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Comparison of Deposit Account from METRO CU with 1.25% - June 2025


Long-Term Analysis of PENOBSCOT COUNTY with 1.31% APY and ROYAL with 1.80% APY and METRO CU with 1.25% APY and METRO CU with 1.40% APY and AMERICA FIRST with 4.35% APY and EagleBank with 4.35% 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
    PENOBSCOT COUNTY
    1.31%
    -
    $50,000
    60 Month
    Credit Union
    1.42x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.31%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 654 458
    2 50,654 663 464
    3 51,317 671 470
    4 51,988 680 476
    5 52,668 689 482
    6 53,357 698 489
    7 54,055 707 495
    8 54,762 716 501
    9 55,478 726 508
    10 56,204 735 515
    11 56,939 745 521
    12 57,683 754 528
    13 58,438 764 535
    14 59,202 774 542
    15 59,977 784 549
    16 60,761 795 556
    17 61,556 805 564
    18 62,361 816 571
    19 63,177 826 578
    20 64,003 837 586
    TOTAL $14,840 $10,388
  • 2
    LOCAL MONEY MARKET
    ROYAL
    1.80%
    -
    $50,000
    N.A.
    Credit Union
    1.96x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 900 630
    2 50,900 916 641
    3 51,816 933 653
    4 52,749 949 665
    5 53,698 967 677
    6 54,665 984 689
    7 55,649 1,002 701
    8 56,651 1,020 714
    9 57,670 1,038 727
    10 58,708 1,057 740
    11 59,765 1,076 753
    12 60,841 1,095 767
    13 61,936 1,115 780
    14 63,051 1,135 794
    15 64,186 1,155 809
    16 65,341 1,176 823
    17 66,517 1,197 838
    18 67,715 1,219 853
    19 68,933 1,241 869
    20 70,174 1,263 884
    TOTAL $21,437 $15,006
  • 3
    LOCAL CD
    METRO CU
    1.25%
    -
    $50,000
    48 Month
    Credit Union
    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
    METRO CU
    1.40%
    -
    $50,000
    60 Month
    Credit Union
    1.52x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 700 490
    2 50,700 710 497
    3 51,410 720 504
    4 52,130 730 511
    5 52,859 740 518
    6 53,599 750 525
    7 54,350 761 533
    8 55,111 772 540
    9 55,882 782 548
    10 56,665 793 555
    11 57,458 804 563
    12 58,262 816 571
    13 59,078 827 579
    14 59,905 839 587
    15 60,744 850 595
    16 61,594 862 604
    17 62,456 874 612
    18 63,331 887 621
    19 64,217 899 629
    20 65,117 912 638
    TOTAL $16,028 $11,220
  • 5
    LOCAL CD
    AMERICA FIRST
    4.35%
    -
    $50,000
    3 Month
    Credit Union
    1.97x (National Avg. - 2.21%)
    $500
     
    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
  • 6
    LOCAL CD
    EagleBank
    4.35%
    -
    $50,000
    1 Month
    Bank
    N.A.
    $1,000
     
    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

    All calculations are for demonstration purposes only.

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