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Comparison of Deposit Account from GENISYS with 4.40% - August 2025

Long-Term Analysis of Dacotah Bank with 0.60% APY and Dacotah Bank with 0.20% APY and GENISYS with 4.40% APY and GENISYS with 4.60% 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 CD

Dacotah Bank

0.60%

$50,000

24 Month

Bank

0.91x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL MONEY MARKET

Dacotah Bank

0.20%

$50,000

N.A.

Bank

0.30x (National Avg. - 0.66%)

$25,000

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

LOCAL CD

GENISYS

4.40%

$50,000

25 Month

Credit Union

N.A.

$500

SCENARIO

Year	Rate 4.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,200	1,540
2	52,200	2,297	1,608
3	54,497	2,398	1,679
4	56,895	2,503	1,752
5	59,398	2,614	1,829
6	62,012	2,729	1,910
7	64,740	2,849	1,994
8	67,589	2,974	2,082
9	70,563	3,105	2,173
10	73,667	3,241	2,269
11	76,909	3,384	2,369
12	80,293	3,533	2,473
13	83,825	3,688	2,582
14	87,514	3,851	2,695
15	91,364	4,020	2,814
16	95,384	4,197	2,938
17	99,581	4,382	3,067
18	103,963	4,574	3,202
19	108,537	4,776	3,343
20	113,313	4,986	3,490
	TOTAL	$68,299	$47,809

LOCAL CD

GENISYS

4.60%

$50,000

19 Month

Credit Union

N.A.

$500

SCENARIO

Year	Rate 4.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,300	1,610
2	52,300	2,406	1,684
3	54,706	2,516	1,762
4	57,222	2,632	1,843
5	59,854	2,753	1,927
6	62,608	2,880	2,016
7	65,488	3,012	2,109
8	68,500	3,151	2,206
9	71,651	3,296	2,307
10	74,947	3,448	2,413
11	78,395	3,606	2,524
12	82,001	3,772	2,640
13	85,773	3,946	2,762
14	89,718	4,127	2,889
15	93,846	4,317	3,022
16	98,162	4,515	3,161
17	102,678	4,723	3,306
18	107,401	4,940	3,458
19	112,342	5,168	3,617
20	117,509	5,405	3,784
	TOTAL	$72,915	$51,040

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Bread Savings, a division of Bread Financial	4.45%	$1,500	Learn More
Last change: ↑0.10% on July 13.
Finworth, a division of InsBank	4.45%	$50,000	Learn More
Last change: ↓0.05% on August 2. 7-Month CD.
My e-Banc, a division of Bradesco BAC Florida Bank	4.45%	$50,000	Learn More
Last change: ↓0.05% on April 30. Early Withdrawal Penalty is 3 months interest.

Compare Savings vs. CDs Comparison of Deposit Account from GENISYS with 4.40% - August 2025

Long-Term Analysis of Dacotah Bank with 0.60% APY and Dacotah Bank with 0.20% APY and GENISYS with 4.40% APY and GENISYS with 4.60% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from GENISYS with 4.40% - August 2025