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Comparison of Deposit Account from HUDSON RIVER FINANCIAL with 0.56% - July 2025


Long-Term Analysis of Kentucky Bank with 0.90% APY and HUDSON RIVER FINANCIAL 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
    Kentucky Bank
    0.90%
    -
    $50,000
    60 Month
    Bank
    0.98x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 2
    LOCAL CD
    HUDSON RIVER FINANCIAL
    0.56%
    -
    $50,000
    6 Month
    Credit Union
    1.37x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.56%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 281 197
    2 50,281 283 198
    3 50,564 284 199
    4 50,848 286 200
    5 51,134 287 201
    6 51,421 289 202
    7 51,710 291 203
    8 52,000 292 205
    9 52,293 294 206
    10 52,587 296 207
    11 52,882 297 208
    12 53,179 299 209
    13 53,478 301 210
    14 53,779 302 212
    15 54,081 304 213
    16 54,385 306 214
    17 54,691 307 215
    18 54,998 309 216
    19 55,307 311 218
    20 55,618 313 219
    TOTAL $5,930 $4,151

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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

    Last change: ↑0.06% on June 24.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.20% on April 9.

    Last change: ↑0.34% on May 27.
    Warning: Early Withdrawal Penalty is 180 days interest.

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    Last Update on July 6, 2025

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