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Comparison of Deposit Account from PALCO FCU with 0.80% - August 2025

Long-Term Analysis of MCCOY with 2.12% APY and GENISYS with 3.37% APY and PALCO FCU with 0.80% APY and ARMSTRONG ASSOCIATES with 0.55% 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

MCCOY

2.12%

$50,000

24 Month

Credit Union

3.21x (National Avg. - 0.66%)

$1,000

SCENARIO

Year	Rate 2.12%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,060	742
2	51,060	1,082	758
3	52,142	1,105	774
4	53,248	1,129	790
5	54,377	1,153	807
6	55,530	1,177	824
7	56,707	1,202	842
8	57,909	1,228	859
9	59,137	1,254	878
10	60,390	1,280	896
11	61,671	1,307	915
12	62,978	1,335	935
13	64,313	1,363	954
14	65,677	1,392	975
15	67,069	1,422	995
16	68,491	1,452	1,016
17	69,943	1,483	1,038
18	71,426	1,514	1,060
19	72,940	1,546	1,082
20	74,486	1,579	1,105
	TOTAL	$26,065	$18,246

LOCAL CD

GENISYS

3.37%

$50,000

12 Month

Credit Union

6.11x (National Avg. - 0.55%)

$500

SCENARIO

Year	Rate 3.37%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,685	1,180
2	51,685	1,742	1,219
3	53,427	1,800	1,260
4	55,227	1,861	1,303
5	57,088	1,924	1,347
6	59,012	1,989	1,392
7	61,001	2,056	1,439
8	63,057	2,125	1,488
9	65,182	2,197	1,538
10	67,378	2,271	1,589
11	69,649	2,347	1,643
12	71,996	2,426	1,698
13	74,422	2,508	1,756
14	76,931	2,593	1,815
15	79,523	2,680	1,876
16	82,203	2,770	1,939
17	84,973	2,864	2,005
18	87,837	2,960	2,072
19	90,797	3,060	2,142
20	93,857	3,163	2,214
	TOTAL	$47,020	$32,914

LOCAL CD

PALCO FCU

0.80%

$50,000

24 Month

Credit Union

1.21x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	400	280
2	50,400	403	282
3	50,803	406	284
4	51,210	410	287
5	51,619	413	289
6	52,032	416	291
7	52,449	420	294
8	52,868	423	296
9	53,291	426	298
10	53,717	430	301
11	54,147	433	303
12	54,580	437	306
13	55,017	440	308
14	55,457	444	311
15	55,901	447	313
16	56,348	451	316
17	56,799	454	318
18	57,253	458	321
19	57,711	462	323
20	58,173	465	326
	TOTAL	$8,638	$6,047

LOCAL SAVINGS

ARMSTRONG ASSOCIATES

0.55%

$50,000

N.A.

Credit Union

2.44x (National Avg. - 0.23%)

$2,500

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

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
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Bread Savings, a division of Bread Financial	4.45%	$1,500	Learn More
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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 PALCO FCU with 0.80% - August 2025

Long-Term Analysis of MCCOY with 2.12% APY and GENISYS with 3.37% APY and PALCO FCU with 0.80% APY and ARMSTRONG ASSOCIATES with 0.55% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from PALCO FCU with 0.80% - August 2025