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Comparison of Deposit Account from INNOVATIONS with 0.20% - November 2026


Long-Term Analysis of INNOVATIONS with 0.20% APY and KRAFTCOR with 1.21% APY and Border Bank with 0.85% APY and NOVATION with 0.75% 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 SAVINGS
    INNOVATIONS
    0.20%
    -
    $50,000
    N.A.
    Credit Union
    0.85x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 2
    LOCAL CD
    KRAFTCOR
    1.21%
    -
    $50,000
    24 Month
    Credit Union
    1.81x (National Avg. - 0.67%)
    $1,000
     
    SCENARIO
    Year Rate
    1.21%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 603 422
    2 50,603 610 427
    3 51,212 617 432
    4 51,829 625 437
    5 52,454 632 442
    6 53,086 640 448
    7 53,726 647 453
    8 54,373 655 459
    9 55,028 663 464
    10 55,691 671 470
    11 56,362 679 475
    12 57,042 687 481
    13 57,729 696 487
    14 58,425 704 493
    15 59,129 712 499
    16 59,841 721 505
    17 60,562 730 511
    18 61,292 739 517
    19 62,031 747 523
    20 62,778 756 530
    TOTAL $13,534 $9,474
  • 3
    LOCAL CD
    Border Bank
    0.85%
    -
    $50,000
    48 Month
    Bank
    1.03x (National Avg. - 0.82%)
    $2,500
     
    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
  • 4
    LOCAL CD
    NOVATION
    0.75%
    -
    $50,000
    12 Month
    Credit Union
    1.36x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641

    All calculations are for demonstration purposes only.

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