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Comparison of Deposit Account from MEMBERS COOPERATIVE with 0.20% - June 2025


Long-Term Analysis of IOWA HEARTLAND with 0.50% APY and Iroquois Federal Savings and Loan Association with 0.50% APY and First National Bank of Kansas with 1.25% APY and PATRIOT with 1.10% APY and MEMBERS COOPERATIVE with 0.20% APY and Southwestern National Bank with 0.83% APY and OPPORTUNITIES with 0.95% 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
    IOWA HEARTLAND
    0.50%
    -
    $50,000
    24 Month
    Credit Union
    0.76x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 2
    LOCAL CD
    Iroquois Federal Savings and Loan Association
    0.50%
    -
    $50,000
    36 Month
    Bank
    0.66x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 3
    LOCAL CD
    First National Bank of Kansas
    1.25%
    -
    $50,000
    48 Month
    Bank
    1.53x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 625 438
    2 50,625 633 443
    3 51,258 641 449
    4 51,899 649 454
    5 52,547 657 460
    6 53,204 665 466
    7 53,869 673 471
    8 54,543 682 477
    9 55,224 690 483
    10 55,915 699 489
    11 56,614 708 495
    12 57,321 717 502
    13 58,038 725 508
    14 58,763 735 514
    15 59,498 744 521
    16 60,241 753 527
    17 60,994 762 534
    18 61,757 772 540
    19 62,529 782 547
    20 63,310 791 554
    TOTAL $14,102 $9,871
  • 4
    LOCAL CD
    PATRIOT
    1.10%
    -
    $50,000
    48 Month
    Credit Union
    1.35x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 550 385
    2 50,550 556 389
    3 51,106 562 394
    4 51,668 568 398
    5 52,237 575 402
    6 52,811 581 407
    7 53,392 587 411
    8 53,979 594 416
    9 54,573 600 420
    10 55,173 607 425
    11 55,780 614 430
    12 56,394 620 434
    13 57,014 627 439
    14 57,641 634 444
    15 58,276 641 449
    16 58,917 648 454
    17 59,565 655 459
    18 60,220 662 464
    19 60,882 670 469
    20 61,552 677 474
    TOTAL $12,229 $8,560
  • 5
    LOCAL MONEY MARKET
    MEMBERS COOPERATIVE
    0.20%
    -
    $50,000
    N.A.
    Credit Union
    0.24x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 6
    LOCAL CD
    Southwestern National Bank
    0.83%
    -
    $50,000
    36 Month
    Bank
    1.09x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.83%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 413 289
    2 50,413 416 291
    3 50,828 419 294
    4 51,248 423 296
    5 51,671 426 298
    6 52,097 430 301
    7 52,527 433 303
    8 52,960 437 306
    9 53,397 441 308
    10 53,837 444 311
    11 54,282 448 313
    12 54,729 452 316
    13 55,181 455 319
    14 55,636 459 321
    15 56,095 463 324
    16 56,558 467 327
    17 57,025 470 329
    18 57,495 474 332
    19 57,969 478 335
    20 58,448 482 338
    TOTAL $8,930 $6,251
  • 7
    LOCAL CD
    OPPORTUNITIES
    0.95%
    -
    $50,000
    60 Month
    Credit Union
    1.04x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 477 334
    2 50,477 481 337
    3 50,958 486 340
    4 51,443 490 343
    5 51,933 495 346
    6 52,428 500 350
    7 52,928 504 353
    8 53,432 509 356
    9 53,942 514 360
    10 54,456 519 363
    11 54,975 524 367
    12 55,499 529 370
    13 56,027 534 374
    14 56,561 539 377
    15 57,100 544 381
    16 57,645 549 385
    17 58,194 555 388
    18 58,749 560 392
    19 59,308 565 396
    20 59,874 571 399
    TOTAL $10,444 $7,311

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.20% on April 9.

    Last change: ↑0.34% on May 27.
    Warning: Early Withdrawal Penalty is 180 days interest.

    Last change: ↑0.26% on April 9.
    Early Withdrawal Penalty is 6 months interest.

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