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Comparison of Deposit Account from Guaranty Bank and Trust Company with 0.58% - September 2026


Long-Term Analysis of CREDIT UNION ONE OF OKLAHOMA with 2.27% APY and CREDIT UNION ONE OF OKLAHOMA with 0.25% APY and Guaranty Bank and Trust Company with 0.58% 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
    CREDIT UNION ONE OF OKLAHOMA
    2.27%
    -
    $50,000
    48 Month
    Credit Union
    2.77x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    2.27%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,137 796
    2 51,137 1,162 814
    3 52,299 1,189 832
    4 53,488 1,216 851
    5 54,703 1,243 870
    6 55,947 1,272 890
    7 57,218 1,301 910
    8 58,519 1,330 931
    9 59,849 1,360 952
    10 61,210 1,391 974
    11 62,601 1,423 996
    12 64,024 1,455 1,019
    13 65,479 1,488 1,042
    14 66,967 1,522 1,066
    15 68,489 1,557 1,090
    16 70,046 1,592 1,115
    17 71,638 1,628 1,140
    18 73,267 1,665 1,166
    19 74,932 1,703 1,192
    20 76,635 1,742 1,219
    TOTAL $28,377 $19,864
  • 2
    LOCAL MONEY MARKET
    CREDIT UNION ONE OF OKLAHOMA
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    0.30x (National Avg. - 0.82%)
    $25,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 3
    LOCAL CD
    Guaranty Bank and Trust Company
    0.58%
    -
    $50,000
    48 Month
    Bank
    0.70x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.58%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 288 201
    2 50,288 289 202
    3 50,577 291 204
    4 50,867 292 205
    5 51,160 294 206
    6 51,454 296 207
    7 51,750 298 208
    8 52,048 299 209
    9 52,347 301 211
    10 52,648 303 212
    11 52,951 304 213
    12 53,255 306 214
    13 53,561 308 216
    14 53,869 310 217
    15 54,179 312 218
    16 54,490 313 219
    17 54,804 315 221
    18 55,119 317 222
    19 55,436 319 223
    20 55,755 321 224
    TOTAL $6,075 $4,253

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑0.25% on August 10.

    Last change: ↑0.65% on August 6.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑1.20% on August 6.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑1.20% on August 6.
    Early Withdrawal Penalty is 730 days interest.

    Last change: ↑0.40% on April 27.
    Early Withdrawal Penalty is 90 days interest.

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