50,904	152	107
8	51,056	153	107
9	51,209	153	107
10	51,362	154	108
11	51,515	154	108
12	51,669	154	108
13	51,824	155	108
14	51,979	155	109
15	52,134	156	109
16	52,290	156	109
17	52,446	157	110
18	52,603	157	110
19	52,760	158	110
20	52,918	158	111
	TOTAL	$3,076	$2,154

LOCAL MONEY MARKET

Focus Bank

0.40%

$50,000

N.A.

Bank

1.71x (National Avg. - 0.23%)

$2,500

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

All calculations are for demonstration purposes only.

Featured CD Rates

Advertiser Disclosure

ONLINE BANKS	APY^?	MIN^?
North American Savings Bank, F.S.B.	4.35%	$100,000	Learn More on the North American Savings Bank, F.S.B. website
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BTG Pactual Bank, National Association	4.50%	$500	Learn More
Last change: ↑0.45% on April 27. Early Withdrawal Penalty is 90 days interest.
BTG Pactual Bank, National Association	4.50%	$500	Learn More
Last change: ↑0.43% on April 27. Early Withdrawal Penalty is 90 days interest.
Popular Direct	4.50%	$10,000	Learn More
Last change: ↑0.65% on August 6. Early Withdrawal Penalty is 365 days interest.
Popular Direct	4.50%	$10,000	Learn More
Last change: ↑1.20% on August 6. Early Withdrawal Penalty is 365 days interest.

Compare Savings vs. CDs Comparison of Deposit Account from Focus Bank with 0.40% - September 2026

Long-Term Analysis of PEN AIR with 0.30% APY and Focus Bank with 0.40% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Focus Bank with 0.40% - September 2026