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Comparison of Deposit Account from MEMBERS 1ST with 2.15% - November 2026


Long-Term Analysis of PREMIER MEMBERS with 3.50% APY and ABCO with 1.30% APY and BAYER HERITAGE with 3.87% APY and TOWER with 4.55% APY and MEMBERS 1ST with 2.15% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    PREMIER MEMBERS
    3.50%
    -
    $50,000
    48 Month
    Credit Union
    4.25x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643
  • 2
    LOCAL CD
    ABCO
    1.30%
    -
    $50,000
    48 Month
    Credit Union
    1.58x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 650 455
    2 50,650 658 461
    3 51,308 667 467
    4 51,975 676 473
    5 52,651 684 479
    6 53,336 693 485
    7 54,029 702 492
    8 54,731 712 498
    9 55,443 721 505
    10 56,164 730 511
    11 56,894 740 518
    12 57,633 749 524
    13 58,383 759 531
    14 59,142 769 538
    15 59,910 779 545
    16 60,689 789 552
    17 61,478 799 559
    18 62,277 810 567
    19 63,087 820 574
    20 63,907 831 582
    TOTAL $14,738 $10,317
  • 3
    LOCAL CD
    BAYER HERITAGE
    3.87%
    -
    $50,000
    48 Month
    Credit Union
    4.70x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    3.87%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,937 1,356
    2 51,937 2,012 1,408
    3 53,948 2,089 1,463
    4 56,037 2,170 1,519
    5 58,208 2,254 1,578
    6 60,462 2,342 1,639
    7 62,804 2,432 1,703
    8 65,236 2,527 1,769
    9 67,763 2,624 1,837
    10 70,387 2,726 1,908
    11 73,113 2,832 1,982
    12 75,945 2,941 2,059
    13 78,886 3,055 2,139
    14 81,942 3,174 2,222
    15 85,115 3,297 2,308
    16 88,412 3,424 2,397
    17 91,836 3,557 2,490
    18 95,393 3,695 2,586
    19 99,087 3,838 2,686
    20 102,925 3,986 2,790
    TOTAL $56,911 $39,838
  • 4
    LOCAL CD
    TOWER
    4.55%
    -
    $50,000
    48 Month
    Credit Union
    5.52x (National Avg. - 0.82%)
    $20,000
     
    SCENARIO
    Year Rate
    4.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,275 1,593
    2 52,275 2,379 1,665
    3 54,654 2,487 1,741
    4 57,140 2,600 1,820
    5 59,740 2,718 1,903
    6 62,458 2,842 1,989
    7 65,300 2,971 2,080
    8 68,271 3,106 2,174
    9 71,378 3,248 2,273
    10 74,625 3,395 2,377
    11 78,021 3,550 2,485
    12 81,571 3,711 2,598
    13 85,282 3,880 2,716
    14 89,163 4,057 2,840
    15 93,219 4,241 2,969
    16 97,461 4,434 3,104
    17 101,895 4,636 3,245
    18 106,532 4,847 3,393
    19 111,379 5,068 3,547
    20 116,447 5,298 3,709
    TOTAL $71,745 $50,221
  • 5
    LOCAL CD
    MEMBERS 1ST
    2.15%
    -
    $50,000
    48 Month
    Credit Union
    2.61x (National Avg. - 0.82%)
    $1,000,000
     
    SCENARIO
    Year Rate
    2.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,075 753
    2 51,075 1,098 769
    3 52,173 1,122 785
    4 53,295 1,146 802
    5 54,441 1,170 819
    6 55,611 1,196 837
    7 56,807 1,221 855
    8 58,028 1,248 873
    9 59,276 1,274 892
    10 60,550 1,302 911
    11 61,852 1,330 931
    12 63,182 1,358 951
    13 64,540 1,388 971
    14 65,928 1,417 992
    15 67,345 1,448 1,014
    16 68,793 1,479 1,035
    17 70,272 1,511 1,058
    18 71,783 1,543 1,080
    19 73,326 1,577 1,104
    20 74,903 1,610 1,127
    TOTAL $26,513 $18,559

    All calculations are for demonstration purposes only.

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