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Comparison of Deposit Account from MICHIGAN STATE UNIVERSITY with 3.65% - June 2025


Long-Term Analysis of CITIZENS EQUITY FIRST with 1.95% APY and MICHIGAN STATE UNIVERSITY with 3.65% APY and Enterprise Bank with 0.80% 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 MONEY MARKET
    CITIZENS EQUITY FIRST
    1.95%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $2,500
     
    SCENARIO
    Year Rate
    1.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 975 683
    2 50,975 994 696
    3 51,969 1,013 709
    4 52,982 1,033 723
    5 54,016 1,053 737
    6 55,069 1,074 752
    7 56,143 1,095 766
    8 57,237 1,116 781
    9 58,354 1,138 797
    10 59,492 1,160 812
    11 60,652 1,183 828
    12 61,834 1,206 844
    13 63,040 1,229 860
    14 64,269 1,253 877
    15 65,523 1,278 894
    16 66,800 1,303 912
    17 68,103 1,328 930
    18 69,431 1,354 948
    19 70,785 1,380 966
    20 72,165 1,407 985
    TOTAL $23,572 $16,501
  • 2
    LOCAL CD
    MICHIGAN STATE UNIVERSITY
    3.65%
    -
    $50,000
    24 Month
    Credit Union
    5.52x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    3.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,825 1,278
    2 51,825 1,892 1,324
    3 53,717 1,961 1,372
    4 55,677 2,032 1,423
    5 57,709 2,106 1,474
    6 59,816 2,183 1,528
    7 61,999 2,263 1,584
    8 64,262 2,346 1,642
    9 66,608 2,431 1,702
    10 69,039 2,520 1,764
    11 71,559 2,612 1,828
    12 74,171 2,707 1,895
    13 76,878 2,806 1,964
    14 79,684 2,908 2,036
    15 82,592 3,015 2,110
    16 85,607 3,125 2,187
    17 88,732 3,239 2,267
    18 91,970 3,357 2,350
    19 95,327 3,479 2,436
    20 98,807 3,606 2,525
    TOTAL $52,413 $36,689
  • 3
    LOCAL CD
    Enterprise Bank
    0.80%
    -
    $50,000
    24 Month
    Bank
    1.21x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047

    All calculations are for demonstration purposes only.

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

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