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Comparison of Deposit Account from Luana Savings Bank with 3.68% - November 2025


Long-Term Analysis of First American Bank and Trust with 0.05% APY and MICHIGAN SCHOOLS AND GOVERNMENT with 0.15% APY and Luana Savings Bank with 3.68% 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 MONEY MARKET
    First American Bank and Trust
    0.05%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $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
  • 2
    LOCAL MONEY MARKET
    MICHIGAN SCHOOLS AND GOVERNMENT
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $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
  • 3
    LOCAL CD
    Luana Savings Bank
    3.68%
    -
    $50,000
    42 Month
    Bank
    N.A.
    $2,000
     
    SCENARIO
    Year Rate
    3.68%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,840 1,288
    2 51,840 1,908 1,335
    3 53,748 1,978 1,385
    4 55,726 2,051 1,435
    5 57,776 2,126 1,488
    6 59,902 2,204 1,543
    7 62,107 2,286 1,600
    8 64,392 2,370 1,659
    9 66,762 2,457 1,720
    10 69,219 2,547 1,783
    11 71,766 2,641 1,849
    12 74,407 2,738 1,917
    13 77,145 2,839 1,987
    14 79,984 2,943 2,060
    15 82,928 3,052 2,136
    16 85,979 3,164 2,215
    17 89,144 3,280 2,296
    18 92,424 3,401 2,381
    19 95,825 3,526 2,468
    20 99,352 3,656 2,559
    TOTAL $53,008 $37,105

    All calculations are for demonstration purposes only.

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