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Comparison of Deposit Account from Merrick Bank with 4.35% - August 2025


Long-Term Analysis of Merrick Bank with 4.35% APY and KINECTA with 3.05% APY and KINECTA 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
    Merrick Bank
    4.35%
    -
    $50,000
    12 Month
    Bank
    7.88x (National Avg. - 0.55%)
    $25,000
     
    SCENARIO
    Year Rate
    4.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,175 1,523
    2 52,175 2,270 1,589
    3 54,445 2,368 1,658
    4 56,813 2,471 1,730
    5 59,284 2,579 1,805
    6 61,863 2,691 1,884
    7 64,554 2,808 1,966
    8 67,362 2,930 2,051
    9 70,293 3,058 2,140
    10 73,350 3,191 2,234
    11 76,541 3,330 2,331
    12 79,871 3,474 2,432
    13 83,345 3,626 2,538
    14 86,970 3,783 2,648
    15 90,754 3,948 2,763
    16 94,701 4,120 2,884
    17 98,821 4,299 3,009
    18 103,120 4,486 3,140
    19 107,605 4,681 3,277
    20 112,286 4,884 3,419
    TOTAL $67,171 $47,019
  • 2
    LOCAL CD
    KINECTA
    3.05%
    -
    $50,000
    24 Month
    Credit Union
    4.62x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    3.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,525 1,068
    2 51,525 1,572 1,100
    3 53,097 1,619 1,134
    4 54,716 1,669 1,168
    5 56,385 1,720 1,204
    6 58,105 1,772 1,241
    7 59,877 1,826 1,278
    8 61,703 1,882 1,317
    9 63,585 1,939 1,358
    10 65,524 1,998 1,399
    11 67,523 2,059 1,442
    12 69,582 2,122 1,486
    13 71,704 2,187 1,531
    14 73,891 2,254 1,578
    15 76,145 2,322 1,626
    16 78,468 2,393 1,675
    17 80,861 2,466 1,726
    18 83,327 2,541 1,779
    19 85,869 2,619 1,833
    20 88,488 2,699 1,889
    TOTAL $41,186 $28,830
  • 3
    LOCAL CD
    KINECTA
    2.50%
    -
    $50,000
    48 Month
    Credit Union
    3.06x (National Avg. - 0.82%)
    $100,000
     
    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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