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Comparison of Deposit Account from MIAMI with 0.70% - October 2026


Long-Term Analysis of MIAMI with 0.70% APY and JOLT with 0.33% APY and CENTRICITY with 0.95% APY and RELYON with 0.45% APY and TRULIANT with 3.14% APY and SCHOOLSFIRST with 3.70% 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
    MIAMI
    0.70%
    -
    $50,000
    18 Month
    Credit Union
    1.21x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240
  • 2
    LOCAL MONEY MARKET
    JOLT
    0.33%
    -
    $50,000
    N.A.
    Credit Union
    0.56x (National Avg. - 0.58%)
    $25,000
     
    SCENARIO
    Year Rate
    0.33%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 163 114
    2 50,163 163 114
    3 50,326 164 114
    4 50,489 164 115
    5 50,653 165 115
    6 50,818 165 116
    7 50,983 166 116
    8 51,149 166 116
    9 51,315 167 117
    10 51,482 167 117
    11 51,649 168 118
    12 51,817 168 118
    13 51,985 169 118
    14 52,154 170 119
    15 52,324 170 119
    16 52,494 171 119
    17 52,664 171 120
    18 52,836 172 120
    19 53,007 172 121
    20 53,179 173 121
    TOTAL $3,352 $2,347
  • 3
    LOCAL CD
    CENTRICITY
    0.95%
    -
    $50,000
    60 Month
    Credit Union
    1.02x (National Avg. - 0.93%)
    $100,000
     
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 475 333
    2 50,475 480 336
    3 50,955 484 339
    4 51,439 489 342
    5 51,927 493 345
    6 52,421 498 349
    7 52,919 503 352
    8 53,421 508 355
    9 53,929 512 359
    10 54,441 517 362
    11 54,958 522 365
    12 55,480 527 369
    13 56,007 532 372
    14 56,540 537 376
    15 57,077 542 380
    16 57,619 547 383
    17 58,166 553 387
    18 58,719 558 390
    19 59,277 563 394
    20 59,840 568 398
    TOTAL $10,408 $7,286
  • 4
    LOCAL CD
    RELYON
    0.45%
    -
    $50,000
    6 Month
    Credit Union
    1.11x (National Avg. - 0.40%)
    $100,000
     
    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
  • 5
    LOCAL CD
    TRULIANT
    3.14%
    -
    $50,000
    36 Month
    Credit Union
    4.14x (National Avg. - 0.76%)
    $250
     
    SCENARIO
    Year Rate
    3.14%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,570 1,099
    2 51,570 1,619 1,134
    3 53,189 1,670 1,169
    4 54,859 1,723 1,206
    5 56,582 1,777 1,244
    6 58,359 1,832 1,283
    7 60,191 1,890 1,323
    8 62,081 1,949 1,365
    9 64,031 2,011 1,407
    10 66,041 2,074 1,452
    11 68,115 2,139 1,497
    12 70,254 2,206 1,544
    13 72,460 2,275 1,593
    14 74,735 2,347 1,643
    15 77,081 2,420 1,694
    16 79,502 2,496 1,747
    17 81,998 2,575 1,802
    18 84,573 2,656 1,859
    19 87,228 2,739 1,917
    20 89,967 2,825 1,977
    TOTAL $42,792 $29,955
  • 6
    LOCAL CD
    SCHOOLSFIRST
    3.70%
    -
    $50,000
    3 Month
    Credit Union
    1.62x (National Avg. - 2.28%)
    $100,000
     
    SCENARIO
    Year Rate
    3.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,850 1,295
    2 51,850 1,918 1,343
    3 53,768 1,989 1,393
    4 55,758 2,063 1,444
    5 57,821 2,139 1,498
    6 59,960 2,219 1,553
    7 62,179 2,301 1,610
    8 64,479 2,386 1,670
    9 66,865 2,474 1,732
    10 69,339 2,566 1,796
    11 71,905 2,660 1,862
    12 74,565 2,759 1,931
    13 77,324 2,861 2,003
    14 80,185 2,967 2,077
    15 83,152 3,077 2,154
    16 86,229 3,190 2,233
    17 89,419 3,309 2,316
    18 92,728 3,431 2,402
    19 96,158 3,558 2,491
    20 99,716 3,690 2,583
    TOTAL $53,406 $37,384

    All calculations are for demonstration purposes only.

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