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Comparison of Deposit Account from IncredibleBank with 3.03% - May 2025


Long-Term Analysis of Salem Five Direct with 4.00% APY and IncredibleBank with 3.03% APY and GEORGIA'S OWN with 4.67% APY and COMMUNITYAMERICA with 0.40% APY and Unified Bank with 0.01% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    ONLINE CD
    Salem Five Direct
    4.00%
    -
    $50,000
    18 Month
    Online Bank
    6.90x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689
  • 2
    ONLINE CD
    IncredibleBank
    3.03%
    -
    $50,000
    30 Month
    Online Bank
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    3.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,515 1,061
    2 51,515 1,561 1,093
    3 53,076 1,608 1,126
    4 54,684 1,657 1,160
    5 56,341 1,707 1,195
    6 58,048 1,759 1,231
    7 59,807 1,812 1,269
    8 61,619 1,867 1,307
    9 63,486 1,924 1,347
    10 65,410 1,982 1,387
    11 67,392 2,042 1,429
    12 69,434 2,104 1,473
    13 71,538 2,168 1,517
    14 73,705 2,233 1,563
    15 75,938 2,301 1,611
    16 78,239 2,371 1,659
    17 80,610 2,442 1,710
    18 83,053 2,516 1,762
    19 85,569 2,593 1,815
    20 88,162 2,671 1,870
    TOTAL $40,833 $28,583
  • 3
    LOCAL CD
    GEORGIA'S OWN
    4.67%
    -
    $50,000
    6 Month
    Credit Union
    11.47x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    4.67%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,335 1,635
    2 52,335 2,444 1,711
    3 54,779 2,558 1,791
    4 57,337 2,678 1,874
    5 60,015 2,803 1,962
    6 62,818 2,934 2,054
    7 65,751 3,071 2,149
    8 68,822 3,214 2,250
    9 72,036 3,364 2,355
    10 75,400 3,521 2,465
    11 78,921 3,686 2,580
    12 82,607 3,858 2,700
    13 86,464 4,038 2,827
    14 90,502 4,226 2,959
    15 94,729 4,424 3,097
    16 99,152 4,630 3,241
    17 103,783 4,847 3,393
    18 108,630 5,073 3,551
    19 113,703 5,310 3,717
    20 119,012 5,558 3,891
    TOTAL $74,570 $52,199
  • 4
    LOCAL MONEY MARKET
    COMMUNITYAMERICA
    0.40%
    -
    $50,000
    N.A.
    Credit Union
    0.98x (National Avg. - 0.41%)
    $50,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 5
    LOCAL SAVINGS
    Unified Bank
    0.01%
    -
    $50,000
    N.A.
    Bank
    0.04x (National Avg. - 0.22%)
    $100
     
    SCENARIO
    Year Rate
    0.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 5 4
    2 50,005 5 4
    3 50,010 5 4
    4 50,015 5 4
    5 50,020 5 4
    6 50,025 5 4
    7 50,030 5 4
    8 50,035 5 4
    9 50,040 5 4
    10 50,045 5 4
    11 50,050 5 4
    12 50,055 5 4
    13 50,060 5 4
    14 50,065 5 4
    15 50,070 5 4
    16 50,075 5 4
    17 50,080 5 4
    18 50,085 5 4
    19 50,090 5 4
    20 50,095 5 4
    TOTAL $100 $70

    All calculations are for demonstration purposes only.

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