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Comparison of Deposit Account from MID-ILLINI with 0.25% - September 2026


Long-Term Analysis of FIELDSTONE with 0.76% APY and MID-ILLINI with 0.25% 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
    FIELDSTONE
    0.76%
    -
    $50,000
    60 Month
    Credit Union
    0.82x (National Avg. - 0.93%)
    $10,000
     
    SCENARIO
    Year Rate
    0.76%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 382 267
    2 50,382 384 269
    3 50,766 387 271
    4 51,153 390 273
    5 51,544 393 275
    6 51,937 396 277
    7 52,333 399 280
    8 52,732 402 282
    9 53,135 405 284
    10 53,540 409 286
    11 53,949 412 288
    12 54,360 415 290
    13 54,775 418 293
    14 55,193 421 295
    15 55,614 424 297
    16 56,038 428 299
    17 56,466 431 302
    18 56,897 434 304
    19 57,331 437 306
    20 57,768 441 309
    TOTAL $8,209 $5,746
  • 2
    LOCAL MONEY MARKET
    MID-ILLINI
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    0.27x (National Avg. - 0.93%)
    $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

    All calculations are for demonstration purposes only.

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    Early Withdrawal Penalty is 90 days interest.

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    Early Withdrawal Penalty is 365 days interest.

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    Early Withdrawal Penalty is 365 days interest.

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