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Comparison of Deposit Account from Marine Bank & Trust Company with 0.75% - June 2025


Long-Term Analysis of BEACH MUNICIPAL with 1.29% APY and Marine Bank & Trust Company with 0.75% 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.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    BEACH MUNICIPAL
    1.29%
    -
    $50,000
    60 Month
    Credit Union
    1.40x (National Avg. - 0.92%)
    $500
     
    SCENARIO
    Year Rate
    1.29%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 645 452
    2 50,645 653 457
    3 51,298 662 463
    4 51,960 670 469
    5 52,630 679 475
    6 53,309 688 481
    7 53,997 697 488
    8 54,694 706 494
    9 55,399 715 500
    10 56,114 724 507
    11 56,838 733 513
    12 57,571 743 520
    13 58,313 752 527
    14 59,066 762 533
    15 59,828 772 540
    16 60,599 782 547
    17 61,381 792 554
    18 62,173 802 561
    19 62,975 812 569
    20 63,787 823 576
    TOTAL $14,610 $10,227
  • 2
    LOCAL CD
    Marine Bank & Trust Company
    0.75%
    -
    $50,000
    18 Month
    Bank
    1.29x (National Avg. - 0.58%)
    $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

    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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