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Comparison of Deposit Account from MIDCOAST with 0.20% - November 2025


Long-Term Analysis of MTC with 4.16% APY and MTC with 4.06% APY and Ipava State Bank with 0.80% APY and Ipava State Bank with 0.90% APY and FRANKLIN-SOMERSET with 0.55% APY and MIDCOAST with 1.00% APY and MIDCOAST with 0.20% APY and NEW DIMENSIONS with 1.16% APY and NEW DIMENSIONS 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.

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
    MTC
    4.16%
    -
    $50,000
    24 Month
    Credit Union
    6.30x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    4.16%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,080 1,456
    2 52,080 2,167 1,517
    3 54,247 2,257 1,580
    4 56,503 2,351 1,645
    5 58,854 2,448 1,714
    6 61,302 2,550 1,785
    7 63,852 2,656 1,859
    8 66,508 2,767 1,937
    9 69,275 2,882 2,017
    10 72,157 3,002 2,101
    11 75,159 3,127 2,189
    12 78,285 3,257 2,280
    13 81,542 3,392 2,375
    14 84,934 3,533 2,473
    15 88,467 3,680 2,576
    16 92,148 3,833 2,683
    17 95,981 3,993 2,795
    18 99,974 4,159 2,911
    19 104,133 4,332 3,032
    20 108,465 4,512 3,158
    TOTAL $62,977 $44,084
  • 2
    LOCAL CD
    MTC
    4.06%
    -
    $50,000
    48 Month
    Credit Union
    4.96x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    4.06%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,030 1,421
    2 52,030 2,112 1,479
    3 54,142 2,198 1,539
    4 56,341 2,287 1,601
    5 58,628 2,380 1,666
    6 61,008 2,477 1,734
    7 63,485 2,578 1,804
    8 66,063 2,682 1,878
    9 68,745 2,791 1,954
    10 71,536 2,904 2,033
    11 74,440 3,022 2,116
    12 77,463 3,145 2,201
    13 80,608 3,273 2,291
    14 83,880 3,406 2,384
    15 87,286 3,544 2,481
    16 90,830 3,688 2,581
    17 94,517 3,837 2,686
    18 98,355 3,993 2,795
    19 102,348 4,155 2,909
    20 106,503 4,324 3,027
    TOTAL $60,827 $42,579
  • 3
    LOCAL CD
    Ipava State Bank
    0.80%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $10,000
     
    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
  • 4
    LOCAL CD
    Ipava State Bank
    0.90%
    -
    $50,000
    36 Month
    Bank
    1.19x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 5
    LOCAL CD
    FRANKLIN-SOMERSET
    0.55%
    -
    $50,000
    12 Month
    Credit Union
    1.00x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 276 193
    2 50,276 278 194
    3 50,554 279 195
    4 50,833 281 196
    5 51,113 282 198
    6 51,395 284 199
    7 51,679 285 200
    8 51,964 287 201
    9 52,251 288 202
    10 52,540 290 203
    11 52,830 292 204
    12 53,121 293 205
    13 53,414 295 206
    14 53,709 296 208
    15 54,006 298 209
    16 54,304 300 210
    17 54,604 301 211
    18 54,905 303 212
    19 55,208 305 213
    20 55,513 306 215
    TOTAL $5,819 $4,073
  • 6
    LOCAL CD
    MIDCOAST
    1.00%
    -
    $50,000
    60 Month
    Credit Union
    1.08x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 500 350
    2 50,500 505 354
    3 51,005 510 357
    4 51,515 515 361
    5 52,030 520 364
    6 52,551 526 368
    7 53,076 531 372
    8 53,607 536 375
    9 54,143 541 379
    10 54,684 547 383
    11 55,231 552 387
    12 55,783 558 390
    13 56,341 563 394
    14 56,905 569 398
    15 57,474 575 402
    16 58,048 580 406
    17 58,629 586 410
    18 59,215 592 415
    19 59,807 598 419
    20 60,405 604 423
    TOTAL $11,010 $7,707
  • 7
    LOCAL MONEY MARKET
    MIDCOAST
    0.20%
    -
    $50,000
    N.A.
    Credit Union
    0.22x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 8
    LOCAL CD
    NEW DIMENSIONS
    1.16%
    -
    $50,000
    36 Month
    Credit Union
    1.54x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.16%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 580 406
    2 50,580 587 411
    3 51,167 594 415
    4 51,760 600 420
    5 52,361 607 425
    6 52,968 614 430
    7 53,582 622 435
    8 54,204 629 440
    9 54,833 636 445
    10 55,469 643 450
    11 56,112 651 456
    12 56,763 658 461
    13 57,422 666 466
    14 58,088 674 472
    15 58,762 682 477
    16 59,443 690 483
    17 60,133 698 488
    18 60,830 706 494
    19 61,536 714 500
    20 62,250 722 505
    TOTAL $12,972 $9,080
  • 9
    LOCAL MONEY MARKET
    NEW DIMENSIONS
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    0.33x (National Avg. - 0.75%)
    $25,000
     
    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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