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Comparison of Deposit Account from MEMORIAL with 0.35% - June 2025


Long-Term Analysis of Northeast Bank with 0.45% APY and MARINE with 1.16% APY and Bank of Dixon County with 1.56% APY and MEMORIAL with 0.35% APY and OKLAHOMA with 2.50% 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
    Northeast Bank
    0.45%
    -
    $50,000
    24 Month
    Bank
    0.68x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 225 158
    2 50,225 226 158
    3 50,451 227 159
    4 50,678 228 160
    5 50,906 229 160
    6 51,135 230 161
    7 51,365 231 162
    8 51,596 232 163
    9 51,829 233 163
    10 52,062 234 164
    11 52,296 235 165
    12 52,531 236 165
    13 52,768 237 166
    14 53,005 239 167
    15 53,244 240 168
    16 53,483 241 168
    17 53,724 242 169
    18 53,966 243 170
    19 54,209 244 171
    20 54,453 245 172
    TOTAL $4,698 $3,288
  • 2
    LOCAL CD
    MARINE
    1.16%
    -
    $50,000
    60 Month
    Credit Union
    1.26x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.16%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 580 406
    2 50,580 587 411
    3 51,167 594 415
    4 51,760 600 420
    5 52,361 607 425
    6 52,968 614 430
    7 53,582 622 435
    8 54,204 629 440
    9 54,833 636 445
    10 55,469 643 450
    11 56,112 651 456
    12 56,763 658 461
    13 57,422 666 466
    14 58,088 674 472
    15 58,762 682 477
    16 59,443 690 483
    17 60,133 698 488
    18 60,830 706 494
    19 61,536 714 500
    20 62,250 722 505
    TOTAL $12,972 $9,080
  • 3
    LOCAL CD
    Bank of Dixon County
    1.56%
    -
    $50,000
    48 Month
    Bank
    1.91x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.56%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 780 546
    2 50,780 792 555
    3 51,572 805 563
    4 52,377 817 572
    5 53,194 830 581
    6 54,024 843 590
    7 54,866 856 599
    8 55,722 869 608
    9 56,592 883 618
    10 57,474 897 628
    11 58,371 911 637
    12 59,282 925 647
    13 60,206 939 657
    14 61,146 954 668
    15 62,099 969 678
    16 63,068 984 689
    17 64,052 999 699
    18 65,051 1,015 710
    19 66,066 1,031 721
    20 67,097 1,047 733
    TOTAL $18,143 $12,700
  • 4
    LOCAL MONEY MARKET
    MEMORIAL
    0.35%
    -
    $50,000
    N.A.
    Credit Union
    0.43x (National Avg. - 0.82%)
    $2,500
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 5
    LOCAL CD
    OKLAHOMA
    2.50%
    -
    $50,000
    24 Month
    Credit Union
    3.78x (National Avg. - 0.66%)
    $15,000
     
    SCENARIO
    Year Rate
    2.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,250 875
    2 51,250 1,281 897
    3 52,531 1,313 919
    4 53,845 1,346 942
    5 55,191 1,380 966
    6 56,570 1,414 990
    7 57,985 1,450 1,015
    8 59,434 1,486 1,040
    9 60,920 1,523 1,066
    10 62,443 1,561 1,093
    11 64,004 1,600 1,120
    12 65,604 1,640 1,148
    13 67,244 1,681 1,177
    14 68,926 1,723 1,206
    15 70,649 1,766 1,236
    16 72,415 1,810 1,267
    17 74,225 1,856 1,299
    18 76,081 1,902 1,331
    19 77,983 1,950 1,365
    20 79,933 1,998 1,399
    TOTAL $31,931 $22,352

    All calculations are for demonstration purposes only.

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