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Comparison of Deposit Account from JERSEY CENTRAL with 2.56% - November 2025


Long-Term Analysis of Bank of the James with 0.20% APY and JERSEY CENTRAL with 2.56% 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
    Bank of the James
    0.20%
    -
    $50,000
    24 Month
    Bank
    0.30x (National Avg. - 0.66%)
    $100,000
     
    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
    JERSEY CENTRAL
    2.56%
    -
    $50,000
    24 Month
    Credit Union
    3.88x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    2.56%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,280 896
    2 51,280 1,313 919
    3 52,593 1,346 942
    4 53,939 1,381 967
    5 55,320 1,416 991
    6 56,736 1,452 1,017
    7 58,189 1,490 1,043
    8 59,678 1,528 1,069
    9 61,206 1,567 1,097
    10 62,773 1,607 1,125
    11 64,380 1,648 1,154
    12 66,028 1,690 1,183
    13 67,718 1,734 1,214
    14 69,452 1,778 1,245
    15 71,230 1,823 1,276
    16 73,053 1,870 1,309
    17 74,924 1,918 1,343
    18 76,842 1,967 1,377
    19 78,809 2,018 1,412
    20 80,826 2,069 1,448
    TOTAL $32,895 $23,027

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑1.66% on April 4.

    Last change: ↑0.66% on February 4.
    No Penalty CD.

    Last change: ↓0.15% on September 23.

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↓0.05% on October 7.
    Early Withdrawal Penalty is 6 months interest.

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