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Comparison of Deposit Account from KELLY COMMUNITY with 1.06% - December 2025


Long-Term Analysis of Flint Community Bank with 0.65% APY and GREATER SPRINGFIELD with 2.83% APY and ALIGN with 3.10% APY and ALIGN with 1.35% APY and Union State Bank of Fargo with 0.35% APY and TOGETHER with 0.80% APY and FIRESTONE with 0.80% APY and KELLY COMMUNITY with 1.06% APY and R.I.A. with 0.60% APY and ALIGN with 0.25% 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
    LOCAL CD
    Flint Community Bank
    0.65%
    -
    $50,000
    36 Month
    Bank
    0.86x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842
  • 2
    LOCAL CD
    GREATER SPRINGFIELD
    2.83%
    -
    $50,000
    36 Month
    Credit Union
    3.76x (National Avg. - 0.75%)
    $1,000
     
    SCENARIO
    Year Rate
    2.83%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,415 991
    2 51,415 1,455 1,019
    3 52,870 1,496 1,047
    4 54,366 1,539 1,077
    5 55,905 1,582 1,107
    6 57,487 1,627 1,139
    7 59,114 1,673 1,171
    8 60,787 1,720 1,204
    9 62,507 1,769 1,238
    10 64,276 1,819 1,273
    11 66,095 1,870 1,309
    12 67,965 1,923 1,346
    13 69,889 1,978 1,384
    14 71,867 2,034 1,424
    15 73,901 2,091 1,464
    16 75,992 2,151 1,505
    17 78,143 2,211 1,548
    18 80,354 2,274 1,592
    19 82,628 2,338 1,637
    20 84,966 2,405 1,683
    TOTAL $37,371 $26,160
  • 3
    LOCAL CD
    ALIGN
    3.10%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $500
     
    SCENARIO
    Year Rate
    3.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,550 1,085
    2 51,550 1,598 1,119
    3 53,148 1,648 1,153
    4 54,796 1,699 1,189
    5 56,494 1,751 1,226
    6 58,246 1,806 1,264
    7 60,051 1,862 1,303
    8 61,913 1,919 1,344
    9 63,832 1,979 1,385
    10 65,811 2,040 1,428
    11 67,851 2,103 1,472
    12 69,954 2,169 1,518
    13 72,123 2,236 1,565
    14 74,359 2,305 1,614
    15 76,664 2,377 1,664
    16 79,041 2,450 1,715
    17 81,491 2,526 1,768
    18 84,017 2,605 1,823
    19 86,622 2,685 1,880
    20 89,307 2,769 1,938
    TOTAL $42,075 $29,453
  • 4
    LOCAL MONEY MARKET
    ALIGN
    1.35%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $50,000
     
    SCENARIO
    Year Rate
    1.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 675 473
    2 50,675 684 479
    3 51,359 693 485
    4 52,052 703 492
    5 52,755 712 499
    6 53,467 722 505
    7 54,189 732 512
    8 54,921 741 519
    9 55,662 751 526
    10 56,414 762 533
    11 57,175 772 540
    12 57,947 782 548
    13 58,729 793 555
    14 59,522 804 562
    15 60,326 814 570
    16 61,140 825 578
    17 61,966 837 586
    18 62,802 848 593
    19 63,650 859 601
    20 64,509 871 610
    TOTAL $15,380 $10,766
  • 5
    LOCAL CD
    Union State Bank of Fargo
    0.35%
    -
    $50,000
    6 Month
    Bank
    0.87x (National Avg. - 0.40%)
    $100,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 6
    LOCAL CD
    TOGETHER
    0.80%
    -
    $50,000
    18 Month
    Credit Union
    1.39x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 7
    LOCAL SAVINGS
    FIRESTONE
    0.80%
    -
    $50,000
    N.A.
    Credit Union
    3.54x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 8
    LOCAL CD
    KELLY COMMUNITY
    1.06%
    -
    $50,000
    18 Month
    Credit Union
    1.83x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    1.06%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 528 370
    2 50,528 534 374
    3 51,062 539 377
    4 51,601 545 381
    5 52,146 551 385
    6 52,696 556 390
    7 53,253 562 394
    8 53,815 568 398
    9 54,383 574 402
    10 54,958 580 406
    11 55,538 586 411
    12 56,125 593 415
    13 56,717 599 419
    14 57,316 605 424
    15 57,921 612 428
    16 58,533 618 433
    17 59,151 625 437
    18 59,776 631 442
    19 60,407 638 447
    20 61,045 645 451
    TOTAL $11,690 $8,183
  • 9
    LOCAL CD
    R.I.A.
    0.60%
    -
    $50,000
    6 Month
    Credit Union
    1.49x (National Avg. - 0.40%)
    $10,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 10
    LOCAL MONEY MARKET
    ALIGN
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    0.62x (National Avg. - 0.40%)
    $1
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792

    All calculations are for demonstration purposes only.

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