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Comparison of Deposit Account from ONPOINT COMMUNITY with 2.45% - October 2026


Long-Term Analysis of NESC with 1.01% APY and ACADIA with 0.55% APY and RED WING with 1.21% APY and RELYON with 0.70% APY and GRANCO with 0.15% APY and ONPOINT COMMUNITY with 2.45% 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
    NESC
    1.01%
    -
    $50,000
    24 Month
    Credit Union
    1.52x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    1.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 505 354
    2 50,505 510 357
    3 51,015 515 361
    4 51,530 520 364
    5 52,051 526 368
    6 52,577 531 372
    7 53,108 536 375
    8 53,644 542 379
    9 54,186 547 383
    10 54,733 553 387
    11 55,286 558 391
    12 55,844 564 395
    13 56,408 570 399
    14 56,978 575 403
    15 57,553 581 407
    16 58,135 587 411
    17 58,722 593 415
    18 59,315 599 419
    19 59,914 605 424
    20 60,519 611 428
    TOTAL $11,130 $7,791
  • 2
    LOCAL CD
    ACADIA
    0.55%
    -
    $50,000
    12 Month
    Credit Union
    1.00x (National Avg. - 0.55%)
    $10,000
     
    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
  • 3
    LOCAL CD
    RED WING
    1.21%
    -
    $50,000
    60 Month
    Credit Union
    1.30x (National Avg. - 0.93%)
    $100,000
     
    SCENARIO
    Year Rate
    1.21%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 605 424
    2 50,605 612 429
    3 51,217 620 434
    4 51,837 627 439
    5 52,464 635 444
    6 53,099 642 450
    7 53,742 650 455
    8 54,392 658 461
    9 55,050 666 466
    10 55,716 674 472
    11 56,390 682 478
    12 57,073 691 483
    13 57,763 699 489
    14 58,462 707 495
    15 59,170 716 501
    16 59,885 725 507
    17 60,610 733 513
    18 61,343 742 520
    19 62,086 751 526
    20 62,837 760 532
    TOTAL $13,597 $9,518
  • 4
    LOCAL CD
    RELYON
    0.70%
    -
    $50,000
    18 Month
    Credit Union
    1.21x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240
  • 5
    LOCAL SAVINGS
    GRANCO
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    0.64x (National Avg. - 0.23%)
    $2,500
     
    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
  • 6
    LOCAL CD
    ONPOINT COMMUNITY
    2.45%
    -
    $50,000
    48 Month
    Credit Union
    2.98x (National Avg. - 0.82%)
    $1,000
     
    SCENARIO
    Year Rate
    2.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,225 858
    2 51,225 1,255 879
    3 52,480 1,286 900
    4 53,766 1,317 922
    5 55,083 1,350 945
    6 56,433 1,383 968
    7 57,815 1,416 992
    8 59,232 1,451 1,016
    9 60,683 1,487 1,041
    10 62,170 1,523 1,066
    11 63,693 1,560 1,092
    12 65,253 1,599 1,119
    13 66,852 1,638 1,147
    14 68,490 1,678 1,175
    15 70,168 1,719 1,203
    16 71,887 1,761 1,233
    17 73,648 1,804 1,263
    18 75,452 1,849 1,294
    19 77,301 1,894 1,326
    20 79,195 1,940 1,358
    TOTAL $31,135 $21,795

    All calculations are for demonstration purposes only.

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