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Comparison of Deposit Account from HOPKINS COUNTY TEACHERS with 0.75% - November 2025


Long-Term Analysis of CITY OF BOSTON with 0.85% APY and First Century Bank, National Association with 0.05% APY and MEMBERS HERITAGE with 1.11% APY and HOPKINS COUNTY TEACHERS with 0.75% 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
    CITY OF BOSTON
    0.85%
    -
    $50,000
    12 Month
    Credit Union
    1.55x (National Avg. - 0.55%)
    $50,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456
  • 2
    LOCAL CD
    First Century Bank, National Association
    0.05%
    -
    $50,000
    6 Month
    Bank
    0.12x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 3
    LOCAL CD
    MEMBERS HERITAGE
    1.11%
    -
    $50,000
    48 Month
    Credit Union
    1.36x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.11%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 555 389
    2 50,555 561 393
    3 51,116 567 397
    4 51,684 574 402
    5 52,257 580 406
    6 52,837 586 411
    7 53,424 593 415
    8 54,017 600 420
    9 54,616 606 424
    10 55,223 613 429
    11 55,836 620 434
    12 56,455 627 439
    13 57,082 634 444
    14 57,716 641 448
    15 58,356 648 453
    16 59,004 655 458
    17 59,659 662 464
    18 60,321 670 469
    19 60,991 677 474
    20 61,668 685 479
    TOTAL $12,352 $8,647
  • 4
    LOCAL CD
    HOPKINS COUNTY TEACHERS
    0.75%
    -
    $50,000
    24 Month
    Credit Union
    1.14x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 376 263
    2 50,376 378 265
    3 50,754 381 267
    4 51,135 384 269
    5 51,519 387 271
    6 51,906 390 273
    7 52,296 393 275
    8 52,688 396 277
    9 53,084 399 279
    10 53,483 402 281
    11 53,884 405 283
    12 54,289 408 285
    13 54,697 411 288
    14 55,108 414 290
    15 55,521 417 292
    16 55,938 420 294
    17 56,359 423 296
    18 56,782 426 299
    19 57,208 430 301
    20 57,638 433 303
    TOTAL $8,071 $5,650

    All calculations are for demonstration purposes only.

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