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Comparison of Deposit Account from LEGACY COMMUNITY with 0.15% - November 2026


Long-Term Analysis of ACCESS COMMUNITY with 0.60% APY and ACCESS COMMUNITY with 0.50% APY and LEGACY COMMUNITY with 0.10% APY and LEGACY COMMUNITY with 0.30% APY and LEGACY COMMUNITY with 0.15% APY and SOCIAL SECURITY with 0.35% APY and O'NEAL with 0.10% APY and BLUE with 3.05% APY and BLUE with 2.85% APY and CHANGING SEASONS with 0.30% APY and CHANGING SEASONS with 0.10% APY and AMARILLO COMMUNITY with 0.55% APY and FIRST ABILENE with 0.30% APY and FIRST CENTRAL with 0.30% APY and ALTRA with 0.50% APY and ALTRA with 0.65% APY and ALTRA with 0.40% APY and ALTRA with 0.70% APY and UNITED with 0.30% APY and EDUCATION FIRST with 0.20% APY and EDUCATION FIRST with 0.35% APY and EDUCATION FIRST with 0.40% APY and EDUCATION FIRST with 0.10% APY and EDUCATION FIRST with 0.65% APY and EDUCATION FIRST with 0.40% APY and WELLSPRING with 0.60% APY and WELLSPRING with 0.62% APY and WELLSPRING with 0.72% APY and WELLSPRING with 0.82% APY and WELLSPRING with 0.97% APY and WELLSPRING with 0.45% APY and WELLSPRING with 1.16% APY and WELLSPRING with 0.25% APY and VALLEY with 0.60% APY and VALLEY with 0.25% APY and FIREFIGHTERS with 0.25% APY and FIREFIGHTERS with 0.15% APY and FIREFIGHTERS with 0.05% APY and ALTRA with 0.10% APY and LANDMARK with 3.75% 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
    ACCESS COMMUNITY
    0.60%
    -
    $50,000
    18 Month
    Credit Union
    1.03x (National Avg. - 0.58%)
    $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
  • 2
    LOCAL CD
    ACCESS COMMUNITY
    0.50%
    -
    $50,000
    6 Month
    Credit Union
    1.23x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 3
    LOCAL MONEY MARKET
    LEGACY COMMUNITY
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.25x (National Avg. - 0.41%)
    $2,500
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 4
    LOCAL MONEY MARKET
    LEGACY COMMUNITY
    0.30%
    -
    $50,000
    N.A.
    Credit Union
    0.74x (National Avg. - 0.41%)
    $25,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 5
    LOCAL SAVINGS
    LEGACY COMMUNITY
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    0.64x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 6
    LOCAL MONEY MARKET
    SOCIAL SECURITY
    0.35%
    -
    $50,000
    N.A.
    Credit Union
    1.50x (National Avg. - 0.23%)
    $25,000
     
    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
  • 7
    LOCAL SAVINGS
    O'NEAL
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.43x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 8
    LOCAL CD
    BLUE
    3.05%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    3.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,525 1,068
    2 51,525 1,572 1,100
    3 53,097 1,619 1,134
    4 54,716 1,669 1,168
    5 56,385 1,720 1,204
    6 58,105 1,772 1,241
    7 59,877 1,826 1,278
    8 61,703 1,882 1,317
    9 63,585 1,939 1,358
    10 65,524 1,998 1,399
    11 67,523 2,059 1,442
    12 69,582 2,122 1,486
    13 71,704 2,187 1,531
    14 73,891 2,254 1,578
    15 76,145 2,322 1,626
    16 78,468 2,393 1,675
    17 80,861 2,466 1,726
    18 83,327 2,541 1,779
    19 85,869 2,619 1,833
    20 88,488 2,699 1,889
    TOTAL $41,186 $28,830
  • 9
    LOCAL CD
    BLUE
    2.85%
    -
    $50,000
    36 Month
    Credit Union
    3.75x (National Avg. - 0.76%)
    $1,001
     
    SCENARIO
    Year Rate
    2.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,425 998
    2 51,425 1,466 1,026
    3 52,891 1,507 1,055
    4 54,398 1,550 1,085
    5 55,948 1,595 1,116
    6 57,543 1,640 1,148
    7 59,183 1,687 1,181
    8 60,870 1,735 1,214
    9 62,604 1,784 1,249
    10 64,389 1,835 1,285
    11 66,224 1,887 1,321
    12 68,111 1,941 1,359
    13 70,052 1,996 1,398
    14 72,049 2,053 1,437
    15 74,102 2,112 1,478
    16 76,214 2,172 1,520
    17 78,386 2,234 1,564
    18 80,620 2,298 1,608
    19 82,918 2,363 1,654
    20 85,281 2,431 1,701
    TOTAL $37,711 $26,398
  • 10
    LOCAL MONEY MARKET
    CHANGING SEASONS
    0.30%
    -
    $50,000
    N.A.
    Credit Union
    0.39x (National Avg. - 0.76%)
    $10,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 11
    LOCAL SAVINGS
    CHANGING SEASONS
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.43x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 12
    LOCAL CD
    AMARILLO COMMUNITY
    0.55%
    -
    $50,000
    6 Month
    Credit Union
    1.36x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 275 193
    2 50,275 277 194
    3 50,552 278 195
    4 50,830 280 196
    5 51,109 281 197
    6 51,390 283 198
    7 51,673 284 199
    8 51,957 286 200
    9 52,243 287 201
    10 52,530 289 202
    11 52,819 291 203
    12 53,110 292 204
    13 53,402 294 206
    14 53,695 295 207
    15 53,991 297 208
    16 54,288 299 209
    17 54,586 300 210
    18 54,886 302 211
    19 55,188 304 212
    20 55,492 305 214
    TOTAL $5,797 $4,058
  • 13
    LOCAL CD
    FIRST ABILENE
    0.30%
    -
    $50,000
    6 Month
    Credit Union
    0.74x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 14
    LOCAL CD
    FIRST CENTRAL
    0.30%
    -
    $50,000
    6 Month
    Credit Union
    0.74x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 15
    LOCAL CD
    ALTRA
    0.50%
    -
    $50,000
    18 Month
    Credit Union
    0.86x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 16
    LOCAL CD
    ALTRA
    0.65%
    -
    $50,000
    48 Month
    Credit Union
    0.79x (National Avg. - 0.82%)
    $10,000
     
    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
  • 17
    LOCAL CD
    ALTRA
    0.40%
    -
    $50,000
    6 Month
    Credit Union
    0.99x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 18
    LOCAL CD
    ALTRA
    0.70%
    -
    $50,000
    60 Month
    Credit Union
    0.75x (National Avg. - 0.93%)
    $10,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240
  • 19
    LOCAL CD
    UNITED
    0.30%
    -
    $50,000
    6 Month
    Credit Union
    0.74x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 20
    LOCAL CD
    EDUCATION FIRST
    0.20%
    -
    $50,000
    12 Month
    Credit Union
    0.36x (National Avg. - 0.55%)
    $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
  • 21
    LOCAL CD
    EDUCATION FIRST
    0.35%
    -
    $50,000
    24 Month
    Credit Union
    0.53x (National Avg. - 0.67%)
    $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
  • 22
    LOCAL CD
    EDUCATION FIRST
    0.40%
    -
    $50,000
    36 Month
    Credit Union
    0.53x (National Avg. - 0.76%)
    $100,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 23
    LOCAL CD
    EDUCATION FIRST
    0.10%
    -
    $50,000
    6 Month
    Credit Union
    0.25x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 24
    LOCAL CD
    EDUCATION FIRST
    0.65%
    -
    $50,000
    60 Month
    Credit Union
    0.70x (National Avg. - 0.93%)
    $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
  • 25
    LOCAL MONEY MARKET
    EDUCATION FIRST
    0.40%
    -
    $50,000
    N.A.
    Credit Union
    0.43x (National Avg. - 0.93%)
    $2,500
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 26
    LOCAL CD
    WELLSPRING
    0.60%
    -
    $50,000
    12 Month
    Credit Union
    1.09x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 301 211
    2 50,301 303 212
    3 50,604 305 213
    4 50,908 306 215
    5 51,215 308 216
    6 51,523 310 217
    7 51,833 312 218
    8 52,145 314 220
    9 52,459 316 221
    10 52,775 318 222
    11 53,093 320 224
    12 53,412 322 225
    13 53,734 323 226
    14 54,058 325 228
    15 54,383 327 229
    16 54,710 329 231
    17 55,040 331 232
    18 55,371 333 233
    19 55,704 335 235
    20 56,040 337 236
    TOTAL $6,377 $4,464
  • 27
    LOCAL CD
    WELLSPRING
    0.62%
    -
    $50,000
    18 Month
    Credit Union
    1.07x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.62%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 311 218
    2 50,311 313 219
    3 50,624 315 220
    4 50,939 317 222
    5 51,256 319 223
    6 51,574 321 225
    7 51,895 323 226
    8 52,218 325 227
    9 52,543 327 229
    10 52,870 329 230
    11 53,199 331 232
    12 53,529 333 233
    13 53,862 335 235
    14 54,197 337 236
    15 54,534 339 237
    16 54,874 341 239
    17 55,215 343 240
    18 55,558 346 242
    19 55,904 348 243
    20 56,252 350 245
    TOTAL $6,602 $4,621
  • 28
    LOCAL CD
    WELLSPRING
    0.72%
    -
    $50,000
    24 Month
    Credit Union
    1.08x (National Avg. - 0.67%)
    $100,000
     
    SCENARIO
    Year Rate
    0.72%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 361 253
    2 50,361 364 255
    3 50,725 366 256
    4 51,091 369 258
    5 51,460 372 260
    6 51,831 374 262
    7 52,205 377 264
    8 52,582 380 266
    9 52,962 382 268
    10 53,344 385 270
    11 53,730 388 272
    12 54,118 391 274
    13 54,508 394 275
    14 54,902 396 277
    15 55,298 399 279
    16 55,697 402 281
    17 56,100 405 284
    18 56,505 408 286
    19 56,913 411 288
    20 57,323 414 290
    TOTAL $7,737 $5,416
  • 29
    LOCAL CD
    WELLSPRING
    0.82%
    -
    $50,000
    36 Month
    Credit Union
    1.08x (National Avg. - 0.76%)
    $100,000
     
    SCENARIO
    Year Rate
    0.82%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 412 288
    2 50,412 415 290
    3 50,826 418 293
    4 51,245 422 295
    5 51,666 425 298
    6 52,092 429 300
    7 52,520 432 303
    8 52,953 436 305
    9 53,388 439 308
    10 53,828 443 310
    11 54,271 447 313
    12 54,717 450 315
    13 55,168 454 318
    14 55,622 458 320
    15 56,080 462 323
    16 56,541 465 326
    17 57,006 469 328
    18 57,476 473 331
    19 57,949 477 334
    20 58,426 481 337
    TOTAL $8,906 $6,234
  • 30
    LOCAL CD
    WELLSPRING
    0.97%
    -
    $50,000
    48 Month
    Credit Union
    1.18x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.97%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 487 341
    2 50,487 492 344
    3 50,979 497 348
    4 51,475 501 351
    5 51,977 506 354
    6 52,483 511 358
    7 52,994 516 361
    8 53,510 521 365
    9 54,031 526 368
    10 54,558 531 372
    11 55,089 537 376
    12 55,626 542 379
    13 56,167 547 383
    14 56,715 552 387
    15 57,267 558 390
    16 57,825 563 394
    17 58,388 569 398
    18 58,957 574 402
    19 59,531 580 406
    20 60,111 585 410
    TOTAL $10,696 $7,487
  • 31
    LOCAL CD
    WELLSPRING
    0.45%
    -
    $50,000
    6 Month
    Credit Union
    1.11x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 226 158
    2 50,226 227 159
    3 50,452 228 159
    4 50,680 229 160
    5 50,908 230 161
    6 51,138 231 161
    7 51,368 232 162
    8 51,600 233 163
    9 51,833 234 164
    10 52,067 235 164
    11 52,301 236 165
    12 52,537 237 166
    13 52,774 238 167
    14 53,012 239 167
    15 53,251 240 168
    16 53,491 241 169
    17 53,733 242 170
    18 53,975 243 170
    19 54,218 245 171
    20 54,463 246 172
    TOTAL $4,709 $3,296
  • 32
    LOCAL CD
    WELLSPRING
    1.16%
    -
    $50,000
    60 Month
    Credit Union
    1.24x (National Avg. - 0.93%)
    $100,000
     
    SCENARIO
    Year Rate
    1.16%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 578 405
    2 50,578 585 409
    3 51,163 591 414
    4 51,754 598 419
    5 52,352 605 424
    6 52,958 612 429
    7 53,570 619 433
    8 54,189 626 438
    9 54,815 634 444
    10 55,449 641 449
    11 56,090 648 454
    12 56,739 656 459
    13 57,394 663 464
    14 58,058 671 470
    15 58,729 679 475
    16 59,408 687 481
    17 60,095 695 486
    18 60,789 703 492
    19 61,492 711 498
    20 62,203 719 503
    TOTAL $12,922 $9,045
  • 33
    LOCAL MONEY MARKET
    WELLSPRING
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    0.27x (National Avg. - 0.93%)
    $2,500
     
    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
  • 34
    LOCAL CD
    VALLEY
    0.60%
    -
    $50,000
    18 Month
    Credit Union
    1.03x (National Avg. - 0.58%)
    $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
  • 35
    LOCAL CD
    VALLEY
    0.25%
    -
    $50,000
    6 Month
    Credit Union
    0.62x (National Avg. - 0.41%)
    $10,000
     
    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
  • 36
    LOCAL MONEY MARKET
    FIREFIGHTERS
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    0.62x (National Avg. - 0.41%)
    $10,000
     
    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
  • 37
    LOCAL MONEY MARKET
    FIREFIGHTERS
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    0.37x (National Avg. - 0.41%)
    $2,500
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 38
    LOCAL SAVINGS
    FIREFIGHTERS
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.21x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 39
    LOCAL MONEY MARKET
    ALTRA
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.43x (National Avg. - 0.23%)
    $10,000
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 40
    LOCAL MONEY MARKET
    LANDMARK
    3.75%
    -
    $50,000
    N.A.
    Credit Union
    16.03x (National Avg. - 0.23%)
    $100,000
     
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085

    All calculations are for demonstration purposes only.

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