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Comparison of Deposit Account from MICHIGAN STATE UNIVERSITY with 3.75% - June 2025


Long-Term Analysis of Northwest Community Bank with 0.40% APY and FIRST NATIONAL BANK OF NOKOMIS with 0.25% APY and MICHIGAN STATE UNIVERSITY with 3.75% APY and First Community Bank with 0.10% APY and Enterprise Bank with 0.95% APY and TRUMARK FINANCIAL with 3.75% APY and Coastal Community Bank with 0.45% APY and TRULIANT with 2.34% APY and TRULIANT with 3.09% APY and TRULIANT with 3.15% APY and TRULIANT with 1.25% 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
    Northwest Community Bank
    0.40%
    -
    $50,000
    48 Month
    Bank
    0.49x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 2
    LOCAL CD
    FIRST NATIONAL BANK OF NOKOMIS
    0.25%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 3
    LOCAL CD
    MICHIGAN STATE UNIVERSITY
    3.75%
    -
    $50,000
    6 Month
    Credit Union
    9.17x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085
  • 4
    LOCAL MONEY MARKET
    First Community Bank
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.24x (National Avg. - 0.41%)
    $2,500
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 5
    LOCAL CD
    Enterprise Bank
    0.95%
    -
    $50,000
    48 Month
    Bank
    1.16x (National Avg. - 0.82%)
    $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
  • 6
    LOCAL CD
    TRUMARK FINANCIAL
    3.75%
    -
    $50,000
    36 Month
    Credit Union
    4.97x (National Avg. - 0.75%)
    $500
     
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085
  • 7
    LOCAL CD
    Coastal Community Bank
    0.45%
    -
    $50,000
    24 Month
    Bank
    0.68x (National Avg. - 0.66%)
    $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
  • 8
    LOCAL CD
    TRULIANT
    2.34%
    -
    $50,000
    3 Month
    Credit Union
    1.06x (National Avg. - 2.21%)
    $250
     
    SCENARIO
    Year Rate
    2.34%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,170 819
    2 51,170 1,197 838
    3 52,367 1,225 858
    4 53,593 1,254 878
    5 54,847 1,283 898
    6 56,130 1,313 919
    7 57,444 1,344 941
    8 58,788 1,376 963
    9 60,164 1,408 985
    10 61,571 1,441 1,009
    11 63,012 1,474 1,032
    12 64,487 1,509 1,056
    13 65,996 1,544 1,081
    14 67,540 1,580 1,106
    15 69,120 1,617 1,132
    16 70,738 1,655 1,159
    17 72,393 1,694 1,186
    18 74,087 1,734 1,214
    19 75,821 1,774 1,242
    20 77,595 1,816 1,271
    TOTAL $29,411 $20,587
  • 9
    LOCAL CD
    TRULIANT
    3.09%
    -
    $50,000
    18 Month
    Credit Union
    5.32x (National Avg. - 0.58%)
    $250
     
    SCENARIO
    Year Rate
    3.09%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,545 1,082
    2 51,545 1,593 1,115
    3 53,138 1,642 1,149
    4 54,780 1,693 1,185
    5 56,472 1,745 1,221
    6 58,217 1,799 1,259
    7 60,016 1,855 1,298
    8 61,871 1,912 1,338
    9 63,783 1,971 1,380
    10 65,753 2,032 1,422
    11 67,785 2,095 1,466
    12 69,880 2,159 1,512
    13 72,039 2,226 1,558
    14 74,265 2,295 1,606
    15 76,560 2,366 1,656
    16 78,926 2,439 1,707
    17 81,364 2,514 1,760
    18 83,879 2,592 1,814
    19 86,470 2,672 1,870
    20 89,142 2,754 1,928
    TOTAL $41,897 $29,328
  • 10
    LOCAL CD
    TRULIANT
    3.15%
    -
    $50,000
    18 Month
    Credit Union
    5.42x (National Avg. - 0.58%)
    $25,000
     
    SCENARIO
    Year Rate
    3.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,575 1,103
    2 51,575 1,625 1,137
    3 53,200 1,676 1,173
    4 54,875 1,729 1,210
    5 56,604 1,783 1,248
    6 58,387 1,839 1,287
    7 60,226 1,897 1,328
    8 62,123 1,957 1,370
    9 64,080 2,019 1,413
    10 66,099 2,082 1,457
    11 68,181 2,148 1,503
    12 70,329 2,215 1,551
    13 72,544 2,285 1,600
    14 74,829 2,357 1,650
    15 77,186 2,431 1,702
    16 79,617 2,508 1,756
    17 82,125 2,587 1,811
    18 84,712 2,668 1,868
    19 87,381 2,752 1,927
    20 90,133 2,839 1,987
    TOTAL $42,973 $30,081
  • 11
    LOCAL MONEY MARKET
    TRULIANT
    1.25%
    -
    $50,000
    N.A.
    Credit Union
    2.15x (National Avg. - 0.58%)
    $50,000
     
    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

    All calculations are for demonstration purposes only.

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