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Comparison of Deposit Account from GENFED FINANCIAL with 0.18% - May 2025


Long-Term Analysis of Trustmark National Bank with 0.03% APY and GENFED FINANCIAL with 0.18% APY and DIGITAL with 3.50% APY and SUPERIOR CREDIT UNION, INC with 1.25% APY and FIRELANDS with 0.50% APY and TRUSTONE FINANCIAL with 4.00% 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 MONEY MARKET
    Trustmark National Bank
    0.03%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $25,000
     
    SCENARIO
    Year Rate
    0.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 15 11
    2 50,015 15 11
    3 50,030 15 11
    4 50,045 15 11
    5 50,060 15 11
    6 50,075 15 11
    7 50,090 15 11
    8 50,105 15 11
    9 50,120 15 11
    10 50,135 15 11
    11 50,150 15 11
    12 50,165 15 11
    13 50,180 15 11
    14 50,195 15 11
    15 50,210 15 11
    16 50,225 15 11
    17 50,241 15 11
    18 50,256 15 11
    19 50,271 15 11
    20 50,286 15 11
    TOTAL $301 $211
  • 2
    LOCAL CD
    GENFED FINANCIAL
    0.18%
    -
    $50,000
    18 Month
    Credit Union
    0.31x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.18%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 90 63
    2 50,090 90 63
    3 50,180 90 63
    4 50,270 90 63
    5 50,361 91 63
    6 50,452 91 64
    7 50,542 91 64
    8 50,633 91 64
    9 50,725 91 64
    10 50,816 91 64
    11 50,907 92 64
    12 50,999 92 64
    13 51,091 92 64
    14 51,183 92 64
    15 51,275 92 65
    16 51,367 92 65
    17 51,460 93 65
    18 51,552 93 65
    19 51,645 93 65
    20 51,738 93 65
    TOTAL $1,831 $1,282
  • 3
    LOCAL CD
    DIGITAL
    3.50%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $25,000
     
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643
  • 4
    LOCAL CD
    SUPERIOR CREDIT UNION, INC
    1.25%
    -
    $50,000
    60 Month
    Credit Union
    1.36x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 625 438
    2 50,625 633 443
    3 51,258 641 449
    4 51,899 649 454
    5 52,547 657 460
    6 53,204 665 466
    7 53,869 673 471
    8 54,543 682 477
    9 55,224 690 483
    10 55,915 699 489
    11 56,614 708 495
    12 57,321 717 502
    13 58,038 725 508
    14 58,763 735 514
    15 59,498 744 521
    16 60,241 753 527
    17 60,994 762 534
    18 61,757 772 540
    19 62,529 782 547
    20 63,310 791 554
    TOTAL $14,102 $9,871
  • 5
    LOCAL CD
    FIRELANDS
    0.50%
    -
    $50,000
    36 Month
    Credit Union
    0.66x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 6
    LOCAL CD
    TRUSTONE FINANCIAL
    4.00%
    -
    $50,000
    6 Month
    Credit Union
    9.83x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689

    All calculations are for demonstration purposes only.

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