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Comparison of Deposit Account from NORTH ALABAMA EDUCATORS with 0.40% - October 2026


Long-Term Analysis of DESERET FIRST with 0.10% APY and NORTH ALABAMA EDUCATORS with 0.40% APY and ELECTRIC COOPERATIVES with 0.20% 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 MONEY MARKET
    DESERET FIRST
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $1
     
    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
  • 2
    LOCAL CD
    NORTH ALABAMA EDUCATORS
    0.40%
    -
    $50,000
    24 Month
    Credit Union
    0.60x (National Avg. - 0.66%)
    $100,000
     
    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
  • 3
    LOCAL CD
    ELECTRIC COOPERATIVES
    0.20%
    -
    $50,000
    12 Month
    Credit Union
    0.36x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 101 70
    2 50,101 101 70
    3 50,201 101 71
    4 50,302 101 71
    5 50,403 101 71
    6 50,505 102 71
    7 50,606 102 71
    8 50,708 102 71
    9 50,810 102 71
    10 50,912 102 72
    11 51,014 103 72
    12 51,117 103 72
    13 51,219 103 72
    14 51,322 103 72
    15 51,426 103 72
    16 51,529 104 73
    17 51,632 104 73
    18 51,736 104 73
    19 51,840 104 73
    20 51,944 104 73
    TOTAL $2,049 $1,434

    All calculations are for demonstration purposes only.

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