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Comparison of Deposit Account from JOLT with 0.33% - June 2025

Long-Term Analysis of Sandy Spring Bank with 3.00% APY and Laurens State Bank with 1.15% APY and CENLA with 1.26% APY and JOLT with 0.33% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

Sandy Spring Bank

3.00%

$50,000

13 Month

Bank

N.A.

$5,000

SCENARIO

Year	Rate 3.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,500	1,050
2	51,500	1,545	1,082
3	53,045	1,591	1,114
4	54,636	1,639	1,147
5	56,275	1,688	1,182
6	57,964	1,739	1,217
7	59,703	1,791	1,254
8	61,494	1,845	1,291
9	63,339	1,900	1,330
10	65,239	1,957	1,370
11	67,196	2,016	1,411
12	69,212	2,076	1,453
13	71,288	2,139	1,497
14	73,427	2,203	1,542
15	75,629	2,269	1,588
16	77,898	2,337	1,636
17	80,235	2,407	1,685
18	82,642	2,479	1,735
19	85,122	2,554	1,788
20	87,675	2,630	1,841
	TOTAL	$40,306	$28,214

LOCAL CD

Laurens State Bank

1.15%

$50,000

60 Month

Bank

1.25x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 1.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	575	403
2	50,575	582	407
3	51,157	588	412
4	51,745	595	417
5	52,340	602	421
6	52,942	609	426
7	53,551	616	431
8	54,167	623	436
9	54,789	630	441
10	55,420	637	446
11	56,057	645	451
12	56,702	652	456
13	57,354	660	462
14	58,013	667	467
15	58,680	675	472
16	59,355	683	478
17	60,038	690	483
18	60,728	698	489
19	61,427	706	494
20	62,133	715	500
	TOTAL	$12,847	$8,993

LOCAL CD

CENLA

1.26%

$50,000

24 Month

Credit Union

1.91x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 1.26%	Annual Interest	Annual Interest (After Tax)
1	50,000	630	441
2	50,630	638	447
3	51,268	646	452
4	51,914	654	458
5	52,568	662	464
6	53,230	671	469
7	53,901	679	475
8	54,580	688	481
9	55,268	696	487
10	55,964	705	494
11	56,669	714	500
12	57,384	723	506
13	58,107	732	512
14	58,839	741	519
15	59,580	751	525
16	60,331	760	532
17	61,091	770	539
18	61,861	779	546
19	62,640	789	552
20	63,429	799	559
	TOTAL	$14,229	$9,960

LOCAL MONEY MARKET

JOLT

0.33%

$50,000

N.A.

Credit Union

0.49x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.33%	Annual Interest	Annual Interest (After Tax)
1	50,000	163	114
2	50,163	163	114
3	50,326	164	114
4	50,489	164	115
5	50,653	165	115
6	50,818	165	116
7	50,983	166	116
8	51,149	166	116
9	51,315	167	117
10	51,482	167	117
11	51,649	168	118
12	51,817	168	118
13	51,985	169	118
14	52,154	170	119
15	52,324	170	119
16	52,494	171	119
17	52,664	171	120
18	52,836	172	120
19	53,007	172	121
20	53,179	173	121
	TOTAL	$3,352	$2,347

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
Rising Bank, a division of Midwest BankCentre	4.51%	$1,000	Learn More
Last change: ↑0.06% on June 24.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
First Internet Bank of Indiana	4.49%	$1,000	Learn More
Last change: ↑0.34% on May 27. Warning: Early Withdrawal Penalty is 180 days interest.

Compare Savings vs. CDs Comparison of Deposit Account from JOLT with 0.33% - June 2025

Long-Term Analysis of Sandy Spring Bank with 3.00% APY and Laurens State Bank with 1.15% APY and CENLA with 1.26% APY and JOLT with 0.33% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from JOLT with 0.33% - June 2025