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Comparison of Deposit Account from MCCOY with 2.22% - October 2026


Long-Term Analysis of MCCOY with 2.22% APY and MCCOY with 2.32% 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
    MCCOY
    2.22%
    -
    $50,000
    24 Month
    Credit Union
    3.34x (National Avg. - 0.67%)
    $5,000
     
    SCENARIO
    Year Rate
    2.22%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,111 778
    2 51,111 1,136 795
    3 52,247 1,161 813
    4 53,408 1,187 831
    5 54,594 1,213 849
    6 55,807 1,240 868
    7 57,047 1,268 887
    8 58,315 1,296 907
    9 59,611 1,325 927
    10 60,935 1,354 948
    11 62,289 1,384 969
    12 63,673 1,415 990
    13 65,088 1,446 1,012
    14 66,534 1,478 1,035
    15 68,013 1,511 1,058
    16 69,524 1,545 1,081
    17 71,069 1,579 1,105
    18 72,648 1,614 1,130
    19 74,262 1,650 1,155
    20 75,912 1,687 1,181
    TOTAL $27,599 $19,319
  • 2
    LOCAL CD
    MCCOY
    2.32%
    -
    $50,000
    24 Month
    Credit Union
    3.49x (National Avg. - 0.67%)
    $25,000
     
    SCENARIO
    Year Rate
    2.32%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,162 813
    2 51,162 1,189 832
    3 52,351 1,217 852
    4 53,568 1,245 871
    5 54,813 1,274 892
    6 56,086 1,303 912
    7 57,390 1,334 934
    8 58,724 1,365 955
    9 60,088 1,396 978
    10 61,485 1,429 1,000
    11 62,914 1,462 1,023
    12 64,376 1,496 1,047
    13 65,872 1,531 1,072
    14 67,403 1,566 1,097
    15 68,969 1,603 1,122
    16 70,572 1,640 1,148
    17 72,212 1,678 1,175
    18 73,890 1,717 1,202
    19 75,608 1,757 1,230
    20 77,365 1,798 1,259
    TOTAL $29,163 $20,414

    All calculations are for demonstration purposes only.

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    ONLINE BANKS APY? MIN?

    Decide once. Earn for a year. A full year of predictable earnings with our 12-Month Jumbo CD.

    12-Month

    Last change: ↑0.05% on October 8.
    Early Withdrawal Penalty is 730 days interest.

    Last change: ↑0.10% on October 8.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.05% on October 8.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.66% on April 27.

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