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Comparison of Deposit Account from OUR COMMUNITY with 0.59% - October 2025


Long-Term Analysis of SIERRA CENTRAL with 0.95% APY and THREE RIVERS with 2.00% APY and WESTEDGE with 1.10% APY and OUR COMMUNITY with 0.59% APY and GECU with 4.27% 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 CD
    SIERRA CENTRAL
    0.95%
    -
    $50,000
    36 Month
    Credit Union
    1.26x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 475 333
    2 50,475 480 336
    3 50,955 484 339
    4 51,439 489 342
    5 51,927 493 345
    6 52,421 498 349
    7 52,919 503 352
    8 53,421 508 355
    9 53,929 512 359
    10 54,441 517 362
    11 54,958 522 365
    12 55,480 527 369
    13 56,007 532 372
    14 56,540 537 376
    15 57,077 542 380
    16 57,619 547 383
    17 58,166 553 387
    18 58,719 558 390
    19 59,277 563 394
    20 59,840 568 398
    TOTAL $10,408 $7,286
  • 2
    LOCAL CD
    THREE RIVERS
    2.00%
    -
    $50,000
    3 Month
    Credit Union
    0.89x (National Avg. - 2.24%)
    $500
     
    SCENARIO
    Year Rate
    2.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,000 700
    2 51,000 1,020 714
    3 52,020 1,040 728
    4 53,060 1,061 743
    5 54,122 1,082 758
    6 55,204 1,104 773
    7 56,308 1,126 788
    8 57,434 1,149 804
    9 58,583 1,172 820
    10 59,755 1,195 837
    11 60,950 1,219 853
    12 62,169 1,243 870
    13 63,412 1,268 888
    14 64,680 1,294 906
    15 65,974 1,319 924
    16 67,293 1,346 942
    17 68,639 1,373 961
    18 70,012 1,400 980
    19 71,412 1,428 1,000
    20 72,841 1,457 1,020
    TOTAL $24,297 $17,008
  • 3
    LOCAL CD
    WESTEDGE
    1.10%
    -
    $50,000
    24 Month
    Credit Union
    1.67x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    1.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 550 385
    2 50,550 556 389
    3 51,106 562 394
    4 51,668 568 398
    5 52,237 575 402
    6 52,811 581 407
    7 53,392 587 411
    8 53,979 594 416
    9 54,573 600 420
    10 55,173 607 425
    11 55,780 614 430
    12 56,394 620 434
    13 57,014 627 439
    14 57,641 634 444
    15 58,276 641 449
    16 58,917 648 454
    17 59,565 655 459
    18 60,220 662 464
    19 60,882 670 469
    20 61,552 677 474
    TOTAL $12,229 $8,560
  • 4
    LOCAL CD
    OUR COMMUNITY
    0.59%
    -
    $50,000
    12 Month
    Credit Union
    1.08x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.59%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 295 207
    2 50,295 297 208
    3 50,592 298 209
    4 50,890 300 210
    5 51,190 302 211
    6 51,493 304 213
    7 51,796 306 214
    8 52,102 307 215
    9 52,409 309 216
    10 52,719 311 218
    11 53,030 313 219
    12 53,342 315 220
    13 53,657 317 222
    14 53,974 318 223
    15 54,292 320 224
    16 54,613 322 226
    17 54,935 324 227
    18 55,259 326 228
    19 55,585 328 230
    20 55,913 330 231
    TOTAL $6,243 $4,370
  • 5
    LOCAL CD
    GECU
    4.27%
    -
    $50,000
    3 Month
    Credit Union
    1.90x (National Avg. - 2.24%)
    $2,500
     
    SCENARIO
    Year Rate
    4.27%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,135 1,495
    2 52,135 2,226 1,558
    3 54,361 2,321 1,625
    4 56,682 2,420 1,694
    5 59,103 2,524 1,767
    6 61,626 2,631 1,842
    7 64,258 2,744 1,921
    8 67,002 2,861 2,003
    9 69,863 2,983 2,088
    10 72,846 3,111 2,177
    11 75,956 3,243 2,270
    12 79,200 3,382 2,367
    13 82,581 3,526 2,468
    14 86,108 3,677 2,574
    15 89,784 3,834 2,684
    16 93,618 3,998 2,798
    17 97,616 4,168 2,918
    18 101,784 4,346 3,042
    19 106,130 4,532 3,172
    20 110,662 4,725 3,308
    TOTAL $65,387 $45,771

    All calculations are for demonstration purposes only.

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