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Comparison of Deposit Account from MCCOY with 2.38% - August 2025


Long-Term Analysis of MCCOY with 2.22% APY and MCCOY with 2.38% APY and MCCOY with 1.71% APY and MCCOY with 1.92% APY and MCCOY with 2.17% APY and MCCOY with 3.09% 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
    3.37x (National Avg. - 0.66%)
    $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
    2.38%
    -
    $50,000
    36 Month
    Credit Union
    3.15x (National Avg. - 0.75%)
    $1,000
     
    SCENARIO
    Year Rate
    2.38%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,188 831
    2 51,188 1,216 851
    3 52,403 1,245 871
    4 53,648 1,274 892
    5 54,922 1,304 913
    6 56,226 1,335 935
    7 57,562 1,367 957
    8 58,929 1,400 980
    9 60,328 1,433 1,003
    10 61,761 1,467 1,027
    11 63,228 1,502 1,051
    12 64,730 1,537 1,076
    13 66,267 1,574 1,102
    14 67,841 1,611 1,128
    15 69,452 1,649 1,155
    16 71,101 1,689 1,182
    17 72,790 1,729 1,210
    18 74,519 1,770 1,239
    19 76,289 1,812 1,268
    20 78,101 1,855 1,298
    TOTAL $29,955 $20,969
  • 3
    LOCAL CD
    MCCOY
    1.71%
    -
    $50,000
    6 Month
    Credit Union
    4.19x (National Avg. - 0.41%)
    $25,000
     
    SCENARIO
    Year Rate
    1.71%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 857 600
    2 50,857 871 610
    3 51,728 886 620
    4 52,614 901 631
    5 53,515 917 642
    6 54,432 932 653
    7 55,364 948 664
    8 56,313 965 675
    9 57,277 981 687
    10 58,258 998 699
    11 59,256 1,015 711
    12 60,271 1,032 723
    13 61,304 1,050 735
    14 62,354 1,068 748
    15 63,422 1,086 760
    16 64,509 1,105 774
    17 65,614 1,124 787
    18 66,737 1,143 800
    19 67,881 1,163 814
    20 69,044 1,183 828
    TOTAL $20,226 $14,158
  • 4
    LOCAL CD
    MCCOY
    1.92%
    -
    $50,000
    12 Month
    Credit Union
    3.47x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    1.92%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 959 671
    2 50,959 977 684
    3 51,935 996 697
    4 52,931 1,015 710
    5 53,946 1,034 724
    6 54,980 1,054 738
    7 56,034 1,074 752
    8 57,108 1,095 766
    9 58,203 1,116 781
    10 59,318 1,137 796
    11 60,456 1,159 811
    12 61,615 1,181 827
    13 62,796 1,204 843
    14 63,999 1,227 859
    15 65,226 1,250 875
    16 66,477 1,274 892
    17 67,751 1,299 909
    18 69,050 1,324 927
    19 70,374 1,349 944
    20 71,723 1,375 962
    TOTAL $23,098 $16,168
  • 5
    LOCAL CD
    MCCOY
    2.17%
    -
    $50,000
    13 Month
    Credit Union
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    2.17%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,086 760
    2 51,086 1,109 776
    3 52,195 1,133 793
    4 53,328 1,158 810
    5 54,485 1,183 828
    6 55,668 1,209 846
    7 56,877 1,235 864
    8 58,112 1,262 883
    9 59,373 1,289 902
    10 60,662 1,317 922
    11 61,979 1,346 942
    12 63,325 1,375 962
    13 64,700 1,405 983
    14 66,104 1,435 1,005
    15 67,539 1,466 1,026
    16 69,006 1,498 1,049
    17 70,504 1,531 1,071
    18 72,034 1,564 1,095
    19 73,598 1,598 1,118
    20 75,196 1,633 1,143
    TOTAL $26,829 $18,780
  • 6
    LOCAL CD
    MCCOY
    3.09%
    -
    $50,000
    60 Month
    Credit Union
    3.36x (National Avg. - 0.92%)
    $50,000
     
    SCENARIO
    Year Rate
    3.09%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,547 1,083
    2 51,547 1,594 1,116
    3 53,141 1,644 1,151
    4 54,784 1,694 1,186
    5 56,479 1,747 1,223
    6 58,226 1,801 1,261
    7 60,027 1,857 1,300
    8 61,883 1,914 1,340
    9 63,797 1,973 1,381
    10 65,771 2,034 1,424
    11 67,805 2,097 1,468
    12 69,902 2,162 1,513
    13 72,064 2,229 1,560
    14 74,293 2,298 1,609
    15 76,591 2,369 1,658
    16 78,960 2,442 1,710
    17 81,402 2,518 1,762
    18 83,920 2,596 1,817
    19 86,516 2,676 1,873
    20 89,192 2,759 1,931
    TOTAL $41,950 $29,365

    All calculations are for demonstration purposes only.

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