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Comparison of Deposit Account from Massena Savings and Loan with 3.23% - October 2025


Long-Term Analysis of Massena Savings and Loan with 3.23% APY and CITY with 3.25% 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
    Massena Savings and Loan
    3.23%
    -
    $50,000
    60 Month
    Bank
    3.51x (National Avg. - 0.92%)
    $1,000
     
    SCENARIO
    Year Rate
    3.23%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,615 1,131
    2 51,615 1,667 1,167
    3 53,282 1,721 1,205
    4 55,003 1,777 1,244
    5 56,780 1,834 1,284
    6 58,614 1,893 1,325
    7 60,507 1,954 1,368
    8 62,461 2,018 1,412
    9 64,479 2,083 1,458
    10 66,562 2,150 1,505
    11 68,711 2,219 1,554
    12 70,931 2,291 1,604
    13 73,222 2,365 1,656
    14 75,587 2,441 1,709
    15 78,028 2,520 1,764
    16 80,549 2,602 1,821
    17 83,150 2,686 1,880
    18 85,836 2,773 1,941
    19 88,609 2,862 2,003
    20 91,471 2,955 2,068
    TOTAL $44,425 $31,098
  • 2
    LOCAL CD
    CITY
    3.25%
    -
    $50,000
    48 Month
    Credit Union
    3.98x (National Avg. - 0.82%)
    $1,000
     
    SCENARIO
    Year Rate
    3.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,625 1,138
    2 51,625 1,678 1,174
    3 53,303 1,732 1,213
    4 55,035 1,789 1,252
    5 56,824 1,847 1,293
    6 58,671 1,907 1,335
    7 60,577 1,969 1,378
    8 62,546 2,033 1,423
    9 64,579 2,099 1,469
    10 66,678 2,167 1,517
    11 68,845 2,237 1,566
    12 71,082 2,310 1,617
    13 73,392 2,385 1,670
    14 75,778 2,463 1,724
    15 78,240 2,543 1,780
    16 80,783 2,625 1,838
    17 83,409 2,711 1,898
    18 86,119 2,799 1,959
    19 88,918 2,890 2,023
    20 91,808 2,984 2,089
    TOTAL $44,792 $31,354

    All calculations are for demonstration purposes only.

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