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Comparison of Deposit Account from MOHAWK VALLEY with 3.56% - August 2025


Long-Term Analysis of MOHAWK VALLEY with 4.30% APY and MOHAWK VALLEY with 3.56% APY and CUTTING EDGE with 4.07% 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
    MOHAWK VALLEY
    4.30%
    -
    $50,000
    12 Month
    Credit Union
    7.79x (National Avg. - 0.55%)
    $1,000
     
    SCENARIO
    Year Rate
    4.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,150 1,505
    2 52,150 2,242 1,570
    3 54,392 2,339 1,637
    4 56,731 2,439 1,708
    5 59,171 2,544 1,781
    6 61,715 2,654 1,858
    7 64,369 2,768 1,938
    8 67,137 2,887 2,021
    9 70,024 3,011 2,108
    10 73,035 3,140 2,198
    11 76,175 3,276 2,293
    12 79,451 3,416 2,391
    13 82,867 3,563 2,494
    14 86,430 3,717 2,602
    15 90,147 3,876 2,713
    16 94,023 4,043 2,830
    17 98,066 4,217 2,952
    18 102,283 4,398 3,079
    19 106,681 4,587 3,211
    20 111,268 4,785 3,349
    TOTAL $66,053 $46,237
  • 2
    LOCAL CD
    MOHAWK VALLEY
    3.56%
    -
    $50,000
    6 Month
    Credit Union
    8.70x (National Avg. - 0.41%)
    $1,000
     
    SCENARIO
    Year Rate
    3.56%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,779 1,245
    2 51,779 1,842 1,289
    3 53,620 1,907 1,335
    4 55,528 1,975 1,383
    5 57,503 2,045 1,432
    6 59,548 2,118 1,483
    7 61,666 2,193 1,535
    8 63,860 2,271 1,590
    9 66,131 2,352 1,647
    10 68,483 2,436 1,705
    11 70,919 2,523 1,766
    12 73,442 2,612 1,829
    13 76,054 2,705 1,894
    14 78,760 2,801 1,961
    15 81,561 2,901 2,031
    16 84,462 3,004 2,103
    17 87,466 3,111 2,178
    18 90,578 3,222 2,255
    19 93,799 3,336 2,336
    20 97,136 3,455 2,419
    TOTAL $50,591 $35,414
  • 3
    LOCAL CD
    CUTTING EDGE
    4.07%
    -
    $50,000
    6 Month
    Credit Union
    9.95x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    4.07%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,035 1,425
    2 52,035 2,118 1,482
    3 54,153 2,204 1,543
    4 56,357 2,294 1,606
    5 58,651 2,387 1,671
    6 61,038 2,484 1,739
    7 63,522 2,585 1,810
    8 66,107 2,691 1,883
    9 68,798 2,800 1,960
    10 71,598 2,914 2,040
    11 74,512 3,033 2,123
    12 77,545 3,156 2,209
    13 80,701 3,285 2,299
    14 83,985 3,418 2,393
    15 87,403 3,557 2,490
    16 90,961 3,702 2,591
    17 94,663 3,853 2,697
    18 98,515 4,010 2,807
    19 102,525 4,173 2,921
    20 106,698 4,343 3,040
    TOTAL $61,040 $42,728

    All calculations are for demonstration purposes only.

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