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Comparison of Deposit Account from LINKAGE with 0.85% - November 2025

Long-Term Analysis of LINKAGE with 0.85% APY and MIDWEST AMERICA with 0.75% APY and MIDWEST AMERICA with 0.10% APY and JOLT with 0.90% APY and JOLT with 1.21% APY and JOLT with 0.33% APY and JOLT with 0.28% APY and JOLT with 0.08% APY and Lexicon Bank with 0.25% APY and BayCoast Bank with 0.20% APY and KOHLER with 0.20% APY and EMPOWER with 1.16% APY and TRULIANT with 2.45% APY and TRULIANT with 2.76% APY and TRULIANT with 3.20% APY and TRULIANT with 3.19% APY and TRULIANT with 3.24% APY and TRULIANT with 3.30% APY and TRULIANT with 2.03% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

LINKAGE

0.85%

$50,000

12 Month

Credit Union

1.55x (National Avg. - 0.55%)

$100,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL CD

MIDWEST AMERICA

0.75%

$50,000

60 Month

Credit Union

0.82x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL SAVINGS

MIDWEST AMERICA

0.10%

$50,000

N.A.

Credit Union

0.45x (National Avg. - 0.22%)

$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

LOCAL CD

JOLT

0.90%

$50,000

12 Month

Credit Union

1.64x (National Avg. - 0.55%)

$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

LOCAL CD

JOLT

1.21%

$50,000

24 Month

Credit Union

1.84x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 1.21%	Annual Interest	Annual Interest (After Tax)
1	50,000	605	424
2	50,605	612	429
3	51,217	620	434
4	51,837	627	439
5	52,464	635	444
6	53,099	642	450
7	53,742	650	455
8	54,392	658	461
9	55,050	666	466
10	55,716	674	472
11	56,390	682	478
12	57,073	691	483
13	57,763	699	489
14	58,462	707	495
15	59,170	716	501
16	59,885	725	507
17	60,610	733	513
18	61,343	742	520
19	62,086	751	526
20	62,837	760	532
	TOTAL	$13,597	$9,518

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

LOCAL MONEY MARKET

JOLT

0.28%

$50,000

N.A.

Credit Union

0.42x (National Avg. - 0.66%)

$2,500

SCENARIO

Year	Rate 0.28%	Annual Interest	Annual Interest (After Tax)
1	50,000	138	96
2	50,138	138	97
3	50,275	138	97
4	50,414	139	97
5	50,552	139	97
6	50,691	139	98
7	50,831	140	98
8	50,970	140	98
9	51,111	141	98
10	51,251	141	99
11	51,392	141	99
12	51,533	142	99
13	51,675	142	99
14	51,817	142	100
15	51,960	143	100
16	52,103	143	100
17	52,246	144	101
18	52,390	144	101
19	52,534	144	101
20	52,678	145	101
	TOTAL	$2,823	$1,976

LOCAL SAVINGS

JOLT

0.08%

$50,000

N.A.

Credit Union

0.34x (National Avg. - 0.22%)

$2,500

SCENARIO

Year	Rate 0.08%	Annual Interest	Annual Interest (After Tax)
1	50,000	38	26
2	50,038	38	26
3	50,075	38	26
4	50,113	38	26
5	50,150	38	26
6	50,188	38	26
7	50,225	38	26
8	50,263	38	26
9	50,301	38	26
10	50,339	38	26
11	50,376	38	26
12	50,414	38	26
13	50,452	38	26
14	50,490	38	27
15	50,528	38	27
16	50,565	38	27
17	50,603	38	27
18	50,641	38	27
19	50,679	38	27
20	50,717	38	27
	TOTAL	$755	$529

LOCAL CD

Lexicon Bank

0.25%

$50,000

6 Month

Bank

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

N.A.

BayCoast Bank

0.20%

$50,000

N.A.

Bank

0.49x (National Avg. - 0.41%)

$250,000

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

LOCAL MONEY MARKET

KOHLER

0.20%

$50,000

N.A.

Credit Union

0.49x (National Avg. - 0.41%)

$10,000

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

LOCAL CD

EMPOWER

1.16%

$50,000

60 Month

Credit Union

1.26x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 1.16%	Annual Interest	Annual Interest (After Tax)
1	50,000	580	406
2	50,580	587	411
3	51,167	594	415
4	51,760	600	420
5	52,361	607	425
6	52,968	614	430
7	53,582	622	435
8	54,204	629	440
9	54,833	636	445
10	55,469	643	450
11	56,112	651	456
12	56,763	658	461
13	57,422	666	466
14	58,088	674	472
15	58,762	682	477
16	59,443	690	483
17	60,133	698	488
18	60,830	706	494
19	61,536	714	500
20	62,250	722	505
	TOTAL	$12,972	$9,080

LOCAL CD

TRULIANT

2.45%

$50,000

3 Month

Credit Union

1.09x (National Avg. - 2.24%)

$25,000

SCENARIO

Year	Rate 2.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,225	858
2	51,225	1,255	879
3	52,480	1,286	900
4	53,766	1,317	922
5	55,083	1,350	945
6	56,433	1,383	968
7	57,815	1,416	992
8	59,232	1,451	1,016
9	60,683	1,487	1,041
10	62,170	1,523	1,066
11	63,693	1,560	1,092
12	65,253	1,599	1,119
13	66,852	1,638	1,147
14	68,490	1,678	1,175
15	70,168	1,719	1,203
16	71,887	1,761	1,233
17	73,648	1,804	1,263
18	75,452	1,849	1,294
19	77,301	1,894	1,326
20	79,195	1,940	1,358
	TOTAL	$31,135	$21,795

LOCAL CD

TRULIANT

2.76%

$50,000

14 Month

Credit Union

N.A.

$100,000

SCENARIO

Year	Rate 2.76%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,380	966
2	51,380	1,418	993
3	52,798	1,457	1,020
4	54,255	1,497	1,048
5	55,753	1,539	1,077
6	57,292	1,581	1,107
7	58,873	1,625	1,137
8	60,498	1,670	1,169
9	62,167	1,716	1,201
10	63,883	1,763	1,234
11	65,646	1,812	1,268
12	67,458	1,862	1,303
13	69,320	1,913	1,339
14	71,233	1,966	1,376
15	73,199	2,020	1,414
16	75,220	2,076	1,453
17	77,296	2,133	1,493
18	79,429	2,192	1,535
19	81,621	2,253	1,577
20	83,874	2,315	1,620
	TOTAL	$36,189	$25,332

LOCAL CD

TRULIANT

3.20%

$50,000

24 Month

Credit Union

4.86x (National Avg. - 0.66%)

$25,000

SCENARIO

Year	Rate 3.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,600	1,120
2	51,600	1,651	1,156
3	53,251	1,704	1,193
4	54,955	1,759	1,231
5	56,714	1,815	1,270
6	58,529	1,873	1,311
7	60,402	1,933	1,353
8	62,334	1,995	1,396
9	64,329	2,059	1,441
10	66,388	2,124	1,487
11	68,512	2,192	1,535
12	70,704	2,263	1,584
13	72,967	2,335	1,634
14	75,302	2,410	1,687
15	77,712	2,487	1,741
16	80,198	2,566	1,796
17	82,765	2,648	1,854
18	85,413	2,733	1,913
19	88,146	2,821	1,974
20	90,967	2,911	2,038
	TOTAL	$43,878	$30,715

LOCAL CD

TRULIANT

3.19%

$50,000

48 Month

Credit Union

3.91x (National Avg. - 0.82%)

$250

SCENARIO

Year	Rate 3.19%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,595	1,117
2	51,595	1,646	1,152
3	53,241	1,698	1,189
4	54,939	1,753	1,227
5	56,692	1,808	1,266
6	58,500	1,866	1,306
7	60,366	1,926	1,348
8	62,292	1,987	1,391
9	64,279	2,051	1,435
10	66,330	2,116	1,481
11	68,446	2,183	1,528
12	70,629	2,253	1,577
13	72,882	2,325	1,627
14	75,207	2,399	1,679
15	77,606	2,476	1,733
16	80,082	2,555	1,788
17	82,636	2,636	1,845
18	85,273	2,720	1,904
19	87,993	2,807	1,965
20	90,800	2,897	2,028
	TOTAL	$43,696	$30,587

LOCAL CD

TRULIANT

3.24%

$50,000

60 Month

Credit Union

3.52x (National Avg. - 0.92%)

$250

SCENARIO

Year	Rate 3.24%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,620	1,134
2	51,620	1,672	1,171
3	53,292	1,727	1,209
4	55,019	1,783	1,248
5	56,802	1,840	1,288
6	58,642	1,900	1,330
7	60,542	1,962	1,373
8	62,504	2,025	1,418
9	64,529	2,091	1,464
10	66,620	2,158	1,511
11	68,778	2,228	1,560
12	71,006	2,301	1,610
13	73,307	2,375	1,663
14	75,682	2,452	1,716
15	78,134	2,532	1,772
16	80,666	2,614	1,830
17	83,279	2,698	1,889
18	85,978	2,786	1,950
19	88,763	2,876	2,013
20	91,639	2,969	2,078
	TOTAL	$44,608	$31,226

LOCAL CD

TRULIANT

3.30%

$50,000

60 Month

Credit Union

3.59x (National Avg. - 0.92%)

$5,000

SCENARIO

Year	Rate 3.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,650	1,155
2	51,650	1,704	1,193
3	53,354	1,761	1,232
4	55,115	1,819	1,273
5	56,934	1,879	1,315
6	58,813	1,941	1,359
7	60,754	2,005	1,403
8	62,758	2,071	1,450
9	64,829	2,139	1,498
10	66,969	2,210	1,547
11	69,179	2,283	1,598
12	71,462	2,358	1,651
13	73,820	2,436	1,705
14	76,256	2,516	1,762
15	78,772	2,599	1,820
16	81,372	2,685	1,880
17	84,057	2,774	1,942
18	86,831	2,865	2,006
19	89,697	2,960	2,072
20	92,657	3,058	2,140
	TOTAL	$45,714	$32,000

LOCAL MONEY MARKET

TRULIANT

2.03%

$50,000

N.A.

Credit Union

2.21x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 2.03%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,015	711
2	51,015	1,036	725
3	52,051	1,057	740
4	53,107	1,078	755
5	54,185	1,100	770
6	55,285	1,122	786
7	56,408	1,145	802
8	57,553	1,168	818
9	58,721	1,192	834
10	59,913	1,216	851
11	61,129	1,241	869
12	62,370	1,266	886
13	63,636	1,292	904
14	64,928	1,318	923
15	66,246	1,345	941
16	67,591	1,372	960
17	68,963	1,400	980
18	70,363	1,428	1,000
19	71,791	1,457	1,020
20	73,249	1,487	1,041
	TOTAL	$24,736	$17,315

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Ivy Bank, a division of Cambridge Savings Bank	4.35%	$1,000	Learn More
Last change: ↑2.35% on September 16.
Climate First Bank	4.34%	$500	Learn More
Last change: ↑1.66% on April 4.
Climate First Bank	4.34%	$500	Learn More
Last change: ↑0.66% on February 4. No Penalty CD.
Finworth, a division of InsBank	4.30%	$50,000	Learn More
Last change: ↓0.15% on September 23.
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.

Compare Savings vs. CDs Comparison of Deposit Account from LINKAGE with 0.85% - November 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from LINKAGE with 0.85% - November 2025