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Comparison of Deposit Account from InsBank with 2.38% - November 2026


Long-Term Analysis of GENISYS with 3.85% APY and InsBank with 2.38% 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
    GENISYS
    3.85%
    -
    $50,000
    12 Month
    Credit Union
    6.95x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    3.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,925 1,348
    2 51,925 1,999 1,399
    3 53,924 2,076 1,453
    4 56,000 2,156 1,509
    5 58,156 2,239 1,567
    6 60,395 2,325 1,628
    7 62,720 2,415 1,690
    8 65,135 2,508 1,755
    9 67,643 2,604 1,823
    10 70,247 2,705 1,893
    11 72,952 2,809 1,966
    12 75,760 2,917 2,042
    13 78,677 3,029 2,120
    14 81,706 3,146 2,202
    15 84,852 3,267 2,287
    16 88,119 3,393 2,375
    17 91,511 3,523 2,466
    18 95,034 3,659 2,561
    19 98,693 3,800 2,660
    20 102,493 3,946 2,762
    TOTAL $56,439 $39,507
  • 2
    ONLINE MONEY MARKET
    InsBank
    2.38%
    -
    $50,000
    N.A.
    Bank
    4.30x (National Avg. - 0.55%)
    $50,000
     
    SCENARIO
    Year Rate
    2.38%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,190 833
    2 51,190 1,218 853
    3 52,408 1,247 873
    4 53,656 1,277 894
    5 54,933 1,307 915
    6 56,240 1,339 937
    7 57,579 1,370 959
    8 58,949 1,403 982
    9 60,352 1,436 1,005
    10 61,788 1,471 1,029
    11 63,259 1,506 1,054
    12 64,764 1,541 1,079
    13 66,306 1,578 1,105
    14 67,884 1,616 1,131
    15 69,500 1,654 1,158
    16 71,154 1,693 1,185
    17 72,847 1,734 1,214
    18 74,581 1,775 1,243
    19 76,356 1,817 1,272
    20 78,173 1,861 1,302
    TOTAL $30,034 $21,024

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑0.05% on October 8.
    Early Withdrawal Penalty is 730 days interest.

    Last change: ↑0.10% on October 8.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.81% on April 27.

    Last change: ↑0.80% on April 27.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↑0.78% on April 27.
    Early Withdrawal Penalty is 90 days interest.

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