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Comparison of Deposit Account from ILLINOIS STATE with 0.85% - May 2025


Long-Term Analysis of ILLINOIS STATE with 0.85% APY and TOPLINE with 1.13% 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 MONEY MARKET
    ILLINOIS STATE
    0.85%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $25,000
     
    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
    TOPLINE
    1.13%
    -
    $50,000
    36 Month
    Credit Union
    1.50x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.13%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 565 396
    2 50,565 571 400
    3 51,136 578 404
    4 51,714 584 409
    5 52,299 591 414
    6 52,890 598 418
    7 53,487 604 423
    8 54,092 611 428
    9 54,703 618 433
    10 55,321 625 438
    11 55,946 632 443
    12 56,578 639 448
    13 57,218 647 453
    14 57,864 654 458
    15 58,518 661 463
    16 59,179 669 468
    17 59,848 676 473
    18 60,524 684 479
    19 61,208 692 484
    20 61,900 699 490
    TOTAL $12,599 $8,820

    All calculations are for demonstration purposes only.

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