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Comparison of Deposit Account from HUGHES with 4.65% - August 2025


Long-Term Analysis of SILVER STATE SCHOOLS with 0.30% APY and HUGHES with 4.65% APY and HUGHES with 3.87% APY and COMMONWEALTH ONE with 4.13% 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
    SILVER STATE SCHOOLS
    0.30%
    -
    $50,000
    6 Month
    Credit Union
    0.73x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 2
    LOCAL CD
    HUGHES
    4.65%
    -
    $50,000
    29 Month
    Credit Union
    N.A.
    $50,000
     
    SCENARIO
    Year Rate
    4.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,325 1,628
    2 52,325 2,433 1,703
    3 54,758 2,546 1,782
    4 57,304 2,665 1,865
    5 59,969 2,789 1,952
    6 62,758 2,918 2,043
    7 65,676 3,054 2,138
    8 68,730 3,196 2,237
    9 71,926 3,345 2,341
    10 75,270 3,500 2,450
    11 78,770 3,663 2,564
    12 82,433 3,833 2,683
    13 86,266 4,011 2,808
    14 90,278 4,198 2,939
    15 94,476 4,393 3,075
    16 98,869 4,597 3,218
    17 103,466 4,811 3,368
    18 108,277 5,035 3,524
    19 113,312 5,269 3,688
    20 118,581 5,514 3,860
    TOTAL $74,095 $51,867
  • 3
    LOCAL CD
    HUGHES
    3.87%
    -
    $50,000
    12 Month
    Credit Union
    7.01x (National Avg. - 0.55%)
    $50,000
     
    SCENARIO
    Year Rate
    3.87%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,935 1,355
    2 51,935 2,010 1,407
    3 53,945 2,088 1,461
    4 56,033 2,168 1,518
    5 58,201 2,252 1,577
    6 60,453 2,340 1,638
    7 62,793 2,430 1,701
    8 65,223 2,524 1,767
    9 67,747 2,622 1,835
    10 70,369 2,723 1,906
    11 73,092 2,829 1,980
    12 75,921 2,938 2,057
    13 78,859 3,052 2,136
    14 81,911 3,170 2,219
    15 85,081 3,293 2,305
    16 88,373 3,420 2,394
    17 91,794 3,552 2,487
    18 95,346 3,690 2,583
    19 99,036 3,833 2,683
    20 102,869 3,981 2,787
    TOTAL $56,850 $39,795
  • 4
    LOCAL CD
    COMMONWEALTH ONE
    4.13%
    -
    $50,000
    60 Month
    Credit Union
    4.49x (National Avg. - 0.92%)
    $50,000
     
    SCENARIO
    Year Rate
    4.13%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,065 1,446
    2 52,065 2,150 1,505
    3 54,215 2,239 1,567
    4 56,454 2,332 1,632
    5 58,786 2,428 1,700
    6 61,214 2,528 1,770
    7 63,742 2,633 1,843
    8 66,374 2,741 1,919
    9 69,116 2,854 1,998
    10 71,970 2,972 2,081
    11 74,943 3,095 2,167
    12 78,038 3,223 2,256
    13 81,261 3,356 2,349
    14 84,617 3,495 2,446
    15 88,111 3,639 2,547
    16 91,750 3,789 2,653
    17 95,540 3,946 2,762
    18 99,485 4,109 2,876
    19 103,594 4,278 2,995
    20 107,873 4,455 3,119
    TOTAL $62,328 $43,629

    All calculations are for demonstration purposes only.

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