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Comparison of Deposit Account from LAKE SUPERIOR with 0.25% - November 2025


Long-Term Analysis of LAKE SUPERIOR with 0.25% APY and SUNRISE FAMILY with 0.90% APY and The Farmers & Merchants State Bank with 1.17% 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
    LAKE SUPERIOR
    0.25%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $100,000
     
    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
  • 2
    LOCAL CD
    SUNRISE FAMILY
    0.90%
    -
    $50,000
    48 Month
    Credit Union
    1.10x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 3
    LOCAL CD
    The Farmers & Merchants State Bank
    1.17%
    -
    $50,000
    60 Month
    Bank
    1.27x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.17%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 585 410
    2 50,585 592 414
    3 51,177 599 419
    4 51,776 606 424
    5 52,381 613 429
    6 52,994 620 434
    7 53,614 627 439
    8 54,242 635 444
    9 54,876 642 449
    10 55,518 650 455
    11 56,168 657 460
    12 56,825 665 465
    13 57,490 673 471
    14 58,162 681 476
    15 58,843 688 482
    16 59,531 697 488
    17 60,228 705 493
    18 60,933 713 499
    19 61,646 721 505
    20 62,367 730 511
    TOTAL $13,096 $9,168

    All calculations are for demonstration purposes only.

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