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Comparison of Deposit Account from FRIENDS AND FAMILY CREDIT UNION INC with 0.30% - November 2026


Long-Term Analysis of Citizens State Bank of Woodville, Texas with 0.90% APY and Farmers and Merchants State Bank of Alpha with 0.20% APY and FRIENDS AND FAMILY CREDIT UNION INC with 0.30% 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
    Citizens State Bank of Woodville, Texas
    0.90%
    -
    $50,000
    24 Month
    Bank
    1.35x (National Avg. - 0.67%)
    $1,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 448 314
    2 50,448 452 316
    3 50,900 456 319
    4 51,356 460 322
    5 51,816 464 325
    6 52,281 468 328
    7 52,749 473 331
    8 53,222 477 334
    9 53,698 481 337
    10 54,180 485 340
    11 54,665 490 343
    12 55,155 494 346
    13 55,649 499 349
    14 56,148 503 352
    15 56,651 508 355
    16 57,158 512 358
    17 57,670 517 362
    18 58,187 521 365
    19 58,709 526 368
    20 59,235 531 372
    TOTAL $9,765 $6,836
  • 2
    LOCAL CD
    Farmers and Merchants State Bank of Alpha
    0.20%
    -
    $50,000
    6 Month
    Bank
    0.50x (National Avg. - 0.40%)
    $100,000
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 3
    LOCAL CD
    FRIENDS AND FAMILY CREDIT UNION INC
    0.30%
    -
    $50,000
    24 Month
    Credit Union
    0.45x (National Avg. - 0.67%)
    $10,000
     
    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

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑0.05% on October 8.
    Early Withdrawal Penalty is 730 days interest.

    Last change: ↑0.10% on October 8.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.81% on April 27.

    Last change: ↑0.80% on April 27.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↑0.78% on April 27.
    Early Withdrawal Penalty is 90 days interest.

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