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Comparison of Deposit Account from MIDWEST AMERICA with 0.10% - November 2025


Long-Term Analysis of MIDWEST AMERICA with 0.10% APY and JOLT with 0.28% APY and BayCoast Bank with 0.20% APY and EMPOWER with 1.16% APY and TRULIANT with 2.76% APY and TRULIANT with 3.19% APY and TRULIANT with 3.30% 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 SAVINGS
    MIDWEST AMERICA
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.45x (National Avg. - 0.22%)
    $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
  • 2
    LOCAL MONEY MARKET
    JOLT
    0.28%
    -
    $50,000
    N.A.
    Credit Union
    1.24x (National Avg. - 0.22%)
    $2,500
     
    SCENARIO
    Year Rate
    0.28%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 138 96
    2 50,138 138 97
    3 50,275 138 97
    4 50,414 139 97
    5 50,552 139 97
    6 50,691 139 98
    7 50,831 140 98
    8 50,970 140 98
    9 51,111 141 98
    10 51,251 141 99
    11 51,392 141 99
    12 51,533 142 99
    13 51,675 142 99
    14 51,817 142 100
    15 51,960 143 100
    16 52,103 143 100
    17 52,246 144 101
    18 52,390 144 101
    19 52,534 144 101
    20 52,678 145 101
    TOTAL $2,823 $1,976
  • 3
    N.A.
    BayCoast Bank
    0.20%
    -
    $50,000
    N.A.
    Bank
    0.90x (National Avg. - 0.22%)
    $250,000
     
    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
  • 4
    LOCAL CD
    EMPOWER
    1.16%
    -
    $50,000
    60 Month
    Credit Union
    1.26x (National Avg. - 0.92%)
    $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
  • 5
    LOCAL CD
    TRULIANT
    2.76%
    -
    $50,000
    14 Month
    Credit Union
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    2.76%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,380 966
    2 51,380 1,418 993
    3 52,798 1,457 1,020
    4 54,255 1,497 1,048
    5 55,753 1,539 1,077
    6 57,292 1,581 1,107
    7 58,873 1,625 1,137
    8 60,498 1,670 1,169
    9 62,167 1,716 1,201
    10 63,883 1,763 1,234
    11 65,646 1,812 1,268
    12 67,458 1,862 1,303
    13 69,320 1,913 1,339
    14 71,233 1,966 1,376
    15 73,199 2,020 1,414
    16 75,220 2,076 1,453
    17 77,296 2,133 1,493
    18 79,429 2,192 1,535
    19 81,621 2,253 1,577
    20 83,874 2,315 1,620
    TOTAL $36,189 $25,332
  • 6
    LOCAL CD
    TRULIANT
    3.19%
    -
    $50,000
    48 Month
    Credit Union
    3.91x (National Avg. - 0.82%)
    $250
     
    SCENARIO
    Year Rate
    3.19%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,595 1,117
    2 51,595 1,646 1,152
    3 53,241 1,698 1,189
    4 54,939 1,753 1,227
    5 56,692 1,808 1,266
    6 58,500 1,866 1,306
    7 60,366 1,926 1,348
    8 62,292 1,987 1,391
    9 64,279 2,051 1,435
    10 66,330 2,116 1,481
    11 68,446 2,183 1,528
    12 70,629 2,253 1,577
    13 72,882 2,325 1,627
    14 75,207 2,399 1,679
    15 77,606 2,476 1,733
    16 80,082 2,555 1,788
    17 82,636 2,636 1,845
    18 85,273 2,720 1,904
    19 87,993 2,807 1,965
    20 90,800 2,897 2,028
    TOTAL $43,696 $30,587
  • 7
    LOCAL CD
    TRULIANT
    3.30%
    -
    $50,000
    60 Month
    Credit Union
    3.59x (National Avg. - 0.92%)
    $5,000
     
    SCENARIO
    Year Rate
    3.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,650 1,155
    2 51,650 1,704 1,193
    3 53,354 1,761 1,232
    4 55,115 1,819 1,273
    5 56,934 1,879 1,315
    6 58,813 1,941 1,359
    7 60,754 2,005 1,403
    8 62,758 2,071 1,450
    9 64,829 2,139 1,498
    10 66,969 2,210 1,547
    11 69,179 2,283 1,598
    12 71,462 2,358 1,651
    13 73,820 2,436 1,705
    14 76,256 2,516 1,762
    15 78,772 2,599 1,820
    16 81,372 2,685 1,880
    17 84,057 2,774 1,942
    18 86,831 2,865 2,006
    19 89,697 2,960 2,072
    20 92,657 3,058 2,140
    TOTAL $45,714 $32,000

    All calculations are for demonstration purposes only.

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