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Comparison of Deposit Account from HARBORSTONE with 4.90% - September 2026

Long-Term Analysis of HARBORSTONE with 4.90% APY and FORT COMMUNITY with 0.25% 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

HARBORSTONE

4.90%

$50,000

48 Month

Credit Union

5.96x (National Avg. - 0.82%)

$500

SCENARIO

Year	Rate 4.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,450	1,715
2	52,450	2,570	1,799
3	55,020	2,696	1,887
4	57,716	2,828	1,980
5	60,544	2,967	2,077
6	63,511	3,112	2,178
7	66,623	3,265	2,285
8	69,887	3,424	2,397
9	73,312	3,592	2,515
10	76,904	3,768	2,638
11	80,672	3,953	2,767
12	84,625	4,147	2,903
13	88,772	4,350	3,045
14	93,122	4,563	3,194
15	97,685	4,787	3,351
16	102,471	5,021	3,515
17	107,492	5,267	3,687
18	112,760	5,525	3,868
19	118,285	5,796	4,057
20	124,081	6,080	4,256
	TOTAL	$80,161	$56,112

LOCAL MONEY MARKET

FORT COMMUNITY

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

All calculations are for demonstration purposes only.

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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 HARBORSTONE with 4.90% - September 2026

Long-Term Analysis of HARBORSTONE with 4.90% APY and FORT COMMUNITY with 0.25% APY

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Compare Savings vs. CDs
Comparison of Deposit Account from HARBORSTONE with 4.90% - September 2026