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Comparison of Deposit Account from MONTANA with 1.16% - July 2025


Long-Term Analysis of AVADIAN with 1.35% APY and ECO with 0.85% APY and FIRST FINANCIAL OF MARYLAND with 0.15% APY and MONTANA with 1.16% APY and SALEM VA MEDICAL CENTER with 0.20% APY and PELICAN STATE with 4.49% 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
    AVADIAN
    1.35%
    -
    $50,000
    60 Month
    Credit Union
    1.47x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 675 473
    2 50,675 684 479
    3 51,359 693 485
    4 52,052 703 492
    5 52,755 712 499
    6 53,467 722 505
    7 54,189 732 512
    8 54,921 741 519
    9 55,662 751 526
    10 56,414 762 533
    11 57,175 772 540
    12 57,947 782 548
    13 58,729 793 555
    14 59,522 804 562
    15 60,326 814 570
    16 61,140 825 578
    17 61,966 837 586
    18 62,802 848 593
    19 63,650 859 601
    20 64,509 871 610
    TOTAL $15,380 $10,766
  • 2
    LOCAL CD
    ECO
    0.85%
    -
    $50,000
    36 Month
    Credit Union
    1.13x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456
  • 3
    LOCAL MONEY MARKET
    FIRST FINANCIAL OF MARYLAND
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    0.20x (National Avg. - 0.75%)
    $25,000
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 4
    LOCAL CD
    MONTANA
    1.16%
    -
    $50,000
    48 Month
    Credit Union
    1.42x (National Avg. - 0.82%)
    $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 MONEY MARKET
    SALEM VA MEDICAL CENTER
    0.20%
    -
    $50,000
    N.A.
    Credit Union
    0.24x (National Avg. - 0.82%)
    $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
  • 6
    LOCAL CD
    PELICAN STATE
    4.49%
    -
    $50,000
    8 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    4.49%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,245 1,572
    2 52,245 2,346 1,642
    3 54,591 2,451 1,716
    4 57,042 2,561 1,793
    5 59,603 2,676 1,873
    6 62,279 2,796 1,957
    7 65,076 2,922 2,045
    8 67,998 3,053 2,137
    9 71,051 3,190 2,233
    10 74,241 3,333 2,333
    11 77,574 3,483 2,438
    12 81,057 3,639 2,548
    13 84,697 3,803 2,662
    14 88,500 3,974 2,782
    15 92,473 4,152 2,906
    16 96,625 4,338 3,037
    17 100,964 4,533 3,173
    18 105,497 4,737 3,316
    19 110,234 4,950 3,465
    20 115,183 5,172 3,620
    TOTAL $70,355 $49,249

    All calculations are for demonstration purposes only.

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