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Comparison of Deposit Account from MTC with 1.76% - August 2025

Long-Term Analysis of MTC with 4.11% APY and MTC with 3.86% APY and MTC with 1.76% APY and MTC with 3.03% 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 CD

MTC

4.11%

$50,000

30 Month

Credit Union

N.A.

$250

SCENARIO

Year	Rate 4.11%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,055	1,439
2	52,055	2,139	1,498
3	54,194	2,227	1,559
4	56,422	2,319	1,623
5	58,741	2,414	1,690
6	61,155	2,513	1,759
7	63,669	2,617	1,832
8	66,285	2,724	1,907
9	69,010	2,836	1,985
10	71,846	2,953	2,067
11	74,799	3,074	2,152
12	77,873	3,201	2,240
13	81,074	3,332	2,332
14	84,406	3,469	2,428
15	87,875	3,612	2,528
16	91,486	3,760	2,632
17	95,247	3,915	2,740
18	99,161	4,076	2,853
19	103,237	4,243	2,970
20	107,480	4,417	3,092
	TOTAL	$61,897	$43,328

LOCAL CD

MTC

3.86%

$50,000

48 Month

Credit Union

4.72x (National Avg. - 0.82%)

$250

SCENARIO

Year	Rate 3.86%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,930	1,351
2	51,930	2,004	1,403
3	53,934	2,082	1,457
4	56,016	2,162	1,514
5	58,179	2,246	1,572
6	60,424	2,332	1,633
7	62,757	2,422	1,696
8	65,179	2,516	1,761
9	67,695	2,613	1,829
10	70,308	2,714	1,900
11	73,022	2,819	1,973
12	75,841	2,927	2,049
13	78,768	3,040	2,128
14	81,808	3,158	2,210
15	84,966	3,280	2,296
16	88,246	3,406	2,384
17	91,652	3,538	2,476
18	95,190	3,674	2,572
19	98,864	3,816	2,671
20	102,681	3,963	2,774
	TOTAL	$56,644	$39,651

LOCAL MONEY MARKET

MTC

1.76%

$50,000

N.A.

Credit Union

2.15x (National Avg. - 0.82%)

$2,000

SCENARIO

Year	Rate 1.76%	Annual Interest	Annual Interest (After Tax)
1	50,000	880	616
2	50,880	895	627
3	51,775	911	638
4	52,687	927	649
5	53,614	944	661
6	54,558	960	672
7	55,518	977	684
8	56,495	994	696
9	57,489	1,012	708
10	58,501	1,030	721
11	59,531	1,048	733
12	60,578	1,066	746
13	61,645	1,085	759
14	62,730	1,104	773
15	63,834	1,123	786
16	64,957	1,143	800
17	66,100	1,163	814
18	67,264	1,184	829
19	68,448	1,205	843
20	69,652	1,226	858
	TOTAL	$20,878	$14,615

LOCAL MONEY MARKET

MTC

3.03%

$50,000

N.A.

Credit Union

3.71x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 3.03%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,515	1,061
2	51,515	1,561	1,093
3	53,076	1,608	1,126
4	54,684	1,657	1,160
5	56,341	1,707	1,195
6	58,048	1,759	1,231
7	59,807	1,812	1,269
8	61,619	1,867	1,307
9	63,486	1,924	1,347
10	65,410	1,982	1,387
11	67,392	2,042	1,429
12	69,434	2,104	1,473
13	71,538	2,168	1,517
14	73,705	2,233	1,563
15	75,938	2,301	1,611
16	78,239	2,371	1,659
17	80,610	2,442	1,710
18	83,053	2,516	1,762
19	85,569	2,593	1,815
20	88,162	2,671	1,870
	TOTAL	$40,833	$28,583

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.
Bread Savings, a division of Bread Financial	4.45%	$1,500	Learn More
Last change: ↑0.10% on July 13.
Finworth, a division of InsBank	4.45%	$50,000	Learn More
Last change: ↓0.05% on August 2. 7-Month CD.
My e-Banc, a division of Bradesco BAC Florida Bank	4.45%	$50,000	Learn More
Last change: ↓0.05% on April 30. Early Withdrawal Penalty is 3 months interest.

Compare Savings vs. CDs Comparison of Deposit Account from MTC with 1.76% - August 2025

Long-Term Analysis of MTC with 4.11% APY and MTC with 3.86% APY and MTC with 1.76% APY and MTC with 3.03% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from MTC with 1.76% - August 2025