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Comparison of Deposit Account from NECHES with 4.75% - October 2025

Long-Term Analysis of FOUNDERS with 3.44% APY and FOUNDERS with 1.51% APY and Community State Bank of Orbisonia with 0.55% APY and NECHES with 4.75% 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

FOUNDERS

3.44%

$50,000

48 Month

Credit Union

4.22x (National Avg. - 0.82%)

$500

SCENARIO

Year	Rate 3.44%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,720	1,204
2	51,720	1,779	1,245
3	53,499	1,840	1,288
4	55,340	1,904	1,333
5	57,243	1,969	1,378
6	59,212	2,037	1,426
7	61,249	2,107	1,475
8	63,356	2,179	1,526
9	65,536	2,254	1,578
10	67,790	2,332	1,632
11	70,122	2,412	1,689
12	72,534	2,495	1,747
13	75,030	2,581	1,807
14	77,611	2,670	1,869
15	80,280	2,762	1,933
16	83,042	2,857	2,000
17	85,899	2,955	2,068
18	88,854	3,057	2,140
19	91,910	3,162	2,213
20	95,072	3,270	2,289
	TOTAL	$48,342	$33,840

LOCAL MONEY MARKET

FOUNDERS

1.51%

$50,000

N.A.

Credit Union

1.85x (National Avg. - 0.82%)

$1,000

SCENARIO

Year	Rate 1.51%	Annual Interest	Annual Interest (After Tax)
1	50,000	755	529
2	50,755	766	536
3	51,521	778	545
4	52,299	790	553
5	53,089	802	561
6	53,891	814	570
7	54,704	826	578
8	55,531	839	587
9	56,369	851	596
10	57,220	864	605
11	58,084	877	614
12	58,961	890	623
13	59,852	904	633
14	60,755	917	642
15	61,673	931	652
16	62,604	945	662
17	63,549	960	672
18	64,509	974	682
19	65,483	989	692
20	66,472	1,004	703
	TOTAL	$17,476	$12,233

LOCAL CD

Community State Bank of Orbisonia

0.55%

$50,000

18 Month

Bank

0.95x (National Avg. - 0.58%)

$500

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	275	193
2	50,275	277	194
3	50,552	278	195
4	50,830	280	196
5	51,109	281	197
6	51,390	283	198
7	51,673	284	199
8	51,957	286	200
9	52,243	287	201
10	52,530	289	202
11	52,819	291	203
12	53,110	292	204
13	53,402	294	206
14	53,695	295	207
15	53,991	297	208
16	54,288	299	209
17	54,586	300	210
18	54,886	302	211
19	55,188	304	212
20	55,492	305	214
	TOTAL	$5,797	$4,058

LOCAL CD

NECHES

4.75%

$50,000

12 Month

Credit Union

8.67x (National Avg. - 0.55%)

$100,000

SCENARIO

Year	Rate 4.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,375	1,663
2	52,375	2,488	1,741
3	54,863	2,606	1,824
4	57,469	2,730	1,911
5	60,199	2,859	2,002
6	63,058	2,995	2,097
7	66,053	3,138	2,196
8	69,191	3,287	2,301
9	72,477	3,443	2,410
10	75,920	3,606	2,524
11	79,526	3,777	2,644
12	83,304	3,957	2,770
13	87,261	4,145	2,901
14	91,406	4,342	3,039
15	95,747	4,548	3,184
16	100,295	4,764	3,335
17	105,059	4,990	3,493
18	110,050	5,227	3,659
19	115,277	5,476	3,833
20	120,753	5,736	4,015
	TOTAL	$76,488	$53,542

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Ivy Bank, a division of Cambridge Savings Bank	4.35%	$1,000	Learn More
Last change: ↑2.35% on September 16.
Climate First Bank	4.34%	$500	Learn More
Last change: ↑1.66% on April 4.
Climate First Bank	4.34%	$500	Learn More
Last change: ↑0.66% on February 4. No Penalty CD.
Finworth, a division of InsBank	4.30%	$50,000	Learn More
Last change: ↓0.15% on September 23.
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.

Compare Savings vs. CDs Comparison of Deposit Account from NECHES with 4.75% - October 2025

Long-Term Analysis of FOUNDERS with 3.44% APY and FOUNDERS with 1.51% APY and Community State Bank of Orbisonia with 0.55% APY and NECHES with 4.75% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from NECHES with 4.75% - October 2025