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Comparison of Deposit Account from HOUSTON POLICE with 0.56% - August 2025


Long-Term Analysis of Southwestern National Bank with 0.68% APY and HOUSTON POLICE with 0.56% 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
    Southwestern National Bank
    0.68%
    -
    $50,000
    18 Month
    Bank
    1.16x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.68%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 338 236
    2 50,338 340 238
    3 50,677 342 239
    4 51,019 344 241
    5 51,364 347 243
    6 51,710 349 244
    7 52,059 351 246
    8 52,411 354 248
    9 52,765 356 249
    10 53,121 359 251
    11 53,479 361 253
    12 53,840 363 254
    13 54,204 366 256
    14 54,570 368 258
    15 54,938 371 260
    16 55,309 373 261
    17 55,682 376 263
    18 56,058 378 265
    19 56,436 381 267
    20 56,817 384 268
    TOTAL $7,201 $5,041
  • 2
    LOCAL CD
    HOUSTON POLICE
    0.56%
    -
    $50,000
    18 Month
    Credit Union
    0.96x (National Avg. - 0.58%)
    $1,000
     
    SCENARIO
    Year Rate
    0.56%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 280 196
    2 50,280 282 197
    3 50,562 283 198
    4 50,845 285 199
    5 51,129 286 200
    6 51,416 288 202
    7 51,704 290 203
    8 51,993 291 204
    9 52,284 293 205
    10 52,577 294 206
    11 52,872 296 207
    12 53,168 298 208
    13 53,465 299 210
    14 53,765 301 211
    15 54,066 303 212
    16 54,369 304 213
    17 54,673 306 214
    18 54,979 308 216
    19 55,287 310 217
    20 55,597 311 218
    TOTAL $5,908 $4,136

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.10% on July 13.

    Last change: ↑0.40% on June 24.
    Early withdrawal penalty is 3 Months' Interest.

    Last change: ↓0.05% on August 2.
    7-Month CD.

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