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Comparison of Deposit Account from IDAHO CENTRAL with 0.90% - December 2025

Long-Term Analysis of IDAHO CENTRAL with 0.90% APY and TRULIANT with 2.34% 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

IDAHO CENTRAL

0.90%

$50,000

24 Month

Credit Union

1.36x (National Avg. - 0.66%)

$500

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

LOCAL CD

TRULIANT

2.34%

$50,000

3 Month

Credit Union

1.04x (National Avg. - 2.25%)

$250

SCENARIO

Year	Rate 2.34%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,170	819
2	51,170	1,197	838
3	52,367	1,225	858
4	53,593	1,254	878
5	54,847	1,283	898
6	56,130	1,313	919
7	57,444	1,344	941
8	58,788	1,376	963
9	60,164	1,408	985
10	61,571	1,441	1,009
11	63,012	1,474	1,032
12	64,487	1,509	1,056
13	65,996	1,544	1,081
14	67,540	1,580	1,106
15	69,120	1,617	1,132
16	70,738	1,655	1,159
17	72,393	1,694	1,186
18	74,087	1,734	1,214
19	75,821	1,774	1,242
20	77,595	1,816	1,271
	TOTAL	$29,411	$20,587

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.
Limelight Bank, A division of Capital Community Bank	4.20%	$1,000	Learn More
Last change: ↑0.05% on December 1.
Bread Savings, a division of Bread Financial	4.15%	$1,500	Learn More
Last change: ↓0.05% on December 1.
Limelight Bank, A division of Capital Community Bank	4.15%	$1,000	Learn More
Last change: ↑0.10% on December 1. Early Withdrawal Penalty is 90 days interest.
Total Bank, a division of City National Bank of Florida	4.10%	$25,000	Learn More
Last change: ↓0.15% on November 26.

Compare Savings vs. CDs Comparison of Deposit Account from IDAHO CENTRAL with 0.90% - December 2025

Long-Term Analysis of IDAHO CENTRAL with 0.90% APY and TRULIANT with 2.34% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from IDAHO CENTRAL with 0.90% - December 2025