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Comparison of Deposit Account from MONTEREY with 0.10% - August 2025

Long-Term Analysis of OAHE with 0.10% APY and NSWC with 0.25% APY and FIRST ENTERTAINMENT with 0.40% APY and UNCLE with 0.49% APY and STAR ONE with 3.75% APY and MONTEREY with 0.10% APY and COLUMBINE with 0.80% APY and COLUMBINE with 1.00% APY and AGRICULTURE with 4.45% APY and Sterling State Bank with 0.05% APY and INNER LAKES with 4.07% APY and MED5 with 0.15% APY and HEALTHCARE SYSTEMS with 1.00% APY and ROANOKE VALLEY COMMUNITY with 0.25% APY and VIRGINIA BEACH SCHOOLS with 0.15% APY and PENTAGON with 3.25% APY and GTE 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.

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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL SAVINGS

OAHE

0.10%

$50,000

N.A.

Credit Union

0.44x (National Avg. - 0.23%)

$50

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

LOCAL CD

NSWC

0.25%

$50,000

6 Month

Credit Union

0.61x (National Avg. - 0.41%)

$100,000

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

LOCAL CD

FIRST ENTERTAINMENT

0.40%

$50,000

6 Month

Credit Union

0.98x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

UNCLE

0.49%

$50,000

36 Month

Credit Union

0.65x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.49%	Annual Interest	Annual Interest (After Tax)
1	50,000	245	172
2	50,245	246	172
3	50,491	247	173
4	50,739	249	174
5	50,987	250	175
6	51,237	251	176
7	51,488	252	177
8	51,740	254	177
9	51,994	255	178
10	52,249	256	179
11	52,505	257	180
12	52,762	259	181
13	53,021	260	182
14	53,280	261	183
15	53,541	262	184
16	53,804	264	185
17	54,067	265	185
18	54,332	266	186
19	54,599	268	187
20	54,866	269	188
	TOTAL	$5,135	$3,594

LOCAL CD

STAR ONE

3.75%

$50,000

6 Month

Credit Union

9.17x (National Avg. - 0.41%)

$2,500

SCENARIO

Year	Rate 3.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,875	1,313
2	51,875	1,945	1,362
3	53,820	2,018	1,413
4	55,839	2,094	1,466
5	57,933	2,172	1,521
6	60,105	2,254	1,578
7	62,359	2,338	1,637
8	64,697	2,426	1,698
9	67,124	2,517	1,762
10	69,641	2,612	1,828
11	72,252	2,709	1,897
12	74,962	2,811	1,968
13	77,773	2,916	2,042
14	80,689	3,026	2,118
15	83,715	3,139	2,198
16	86,854	3,257	2,280
17	90,111	3,379	2,365
18	93,491	3,506	2,454
19	96,996	3,637	2,546
20	100,634	3,774	2,642
	TOTAL	$54,408	$38,085

LOCAL CD

MONTEREY

0.10%

$50,000

6 Month

Credit Union

0.24x (National Avg. - 0.41%)

$10,000

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

LOCAL CD

COLUMBINE

0.80%

$50,000

12 Month

Credit Union

1.45x (National Avg. - 0.55%)

$100,000

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

LOCAL CD

COLUMBINE

1.00%

$50,000

36 Month

Credit Union

1.33x (National Avg. - 0.75%)

$100,000

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

LOCAL CD

AGRICULTURE

4.45%

$50,000

36 Month

Credit Union

5.90x (National Avg. - 0.75%)

$250

SCENARIO

Year	Rate 4.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,225	1,558
2	52,225	2,324	1,627
3	54,549	2,427	1,699
4	56,976	2,535	1,775
5	59,512	2,648	1,854
6	62,160	2,766	1,936
7	64,926	2,889	2,022
8	67,816	3,018	2,112
9	70,833	3,152	2,206
10	73,985	3,292	2,305
11	77,278	3,439	2,407
12	80,717	3,592	2,514
13	84,308	3,752	2,626
14	88,060	3,919	2,743
15	91,979	4,093	2,865
16	96,072	4,275	2,993
17	100,347	4,465	3,126
18	104,813	4,664	3,265
19	109,477	4,872	3,410
20	114,348	5,089	3,562
	TOTAL	$69,437	$48,606

LOCAL CD

Sterling State Bank

0.05%

$50,000

18 Month

Bank

0.09x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	25	18
2	50,025	25	18
3	50,050	25	18
4	50,075	25	18
5	50,100	25	18
6	50,125	25	18
7	50,150	25	18
8	50,175	25	18
9	50,200	25	18
10	50,225	25	18
11	50,251	25	18
12	50,276	25	18
13	50,301	25	18
14	50,326	25	18
15	50,351	25	18
16	50,376	25	18
17	50,402	25	18
18	50,427	25	18
19	50,452	25	18
20	50,477	25	18
	TOTAL	$502	$352

LOCAL CD

INNER LAKES

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

LOCAL MONEY MARKET

MED5

0.15%

$50,000

N.A.

Credit Union

0.37x (National Avg. - 0.41%)

$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

LOCAL CD

HEALTHCARE SYSTEMS

1.00%

$50,000

60 Month

Credit Union

1.09x (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

LOCAL CD

ROANOKE VALLEY COMMUNITY

0.25%

$50,000

12 Month

Credit Union

0.45x (National Avg. - 0.55%)

$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

LOCAL CD

VIRGINIA BEACH SCHOOLS

0.15%

$50,000

6 Month

Credit Union

0.37x (National Avg. - 0.41%)

$10,000

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

LOCAL CD

PENTAGON

3.25%

$50,000

15 Month

Credit Union

N.A.

$1,000

SCENARIO

Year	Rate 3.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,625	1,138
2	51,625	1,678	1,174
3	53,303	1,732	1,213
4	55,035	1,789	1,252
5	56,824	1,847	1,293
6	58,671	1,907	1,335
7	60,577	1,969	1,378
8	62,546	2,033	1,423
9	64,579	2,099	1,469
10	66,678	2,167	1,517
11	68,845	2,237	1,566
12	71,082	2,310	1,617
13	73,392	2,385	1,670
14	75,778	2,463	1,724
15	78,240	2,543	1,780
16	80,783	2,625	1,838
17	83,409	2,711	1,898
18	86,119	2,799	1,959
19	88,918	2,890	2,023
20	91,808	2,984	2,089
	TOTAL	$44,792	$31,354

LOCAL CD

GTE

3.30%

$50,000

6 Month

Credit Union

8.07x (National Avg. - 0.41%)

$100,000

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.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
Finworth, a division of InsBank	4.46%	$50,000	Learn More
Last change: ↑0.26% on April 9. Early Withdrawal Penalty is 6 months interest.
Bread Savings, a division of Bread Financial	4.45%	$1,500	Learn More
Last change: ↑0.10% on July 13.

Compare Savings vs. CDs Comparison of Deposit Account from MONTEREY with 0.10% - August 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from MONTEREY with 0.10% - August 2025