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Comparison of Deposit Account from MAGNIFI FINANCIAL with 3.30% - June 2025


Long-Term Analysis of Bank of the West with 0.10% APY and MAGNIFI FINANCIAL with 3.30% 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
    Bank of the West
    0.10%
    -
    $50,000
    12 Month
    Bank
    0.18x (National Avg. - 0.55%)
    $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
  • 2
    LOCAL CD
    MAGNIFI FINANCIAL
    3.30%
    -
    $50,000
    48 Month
    Credit Union
    4.04x (National Avg. - 0.82%)
    $25,000
     
    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

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.20% on April 9.

    Last change: ↑0.34% on May 27.
    Warning: Early Withdrawal Penalty is 180 days interest.

    Last change: ↑0.26% on April 9.
    Early Withdrawal Penalty is 6 months interest.

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