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Comparison of Deposit Account from MCCOY with 1.61% - December 2025

Long-Term Analysis of MCCOY with 1.61% APY and MCCOY with 2.99% APY and CINCINNATI INTERAGENCY with 0.25% APY and MCCOY with 1.82% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

MCCOY

1.61%

$50,000

12 Month

Credit Union

2.94x (National Avg. - 0.55%)

$1,000

SCENARIO

Year	Rate 1.61%	Annual Interest	Annual Interest (After Tax)
1	50,000	806	564
2	50,806	819	573
3	51,625	832	583
4	52,457	846	592
5	53,303	859	601
6	54,162	873	611
7	55,035	887	621
8	55,922	901	631
9	56,824	916	641
10	57,740	931	652
11	58,671	946	662
12	59,616	961	673
13	60,577	977	684
14	61,554	992	695
15	62,546	1,008	706
16	63,554	1,024	717
17	64,579	1,041	729
18	65,620	1,058	740
19	66,678	1,075	752
20	67,752	1,092	765
	TOTAL	$18,845	$13,191

LOCAL CD

MCCOY

2.99%

$50,000

60 Month

Credit Union

3.24x (National Avg. - 0.92%)

$5,000

SCENARIO

Year	Rate 2.99%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,495	1,047
2	51,495	1,540	1,078
3	53,035	1,586	1,110
4	54,620	1,633	1,143
5	56,254	1,682	1,177
6	57,936	1,732	1,213
7	59,668	1,784	1,249
8	61,452	1,837	1,286
9	63,289	1,892	1,325
10	65,182	1,949	1,364
11	67,131	2,007	1,405
12	69,138	2,067	1,447
13	71,205	2,129	1,490
14	73,334	2,193	1,535
15	75,527	2,258	1,581
16	77,785	2,326	1,628
17	80,111	2,395	1,677
18	82,506	2,467	1,727
19	84,973	2,541	1,778
20	87,514	2,617	1,832
	TOTAL	$40,130	$28,091

LOCAL CD

CINCINNATI INTERAGENCY

0.25%

$50,000

60 Month

Credit Union

0.27x (National Avg. - 0.92%)

$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

LOCAL CD

MCCOY

1.82%

$50,000

12 Month

Credit Union

3.31x (National Avg. - 0.55%)

$25,000

SCENARIO

Year	Rate 1.82%	Annual Interest	Annual Interest (After Tax)
1	50,000	908	635
2	50,908	924	647
3	51,831	941	659
4	52,772	958	670
5	53,730	975	683
6	54,705	993	695
7	55,698	1,011	708
8	56,709	1,029	720
9	57,738	1,048	734
10	58,786	1,067	747
11	59,853	1,086	760
12	60,940	1,106	774
13	62,046	1,126	788
14	63,172	1,147	803
15	64,318	1,167	817
16	65,486	1,189	832
17	66,674	1,210	847
18	67,884	1,232	862
19	69,117	1,254	878
20	70,371	1,277	894
	TOTAL	$21,648	$15,154

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
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.
Finworth, a division of InsBank	4.20%	$50,000	Learn More
Last change: ↑0.20% on December 7. Early Withdrawal Penalty is 6 months interest.
Total Bank, a division of City National Bank of Florida	4.10%	$25,000	Learn More
Last change: ↓0.15% on November 26.
KS StateBank	4.10%	$500	Learn More
Last change: ↓0.10% on September 17.
Bread Savings, a division of Bread Financial	4.10%	$1,500	Learn More
Last change: ↓0.05% on December 8.

Compare Savings vs. CDs Comparison of Deposit Account from MCCOY with 1.61% - December 2025

Long-Term Analysis of MCCOY with 1.61% APY and MCCOY with 2.99% APY and CINCINNATI INTERAGENCY with 0.25% APY and MCCOY with 1.82% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from MCCOY with 1.61% - December 2025